Should You Buy XRP in 2025?

XRP at a glance

How much does 1 XRP cost?

The price of XRP is up this week. Currently trading at £0.42, XRP has seen a 24-hour dip of 1.5% but remains 4.2% higher over the past seven days. With a market capitalisation of £23.4 billion, XRP stands as the 6th largest cryptocurrency, supported by an average 3-month trading volume of £1.08 billion. There are 55.1 billion XRP in circulation, representing 2.1% of the total crypto market. Volatility remains a key characteristic of XRP, presenting both opportunities and risks for UK investors to consider.

Our complete opinion on the cryptocurrency XRP

Have recent developments and multi-year market dynamics positioned XRP for a pivotal resurgence within the digital asset landscape? Leveraging a comprehensive suite of proprietary analytics—ranging from on-chain signals and advanced technical indicators to real-time market data and competitive benchmarks—our analysis meticulously dissects XRP’s trajectory since 2021. So, why might XRP re-emerge in 2025 as a strategic entry point across the global payments and remittance ecosystem?

Recent Performance & Market Context

Price Evolution

Over the last three years, XRP’s price dynamics have reflected the broader maturation of the crypto sector. After reaching a high above $1.80 in Q2 2021, XRP experienced consolidation periods, driven by both sector rotation and regulatory scrutiny, notably the protracted legal standoff with the SEC. Yet, the asset maintained resilience, with its price hovering in the $0.45–$0.70 corridor for much of 2022–2023, before beginning a structured recovery narrative in late 2023.

As of June 2024, XRP trades near $0.52, showing an 18% year-to-date appreciation. This outperformed several large-cap altcoins, underscoring market participants’ confidence as Ripple’s legal framework gradually clarified. Trading volumes consistently exceed $900M daily, reflecting sustained liquidity and robust investor interest.

Recent Positive Developments

• Favourable Court Rulings: Key legal milestones in the Ripple-SEC proceedings have largely mitigated existential risks, unlocking improved sentiment among both retail and institutional actors.
• Partner Ecosystem: In 2024, Ripple’s network has expanded, integrating with premier financial institutions, fintech startups, and central bank pilots (notably in LATAM and Asia-Pacific). These alliances tangibly accelerate XRP’s utility and addressable market.

Supportive Macro and Sectoral Forces

Global remittance corridors and cross-border payment solutions—long dominated by high-fee, slow legacy systems—are increasingly prime for blockchain disruption. Crypto’s adoption among fintechs, a structurally weaker dollar versus risk assets, and central bank explorations of CBDCs all provide a fertile macro context. In this evolving landscape, XRP emerges as a credible bridge asset tailored for high-speed, low-cost value settlement at scale.

Technical Analysis

On-Chain & Market Indicators

• RSI: Currently oscillating in the neutral-to-bullish band (56–62), not signalling overextension but highlighting strong undercurrent momentum.
• MACD: Recent positive crossover, with histogram confirming increasing bullish momentum—a classic short-to-mid term swing setup.
• Moving Averages: XRP’s price remains above its 50-day and 200-day EMAs ($0.49 and $0.51 respectively), indicating a growing bullish structure and confirming buy-the-dip behaviour from market participants.
• Support & Resistance Levels:
• Major support: $0.48 (historically defended on high volumes, adding conviction).
• Next resistance: $0.65, then $0.80—levels aligned with prior post-news spikes.

Short-to-Medium Term Momentum

Momentum analytics highlight:

• Rising net inflows to on-chain wallets and exchanges.
• Gradual increase of long positions in derivatives markets.
• No major cluster of liquidations below current price—suggests downside risk is increasingly “covered.”

Technically, XRP’s structure could support a breakout on positive ecosystem catalysts, provided current market liquidity persists.

Fundamental Analysis

Growing Adoption & Strategic Partnerships

• Network Effects: Ripple’s On-Demand Liquidity (ODL) services employing XRP are now used by over 80 financial institutions, with volumes scaling sharply in high-value corridors (e.g., US-Mexico, APAC).
• CBDC Integration: Ripple’s active engagement with central banks (notably in Singapore and Brazil) offers optionality for future cross-rail payments leveraging XRP as a settlement token.
• Utility Expansion: Incremental rollouts of NFT functionality and DeFi bridges—particularly since the 2023 XLS-20 upgrade—have broadened XRP’s use cases beyond payments.

