Should You Buy XRP in 2025?

Why trust HelloSafe?

At HelloSafe, our expert has been closely monitoring the trends of the cryptocurrency XRP for over three years. Every month, hundreds of thousands of users across the UK trust us to analyse market trends and identify the best investment opportunities. Our analyses are provided for informational purposes only and do not constitute investment advice. In line with our ethical guidelines, HelloSafe has never purchased XRP nor received any compensation from entities related to its ecosystem.

XRP in brief

How much does 1 XRP cost?

The price of XRP is rising this week. As of now, XRP is trading at approximately £1.71, reflecting a 24-hour increase of around +2.7% and a 7-day gain of +3.3%. The market capitalisation stands at about £100.5 billion, with an average 3-month daily trading volume near £1.37 billion, putting XRP at rank 5 by market cap. There are currently 58.82 billion XRP in circulation, representing a market dominance of roughly 2.85%. Given XRP’s notable volatility and dynamic market position, prospective investors should stay alert to rapid movements and evolving opportunities.

Our complete opinion on the cryptocurrency XRP

Have the latest XRP trends — and its dynamic evolution over the past three years — signalled a fundamentally new cycle for this digital asset? We’ve harnessed advanced proprietary algorithms, aggregating on-chain metrics, technical signals, market data, and competitive benchmarking to deliver a comprehensive, forward-looking view. So, why might XRP once again become a strategic gateway in the cross-border payments and blockchain FinTech landscape in 2025?

Performance Review and Market Context

Recent Price Action

Since June 2022, XRP has undergone a period of pronounced volatility, culminating in a remarkable annual gain of more than +316% year-on-year as of June 2025, bringing the token to $2.18. While recent months saw a technical correction (down -16.33% over the past six months), the current consolidation between $2.15 and $2.17 suggests a stabilizing market phase after the resolution of a major regulatory overhang.

Positive Recent Events

Momentum was reignited after Ripple secured a $50 million settlement with the US SEC in May 2025, decisively closing a multi-year legal saga that had weighed on pricing and sentiment. Furthermore, the successful launch of RLUSD stablecoin in both Dubai and New York, a $300 million treasury deal with Webus International, and XRP futures listing on CME Group have all enhanced the asset’s legitimacy and deepened institutional traction.

Favourable Macro and Sector Backdrop

Across the broader digital asset class, the regulatory tide has turned more constructive, with major financial hubs recognising utility-based protocols. Market participants are increasingly looking for scalable, energy-efficient, and compliant cross-border payment solutions, all of which are central to XRP’s value proposition. Persistently high 24h trading volumes ($1.68B–$1.94B) and a robust market capitalisation near $128B underscore sustained liquidity and investor interest.

Technical Analysis

Key Indicators

At present, the RSI (relative strength index) rests at 39–40 — a historically oversold territory that frequently precedes accumulation and possible upward inflection. While the MACD remains in negative alignment (bearish histogram under the neutral line), this is broadly consistent with the near-term consolidation post-correction rather than a structural breakdown.

Support and Resistance Levels

Critical short-term support is established at $2.08 (a key Fibonacci 0.382 retrace), having been re-tested and held after recent downside pressure. On the upside, $2.28–$2.30 represents initial resistance; clearing this level, particularly if accompanied by elevated volume, could signal the transition to a new bullish phase, with secondary resistance at $2.50–$2.65.

Short-/Medium-Term Structure

The "Death Cross" observed on hourly timeframes portends caution; however, the subsequent range-bound trade and holding of key supports suggest exhaustion in selling pressure. There are mounting indications of stealth accumulation, with multiple on-chain signals (wallet creation, exchange flows) increasingly positive.

Fundamental Analysis

Expanding Adoption and Strategic Partnerships

• Over 80% of Japanese banks are expected to adopt XRP’s payment rails by year-end 2025, streamlining cross-border settlements.
• Enhanced collaboration with the UAE financial sector (Zand Bank) and the European Central Bank — especially toward digital euro development — are reinforcing credibility.
• XRP Ledger is spearheading real estate tokenisation in Dubai, broadening utility and diversifying demand drivers.

Attractive Relative Valuation

With a circulating supply of 58.82 billion tokens, XRP’s current market capitalisation ($128B) remains at a discount to long-term projections derived from anticipated CBDC, stablecoin, and DeFi integrations. The Fully Diluted Valuation (based on a 100B maximum supply) allows for additional expansion without immediate inflationary concern due to escrow mechanisms.

