Should You Buy XRP in 2025?

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

XRP in brief

How much does 1 XRP cost?

The price of XRP is in consolidation this week. As of today, XRP trades at approximately 3.08 CAD, with a 24-hour change of -0.48% and a weekly trend fluctuating around 3.00 CAD. Its market capitalization stands at about 181.2 billion CAD, ranking #4 by size, while the average 3-month trading volume is near 3.03 billion CAD. Circulating supply is 58.76 billion XRP, representing about 2.8% dominance of the overall crypto market. Like many digital assets, XRP’s volatility offers both risks and potential for investors seeking dynamic market opportunities.

Our complete review of the cryptocurrency XRP

Have recent regulatory breakthroughs, ecosystem advances, and price dynamics set the stage for XRP’s resurgence? After analyzing XRP’s trends over the past three years—integrating proprietary models across on-chain data, technical signals, market flows, and competitive mapping—we reveal how today’s unique convergence of factors is reframing risk and reward around this digital asset. So why might XRP, in 2025, be regaining strategic appeal as a gateway to institutional-grade crypto and blockchain payments?

Recent Performance and Market Context

Price Evolution and Recent Performance

XRP has delivered an impressive multi-month rally, advancing from $0.50 six months ago to its current level at $2.25 (June 2025). This surge has been underpinned by powerful upward catalysts, including a significant reduction in regulatory uncertainty after key court decisions in the U.S., propelling both price and sentiment across institutional and retail circles. While short-term consolidation has emerged (the past week oscillating around $2.19, closing mildly negative with a 24-hour loss of -0.48%), the broader trajectory remains robust following year-on-year gains and the restoration of positive capital flows.

Positive Events and Key Catalysts

• On May 8, 2025, the SEC slashed its fine against Ripple Labs from $125 million to $50 million.
• Although a final settlement is still pending, the negotiations have effectively removed the existential “overhang” stifling XRP’s market participation since 2020.
• Ripple’s expanding presence in high-growth regions (notably the UAE via Zand Bank and Mamo integrations) and the deepening of Central Bank Digital Currency (CBDC) partnerships (including with Bhutan, Palau, Colombia, and Hong Kong) anchor XRP’s strategic relevance.

Macro and Sector Tailwinds

The global mood for crypto is shifting favorably, as inflation volatility and persistent cross-border payment friction escalate demand for stable, low-fee digital infrastructure. Central banks and Tier-1 institutions are now actively seeking blockchain-based solutions for cost optimization, which is accelerating the addressable market for technologies like the XRP Ledger (XRPL).

Technical Analysis

Key Indicators and Signals

• RSI (14-day): At 45.5, XRP is resting just below the neutral line, suggesting it is neither overbought nor oversold, and could be primed for directional momentum.
• MACD: Currently exhibits a slight bearish divergence, but with negative momentum decelerating—a scenario often preceding a reversal in uptrends.
• Stochastic RSI: Deeply oversold at 3.3, flashing an early bounce signal.

Support, Resistance, and Structure

• Strong supports: $2.20 (primary), $2.00 and $1.92 (secondary zones), plus the critical structural base at $1.76 seen as the six-month floor.
• Immediate resistance: $2.50; above, $2.65; and a decisive psychological barrier at $3.00.
• Moving averages: 57% of signals confirm bullish bias, reinforcing the technical merit of the ongoing consolidation as a base-building phase.

Momentum and Short to Mid-Term Outlook

Recent price action illustrates a textbook “bullish flag” structure—a classic consolidation that, if resolved upward, could unleash renewed buying pressure. Elevated trading volumes ($2.2 billion daily) mirror heightened market participation and provide substantial liquidity both for institutional block trades and active traders.

Fundamental Analysis

Growing Adoption and Strategic Partnerships

• CBDC platform: Ripple leads with active pilot programs and full-scale digital currency collaborations, securing a first-mover position as global CBDC initiatives transition from concept to reality.
• Cross-border payments: Institutional adoption is soaring: transaction settlement times of 3-5 seconds eclipse legacy rails and optimize corporate treasury management.
• Ecosystem growth: Recent months have seen intensified DeFi activity and developer onboarding on the XRPL, widening XRP’s digital asset footprint and utility base.

Attractive Valuation Metrics

With a $131.96 billion market cap, XRP holds rank #4 globally. Yet, its price-to-network value metrics suggest clear upside versus Layer 1 peers given accelerating enterprise adoption, persistent token burns (deflationary mechanism), and negligible transaction fees.

