Should You Buy XRP in 2025?

Why Trust HelloSafe?

At HelloSafe, our expert has been monitoring the evolution of the XRP cryptocurrency for over three years. Every month, hundreds of thousands of users in India trust us to analyze 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 associated with its ecosystem.

XRP in brief

How much does 1 XRP cost?

The price of XRP is on the rise this week. Currently, XRP is trading at around ₹181.40, with a 24-hour increase of +2.2% and a weekly gain of +2.0%. The market capitalization stands at approximately ₹10.66 lakh crore, with an average 3-month trading volume close to ₹13,500 crore and XRP ranked 5th by market cap globally. Circulating supply is about 58.82 billion XRP, representing roughly 2.9% market dominance in the crypto space. Crypto prices in India can shift rapidly, so investors should keep a close eye on market movements and seize timely opportunities.

Our full review of the cryptocurrency XRP

Have we truly witnessed the full potential of XRP, or is a new upward cycle about to begin for this emblematic crypto asset? Over the past three years, XRP has undergone structural upheavals, notable rallies, and experienced market corrections — all meticulously tracked and decrypted through our proprietary algo-driven models leveraging on-chain intelligence, technical signals, liquidity data, and a multidimensional sector scan. So, why might XRP in 2025 present itself once again as a strategic entry point within the blockchain payments and cross-border transaction ecosystem?

Recent Performance and Market Context

Price Evolution and Recent Highs

XRP’s trajectory since 2022 has been anything but linear. Marked by a prolonged phase of underperformance and legal overhangs, its trend reversed abruptly in late 2024 as macro and regulatory catalysts converged. The price now sits at $2.18 USD (7 June 2025), having posted an explosive +318% YoY swing, highlighting a powerful rebound from its multi-year consolidation range.

• Six-month retreat: XRP did experience a cooling phase (-16.24%), generally interpreted as a healthy correction post-breakout.
• Volume: Daily trading volumes remain robust ($1.60–$1.87B), a level of participation indicating mature and liquid two-way flows.
• All-time high reached in Jan 2025 at $3.40 — underscoring the asset’s ability to reclaim former peaks following resolution of major risks.

Favourable Macro and Regulatory Shifts

• SEC litigation settled: The $50M settlement, removing a critical legal cloud, marked a pivotal inflection for institutional adoption.
• Judicial clarity: XRP officially not a security in the eyes of US regulators—unlocking access to US-based funds, futures, and (prospectively) spot ETFs.
• Stablecoin launch (RLUSD): Providing a Ripple-branded on/off ramp, RLUSD creates an additional vector for ecosystem utility.

Competitive and Sector Dynamics

Wider regulatory clearance for digital assets and the continued expansion of cross-border payment infrastructure (CBDCs, SWIFT/ISO 20022 compatibility, Japanese banking integrations) form a uniquely propitious backdrop for XRP’s thesis as a large-cap utility token in a swelling global market.

Technical Analysis

Technical Indicators & Market Structure

• Key Supports: $2.08–$2.14 serves as a pivotal base; failure to break down from these levels over 190 days suggests persistent accumulation by strong hands.
• Major Resistance: $2.28–$2.30 has proven sticky. A confirmed weekly close above this zone could unleash significant technical momentum.
• EMA50/EMA99 cross: The EMA50 acts as a trend-defining anchor while $2.26 (EMA99) restricts advances for now — a break here would reinforce the bull scenario.
• RSI (14d): 39–49, neutral to slightly bearish, but approaching oversold zones. Historically, such configurations have often prefaced upside reversals in strong trending markets.
• MACD: While currently flashing a bearish divergence, the stochastic RSI’s oversold status (below 20) amplifies the probability of an imminent bullish crossover.
• Pattern Watch: An emerging “inverse head-and-shoulders” structure, when confirmed, could mark the start of a new impulsive rally with measured objectives well beyond current levels.
• Bollinger Bands: Tightening volatility envelope—a classic precursor to trend expansion.