Unique Structural Advantages

• Transaction finality within 3–5 seconds at negligible cost ($0.0002).
• Energy efficiency and ecological sustainability outstrip most legacy chains and even some new entrants.
• Decentralisation and security are anchored by over 150 independent validating nodes globally, heightening resilience.

Volume, Liquidity, and Market Dominance

XRP maintains its stature among the top five cryptocurrencies by volume and capitalisation. The consistent $1.7–$1.9B+ in daily volumes not only denotes substantial liquidity, but also reflects strong institutional and retail presence — meaning market entry or exit has minimal slippage risk for large positions.

Positioning and Dominance

As a protocol, XRP is uniquely positioned at the intersection of global wholesale banking, CBDCs, and programmable payments — a competitive moat few assets can realistically replicate.

Catalysts and Positive Outlook

• ETF Approval Probability: Analysts forecast an 83–93% chance of a spot XRP ETF being approved in the next regulatory cycle, radically improving accessibility and mainstream appeal.
• ISO 20022 Compatibility & Banking Integration: As banks worldwide migrate to the ISO 20022 messaging standard, XRP’s ready compliance reinforces its role as a preferred bridge asset.
• CBDC and DeFi Expansion: Ongoing pilots and partnerships with central banks, coupled with rising DeFi/NFT activity on XRP Ledger, create strong multi-year tailwinds.
• Protocol Upgrades and Ecosystem Growth: Upcoming network upgrades are aimed at further reducing latency, bolstering throughput, and introducing new features for institutional usage.

Investment Strategies

Short-Term (0–6 months)

• For tactical investors, current technical consolidation above the $2.08 support provides an advantageous window to monitor directional signals. A confirmed break above $2.30 could attract trend-followers before ETF/CBDC resolutions.
• Swing traders may position on pullbacks towards $2.08–$2.15, aiming for a rebound into resistance levels, tightly managing risk given residual technical volatility.

Medium-Term (6–24 months)

The resolution of regulatory hurdles, institutional adoption growth, and mainnet upgrades are all set to unlock new demand waves. Investors with a 6–24 month horizon may view this as a structurally attractive entry point ahead of ETF launches and expanded banking integration.

Long-Term (2–5 years)

• As the rails for global payments transform, XRP's unique partnerships—in particular dominant market share in Asia and increasing traction in Europe and the Middle East—support a robust long-term growth trajectory.
• Allocation at these levels seems underpinned by fundamental value and the potential for re-rating as capital markets, DeFi, and CBDC-related flows scale over multiple cycles.

Ideal Positioning

Strategically, traders and investors may consider building positions during technical dips or prior to major protocol announcements, benefiting from asymmetric upside should regulatory or adoption catalysts trigger sharp repricing.

XRP Price Forecast

Is Now the Time to Consider XRP?

Bringing together the factors detailed above, XRP currently stands out as a digital asset where robust fundamentals and transformative catalysts are converging. The decisive end of the SEC litigation, ongoing banking and institutional integrations, and imminent ETF and CBDC developments all reinforce the thesis that XRP is entering a new phase of utility-driven adoption. Technical structures point to a potential inflection in momentum, while liquidity and market depth remain exceptional.

In summary, XRP seems to offer an excellent opportunity for investors seeking exposure to large-cap crypto assets benefiting from both macro trends and asset-specific innovation. The fundamentals justify renewed interest, and with the cross-border payments ecosystem rapidly evolving, XRP could well be on the cusp of a powerful upward cycle.

Important Information

XRP remains a high-volatility cryptocurrency that offers excellent opportunities for dynamic investment, requiring disciplined risk management. The recent acceleration in price demonstrates XRP’s capability to generate rapid, powerful moves — but evolving macro conditions mean selectivity remains key. For 2025, the essential technical levels to watch are $2.08 as immediate support and $2.30 as major resistance. The upcoming protocol upgrade, scheduled for H2 2025, could serve as a defining catalyst for XRP’s next phase.

How to buy XRP?

It’s easy and secure to purchase the cryptocurrency XRP online through a regulated platform. UK-based investors can choose between two main methods: classic spot buying—where you truly own the XRP tokens in a wallet—and trading XRP through Contracts for Difference (CFDs), which lets you speculate on price movements without actual ownership. Each method suits different profiles and objectives. Below, you’ll find a clear overview of both spot buying and CFD trading, helping you choose the approach that fits you. For a practical comparison of the main platforms available in the UK, check out the table further down the page.