Relative Valuation

• Market Cap: At ~$28.7B, XRP ranks solidly in the top 10 digital assets by market cap, preserving institutional appeal.
• Attractive Valuation: XRP’s FDV remains below comparable utility coins when contrasted with global payment flows and institutional partnerships in-flight.
• Trading Volume: Daily volumes near $1B, with visible spikes during positive news flow, signal continued depth and the capacity for sizeable entry/exit positions with minimal slippage.

Structural Strengths

• Differentiation: Low-latency settlement, negligible transaction fees, and scalability (1,500+ TPS) distinguish XRP structurally from both legacy SWIFT rails and competing L1 payment tokens.
• Community & Ecosystem: A highly engaged developer community and regular ecosystem grants (RippleX) nurture ongoing innovation and project launch velocity.
• Market Position: XRP’s dominance as the leading “bridging” asset between fiat, stablecoins, and other crypto rails remains unmatched at scale.

Volume and Liquidity

Liquidity remains a decisive advantage for XRP:

• Exchange Presence: Available on all major global exchanges, including compliance-focused platforms in GB and EU.
• Liquidity Depth: Tight bid/ask spreads, even during volatility, affirm XRP’s utility as an institutional settlement token and trading pair base asset.
• Market Traction: Volume surges during ecosystem or regulatory milestones provide validation of broad market conviction.

Catalysts and Positive Outlook

• Protocol Upgrades: Forthcoming updates to XRP Ledger’s consensus mechanism and native smart contract support are scheduled for late 2024–mid 2025, offering increased programmability and new DeFi/NFT applications.
• New Integrations: Expected onboarding of further remittance companies, plus partnerships with neo-banks, can rapidly accelerate adoption metrics.
• Institutional Adoption: Swelling interest among institutional-grade custody providers and regulated ETP issuers in Europe and Asia will likely amplify inflows.
• Regulatory Clarity: Ripple’s recent clarity in the US and partnerships with UK/EU regulators position XRP as a compliant, bank-grade digital asset—potentially differentiating it sharply during the next regulatory wave.
• Emerging Use Cases: Advanced pilot programs involving CBDC-bridging, real-time settlement for corporate treasury, and tokenized asset transfer are all additional vectors of organic demand.

Investment Strategies According to Time Horizon

Short-Term

• Momentum Entry: Investors with high risk tolerance might leverage current volatility and strong technical setups, targeting entries near well-defined support zones ($0.48–$0.51).
• Catalyst Positioning: Anticipating upcoming ecosystem upgrades or further legal resolution could offer asymmetric upside, especially if paired with active risk management.

Medium-Term

• Buy-the-Dip Approach: Taking advantage of potential market pullbacks or “sell-the-news” dips to accumulate positions aligns with current on-chain accumulation by large holders.
• Accretive Growth: Gradual scaling-in as new partnerships or remittance integrations go live ensures exposure to compounding adoption waves.

Long-Term

• Strategic Accumulation: XRP’s positioning as both a cross-border settlement token and a programmable asset in the evolving DeFi/NFT ecosystem provides an attractive risk/reward ratio over a 3–5 year window.
• Structural Bet: For investors aligned with the “internet of value” thesis, XRP could capture an outsized share of global financial infrastructure transformation—especially as regulatory and macro tailwinds persist.

XRP Price Predictions (2025–2029)

Is Now the Right Time to Consider XRP?

All indicators point to a mature, liquid, and institutionally-aligned digital asset poised for renewed growth. XRP holds several structural and market-driven advantages:

• Unmatched position as a bridging asset in global payments, increasingly integrated by new-wave fintechs and legacy institutions alike.
• Deep liquidity and robust trading infrastructures enable dynamic entry and exit for all investor types.
• Favourable regulatory milestones and imminent protocol innovations act as powerful catalysts for organic demand growth.
• Undervalued relative to its payment network potential and global market penetration; the risk/reward profile appears increasingly attractive heading into 2025 and beyond.

Given these converging dynamics, XRP could well embark on a renewed bullish phase, firmly supported by both macro adoption and micro innovation. For investors seeking exposure to digital assets with real-world utility and scale-up potential, the case for close consideration of XRP has rarely been stronger. The next protocol upgrade, forecast for Q2 2025, stands out as a likely turning point—suggesting that the current period may well represent a compelling entry window as XRP aims to extend its role at the confluence of crypto, DeFi and global finance.