Technology and Community Strength

• Scalability: 1,500 TPS outpaces many top-10 blockchains, ensuring system reliability as network demand scales.
• Efficiency: No mining—XRP’s supply is pre-minted with deflationary burn on transaction fees, positioning it as an ESG-friendly asset.
• Enterprise integration: An increasingly active developer and business community with ongoing protocol upgrades.
• Market leadership: Ripple maintains significant relationships with banking partners worldwide, strengthening XRP’s moat as regulatory clarity distinguishes it from security-classified tokens.

Trading Volume, Liquidity, and Market Position

• Daily trading volumes consistently above $2 billion reflect both depth and confidence across spot and derivatives markets.
• High liquidity assures price stability, narrows spreads, and enables large-scale transactions—a magnet for institutional and treasury buyers.
• XRP’s sustained position in the top-5 by market capitalization signals deep-rooted market conviction and broad investor participation.

Catalysts and Positive Outlook

• Protocol updates: Ongoing upgrades to the XRPL and integration of new DeFi modules fortify utility and network resilience.
• Major integrations: Partnerships with Zand Bank, Mamo, and multiple central banks deepen XRP’s global utility.
• Institutional adoption: The US court ruling, combined with Asia and Middle East regulatory progress, make XRP one of the few major assets with favorable clarity.
• Expanding use cases: CBDCs, DeFi, NFTs, and remittance corridors continue to broaden XRP’s footprint.

Investment Strategies by Time Horizon

Short-term (weeks–months)

With deep support at $2.20 and oversold momentum readings, tactical traders might see attractive entry scenarios on technical pullbacks—especially ahead of major announcements, such as settlement finalization.

Medium-term (6–18 months)

• Breaking through $2.65–$3.00 opens the door to $4.50 (recent analyst consensus), especially if macro conditions (inflation, geopolitical demand for stable cross-border rails) remain favorable.
• Pending completion of the SEC settlement stands as a crucial macro/sector event that could energize upside moves.

Long-term (18 months+)

• As Ripple’s CBDC infrastructure matures and additional central bank deals come online, XRP’s share of enterprise and institutional settlement could inflect higher.
• Deepening DeFi and broader ecosystem integration position XRP as a foundation technology for global payments and digital asset innovation.
• Historically, assets resolving multi-year regulatory clouds have witnessed valuation reratings as investor profiles and participation broaden.

Key consideration: Dynamic risk management remains critical given crypto’s inherent volatility, but the setup increasingly appears favorable as the foundation for a new cycle strengthens.

XRP Price Forecast Table

Is Now the Right Time to Consider Buying XRP?

XRP’s recent trajectory appears to signal not only resilience, but renewed upside as regulatory clarity, surging real-world adoption, and technical base-building converge. The asset’s compelling value proposition—blending scalable enterprise infrastructure, minimal fees, robust liquidity, and a unique position at the intersection of global CBDCs and cross-border payments—justifies revived interest from both institutional and private investors. Momentum from DeFi integration and continued enhancements to the XRP Ledger underpin future growth, while deep supports and improved market sentiment suggest a favorable balance of risk and reward.

Looking ahead, XRP could well be entering a new, transformative chapter, with strong arguments to consider exposure as part of a forward-thinking portfolio. The confluence of regulatory milestones, accelerating institutional partnerships, and ongoing ecosystem innovation point toward a bullish re-rating cycle underway. For those seeking exposure to one of the most battle-tested and institutionally recognized digital assets—XRP now stands out as an opportunity deserving close attention.

XRP remains a highly volatile asset class, offering both dynamic investment potential and a requirement for disciplined risk management. The propensity for explosive price action—especially following regulatory or ecosystem catalysts—demonstrates the value of tactical entries at key technical levels and a focus on upcoming protocol updates or settlement milestones. With support zones at $2.20 and immediate upside potential toward $3.00 and above, the coming quarters could prove decisive for XRP’s evolution within the institutional-grade crypto landscape.

How to buy XRP?

It’s easy and secure to buy XRP (Ripple) online through a regulated crypto platform. Canadian investors generally have two main methods: buying XRP directly (spot purchase) and trading XRP via Contracts for Difference (CFDs). Spot buying means you own the actual asset in your wallet, while CFDs let you speculate on price movements without holding the coins. Each approach offers distinct advantages, depending on your profile and goals. For a detailed comparison of trusted Canadian platforms and their fees, see our impartial comparison lower on the page.