Spot Buying (Direct Purchase) of XRP

When you buy XRP on the spot, you acquire the real coins, which are then stored in a digital wallet managed either by you or the exchange. This approach gives you direct ownership and full control over your crypto. On UK-regulated exchanges, spot purchases are usually subject to a flat commission, often around 0.5% to 1% per transaction, plus a small fixed fee in GBP.

Example

Example: Suppose the XRP price is £1.72 per coin (approximate rate based on current USD price). With a £1,000 investment, accounting for a £5 commission fee, you can purchase roughly 578 XRP (since £995/£1.72 ≈ 578).
✔️ Example gain scenario:
If the XRP price climbs 10%, your portfolio value rises to £1,100.
Result: +£100 gross profit—equivalent to a +10% gain on your initial investment.

Trading XRP via CFD

CFD trading allows you to speculate on the price movement of XRP without actually owning the asset. You “open a position” with your broker, and your returns mirror price changes. This method is popular for short-term traders seeking leverage. Typical fees with CFDs include a spread (the difference between buying and selling price), and an overnight financing fee if you keep positions open beyond a day.

Example

Example: Let’s say you invest £1,000 with 5:1 leverage on a CFD for XRP. This gives you market exposure worth £5,000.
✔️ Example gain scenario:
If XRP rises by 8%, your position increases by 8% × 5 = 40%.
Result: +£400 gain on your £1,000 deposit (before considering fees).

Important Note Before Investing

Before you invest in XRP, always compare platforms for fees, security, and regulatory status. Charges, available features, and leverage options can vary significantly. The right method for you—spot buying or CFD trading—depends on your experience level and investment goals. For a detailed comparison of leading UK platforms, see our comparison tool lower down this page.

Our 7 tips for buying XRP

The latest news about XRP

XRP has consolidated above $2.15 this week with weekly gains of +3.3% and high trade volumes. This improvement comes despite earlier bearish technical signals, including a death cross on the hourly chart and RSI remaining in the low 40s. Adding to the positive momentum, the cryptocurrency’s daily trading volume has ranged between $1.68 billion and $1.94 billion, speaking to robust liquidity and continued market engagement from professional and institutional players, including UK-based entities using global exchanges such as Binance, Coinbase, and Kraken.

A significant catalyst for renewed investor confidence is the May 2025 settlement of Ripple’s four-year dispute with the SEC for $50 million, fully ending regulatory uncertainty in the US. This precedent-setting outcome is crucial for UK investors and institutions seeking clarity over XRP’s legal standing, as it de-risks institutional exposure and paves the way for local compliance frameworks and cross-border adoption involving UK financial firms, especially post-Brexit as the UK aligns its crypto policies.

Ripple’s XRP is increasingly positioned for future growth with analysts projecting an 83–93% chance of an ETF approval and deepening partnerships with banks and institutions. Recent launches, like the CME Group’s XRP futures, expand institutional access in the UK and Europe, making XRP a more investible and hedgable asset within regulated financial environments. The ongoing development of cross-border payment solutions—leveraging XRP’s speed, low cost ($0.0002 avg. per transaction), and ISO 20022 compatibility—is expected to accelerate adoption among UK banks and payment service providers, especially given London’s ambition to remain a global FinTech hub.

The recently announced $300 million XRP treasury partnership with Webus International and the launch of the RLUSD stablecoin in New York and Dubai highlight momentum for corporate and financial industry integration. These developments not only enhance XRP’s utility in treasury operations and international settlements for multinational corporations—including those with UK subsidiaries—but also underpin real-economy use cases that can resonate in the UK’s open financial market.

Market sentiment towards XRP in the UK has shifted to moderate optimism, with a focus on constructive regulatory developments and real-world integration. This is amplified by ongoing projects, such as collaboration with the European Central Bank on a potential digital euro and the deepening of institutional relationships across the EMEA region. The combination of legal clarity, expanding ecosystem partnerships, and strengthened market infrastructure is increasingly attractive to UK-based analysts and investors seeking exposure to a maturing digital asset with global relevance.

FAQ

P. Laurore

Finance expert

Co-founder of HelloSafe and holder of a Master's degree in finance, Pauline has recognised expertise in personal finance, which she uses to help users better understand and optimise their financial choices. At HelloSafe, Pauline plays a key role in designing clear, educational content on savings, investments and personal finance. Passionate about financial education, Pauline strives, with every piece of content she oversees, to provide reliable, transparent and unbiased information for independent and informed financial management. To this end, she has tested over 100 trading platforms to help internet users make the right choices.