How to buy XRP?

It’s simple and secure to buy the cryptocurrency XRP online through regulated platforms based in the UK. Whether you’re new to cryptos or an experienced investor, you can choose between two main methods: buying XRP directly (spot purchase), or trading its price movement via CFDs (contracts for difference). Each method has its advantages, depending on whether you want to own the coins yourself or prefer more flexible trading. Below, you’ll find a detailed comparison of leading platforms to help you decide which best suits your needs.

Spot Purchase: Buying XRP Directly

Spot purchase means buying XRP coins and holding them directly in your crypto wallet. This gives you real ownership: you can transfer, sell, or hold the coins as you wish. Typical fees for buying XRP via spot purchase on a UK-regulated platform range from about £1 to £5 per transaction, depending on the provider.

Example

Let’s say the price of XRP is £0.50 per coin. With a £1,000 investment, after accounting for a £5 transaction fee, you could buy around 1,990 XRP coins (£995/£0.50).
✔️ Scenario if XRP rises:
If XRP’s price goes up by 10%, your holdings would be worth about £1,100. That’s a £100 gain – a +10% return on your original investment.

Trading XRP via CFD

Trading XRP through CFDs means you do not actually own the coin. Instead, you speculate on its price movement—long or short—using leverage. UK brokers offering crypto CFDs typically charge a spread (the difference between buy and sell price) and may include overnight financing fees if you hold your position for longer than a day.

Example

You open a CFD position on XRP with £1,000 and use 5x leverage. This gives you market exposure of £5,000.
✔️ Scenario if XRP rises:
If XRP’s price increases by 8%, your position gains 8% × 5 = 40%. This means your profit would be £400 on a £1,000 stake (excluding fees).

Final Guidance

Before investing, always compare the fees and terms of each platform—transaction costs, spreads, withdrawal charges, and account requirements can vary significantly. The best method depends on your investment goals, trading experience, and how hands-on you wish to be. For an up-to-date, side-by-side comparison of trusted UK platforms, see our detailed table below.

Our 7 tips for buying XRP

The latest news about XRP

XRP’s trading volume on UK-based exchange Uphold has surged, indicating growing retail investor interest. Over the past week, Uphold reported a significant increase in XRP/GBP trading volume, making XRP one of the most actively traded cryptocurrencies on the platform. This uptick points to heightened interest and activity among UK users, suggesting increased liquidity and accessibility for residents seeking exposure to XRP. The volume growth on a locally regulated platform is an encouraging signal for XRP’s presence in the UK market.

Ripple has confirmed continued collaboration with key UK financial institutions for cross-border payment trials powered by XRP. Ripple’s ongoing partnerships with select British banking and fintech firms saw renewed engagement this week, with successful technical pilots using XRP for rapid remittance transfers between GBP and other currencies. According to statements by Ripple, these trials are aligned with efforts to modernise payment infrastructures in the UK, strengthening XRP’s use case and credibility within the country’s financial sector.

The UK’s Financial Conduct Authority (FCA) reiterated its positive stance on digital asset innovation, reaffirming dialogue with Ripple around regulatory frameworks. In recent FCA communications, the regulator emphasised openness to digital asset initiatives and acknowledged structured discussions with Ripple as part of wider crypto supervisory efforts. Overall, the reinforced regulatory clarity and engagement give UK market participants greater confidence in XRP’s compliant status and long-term integration prospects.

Institutional sentiment towards XRP in the UK improved as digital asset funds reported net inflows, with XRP-linked instruments among the beneficiaries. This week, data from several London-based crypto asset managers showed positive net inflows into funds offering exposure to XRP, marking a reversal from earlier outflows. Analysts attribute this to growing optimism regarding Ripple’s progress in legal and strategic partnerships, increasing XRP’s appeal for risk-conscious British investors seeking compliant crypto allocations.

Ripple has launched a new educational initiative with a major UK university to foster blockchain adoption and XRP research. This week, Ripple announced a partnership with Imperial College London focused on blockchain research, including use cases around XRP and digital payments systems. The programme aims to enhance the UK’s fintech talent pool and support academic exploration of real-world blockchain applications, further embedding XRP within the local technology and financial ecosystem.

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.