Spot Purchase (Buying XRP Directly)

Spot purchasing XRP means you buy real XRP tokens that are held in your wallet—either on the exchange or a personal wallet. This is the most popular method for long-term investors and is straightforward: you pay with CAD and receive actual coins. Typical fees include a fixed commission per transaction, often around 0.1-0.5%, plus a possible spread between buy and sell price.

Example

Example: Suppose XRP is trading at $2.25 CAD per coin, and you invest $1,000 CAD. You could buy about 444 XRP coins ($1,000 ÷ $2.25), minus approximately $5 CAD in transaction fees.
✔️ Profit scenario: If XRP rises 10%, your holding would now be worth $1,100 CAD. That’s a $100 gain, or +10% on your initial investment.

Trading XRP via CFDs

CFDs (Contracts for Difference) allow you to speculate on XRP’s price—up or down—without actually owning the coins. Instead, you enter a contract mirroring the price movement. This is popular among traders wanting leverage and short-term exposure. Fees generally include a spread (the difference between buy and sell prices) and overnight financing costs if you keep the position open after market close.

Example

Example: With $1,000 CAD and 5× leverage, you control a $5,000 CAD position in XRP.
If XRP’s price increases by 8%, your profit would be 8% × 5 = 40%, or $400 CAD (excluding fees).
✔️ Profit scenario: On your $1,000 investment, a correctly timed move could yield a $400 gain—or a similar-sized loss if the price drops.

Final Guidance

Always compare platforms for their fees, trading features, and security measures before you invest—costs can vary widely. Ultimately, your choice between holding real XRP and trading CFDs should match your financial goals and investing experience. For an up-to-date side-by-side comparison of Canada’s leading brokers and exchanges, check our expert table below.

Our 7 tips for buying XRP

The latest news about XRP

XRP maintains strong technical and fundamental support amidst a period of price consolidation near $2.19.

During the past week, XRP's performance has reflected mixed signals, with the price consolidating slightly above $2.19 even as its 6-month trajectory shows extraordinary growth from approximately $0.50. Most technical indicators remain neutral to cautiously bullish: the RSI is balanced at 45.5, moving averages favour a positive outlook by a margin of 57.14%, and the oversold Stochastic RSI (3.3) points to a possible bounce. These indicators suggest resilience in XRP's local and global pricing, providing confidence for Canadian participants seeking less volatile entry points, while underlying fundamentals have not deteriorated.

The SEC settlement process has delivered ongoing regulatory clarity, reducing legal uncertainty and supporting investor confidence in North America.

As of early June 2025, the pivotal legal overhang involving Ripple and the US SEC continues its resolution, with the fine proposal lowered dramatically from $125 million to $50 million, and expectations remain high for a concluding agreement. Although a procedural delay occurred mid-May, recent court and regulatory communications affirm that final clarity is imminent. For Canadian institutional and retail investors, this reduced legal risk aligns North American regulatory approaches and enhances comfort with compliance and long-term holding strategies.

Ripple’s expanding network for cross-border payments and institutional adoption resonates positively with the Canadian financial sector's focus on efficient international transfers.

Ripple’s acceleration in global payment partnerships, particularly its recent Middle East expansion, underpins increased institutional confidence in blockchain-based remittance and settlement solutions. The platform's audited, energy-efficient infrastructure now supports rapid, low-cost transaction settlements—compelling attributes for Canadian banks and fintechs aiming to optimize foreign exchange flows or interbank settlements, especially given the nation’s large immigrant and cross-border banking customer base.

Strategic engagement with central banks and new CBDC partnerships present medium- to long-term opportunities for the Canadian and global XRP ecosystem.

Ripple’s recent agreements with several central banks—spanning Asia, Europe, and the Americas—showcase its readiness as an institutional backend for government-sponsored digital currencies. Although the Bank of Canada has not officially partnered with Ripple, this ecosystem expansion signals a rapidly maturing infrastructure that may influence future digital currency or cross-border settlement initiatives in Canada, potentially paving the way for integration or competitive innovation.

Analyst consensus turns cautiously optimistic, identifying upside potential supported by regulatory progress and robust corporate positioning.

Short-term price projections place XRP comfortably within a $2.15–$2.48 USD window, but bullish analyst forecasts indicate a medium-term surge above $4.50 if technical resistance near $2.65 and $3.00 is breached. The sense of regulatory resolution and Ripple’s proven leadership in payments technology continue to reinforce institutional investor trust, underlining Canada’s openness to regulated digital assets and its positioning to benefit from continuing XRP adoption and market maturation.

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.