Volume and Liquidity

A brief dip in volume (down ~48% over 24h) underscores a state of market equilibrium amid a clean-out of weak hands. Such periods of contraction are typically followed by volatility expansions and renewed directional thrust.

Fundamental Analysis

Adoption, Ecosystem Growth, and Strategic Partnerships

• CBDC vertical: XRP, via RippleNet, is now at the heart of at least 10 government-level digital currency pilot programs — securing leadership in the most consequential trend in fintech and state money.
• Bank integrations: 80% of Japanese banks to participate by end-2025, with similar interest across EMEA and APAC.
• Enterprise traction: VivoPower and Webus International, global corporates, have deployed direct XRP treasuries totalling $400M+ — testament to institutional confidence and utility appeal.
• CME listings: XRP futures debut on Chicago Mercantile Exchange—granting price discovery and onboarding blue-chip trading firms.
• ETF outlook: 83–93% market-implied probability for approval of a US spot ETF—potential to draw in significant AUM from passive and institutional allocators.

Relative Valuation Metrics

• Market cap: $128.18B, positioning XRP as a top-tier L1 protocol by size.
• FDV ratio (market cap/fully diluted): 0.59 — an unusually conservative figure, suggesting upside if supply unlocks are staged responsibly.
• Token distribution: Ripple Labs retains ~80B out of 100B supply, yet ongoing escrow and transparent unlocking provide clarity and alignment.

Competitive Moats

• Transaction speed & efficiency: 3–5 seconds, $0.0002/tx, 1,500 tps—vastly outperforming legacy rails and even most L1 “Ethereum killers.”
• Energy-efficient consensus: Carbon neutral, highly scalable.
• Decentralization: 150+ validators operated across universities, exchanges, and financial sector actors.

Volume, Liquidity, and Dominance

• High exchange turnover, persistent deep books even on smaller venues, and increasing derivatives interest signal lasting market confidence.
• The combination of healthy spot, futures, and growing options markets embed robust price discovery and two-way institutional access.

Catalysts and Positive Outlook

Major Near-Term and Medium-Term Triggers

• Spot ETF approval (expected in the coming 12 months) could bring a step change in flows, visibility, and regulatory standing — mirroring what spot BTC ETFs have triggered for Bitcoin.
• CBDC mainstreaming: As central banks advance pilots to live deployments, Ripple/XRP’s architecture acts as a key infrastructure layer.
• Protocol innovation: The rollout of XRPL v2.5.0 and integrated DeFi/NFT functionalities increases the TAM (Total Addressable Market) for developers and users.
• International regulatory harmonization: With Ripple's successes in the US, Dubai, and Asia, XRP becomes “passportable” in more jurisdictions.
• Institutional adoption: CME contracts, corporate treasury flows, and mainstream banking integrations create a pipeline for non-retail demand.

Community and Sentiment

• Community pulse: 82% bullish per CoinGecko, with rising developer contributions to core XRPL improvements.
• Sentiment on-chain: Stable staking, whale accumulation, and negligible net outflows from cold storage as of June paint a picture of conviction-led holding.

Investment Strategies per Time Horizon

Short-Term Positioning (1–6 months)

• Opportunity: Periods of technical consolidation amid bullish long-term news often precede sharp price expansions. The current resting phase, with price holding above key support and below resistance, presents a defined risk/reward window.
• Tactics: Accumulation on dips toward $2.08–$2.14 or post-breakout retests of $2.30; expectation of oversold metrics resolving into a bounce, especially pending positive regulatory catalysts.

Medium-Term Perspective (6–24 months)

• Momentum drivers: Anticipated ETF approval, extended CBDC partnerships, and protocol upgrades.
• Strategy: Strategic positioning ahead of institutional inflows, especially in the lead-up to ETF-related announcements and new bank integrations.
• Potential: If 2024’s +318% is a harbinger, medium-term continuation can’t be dismissed. Buying on extended pullbacks or confirmed breakouts is prudent.

Long-Term Value Thesis (2–5+ years)

• Structural tailwinds: Unassailable network in cross-border payments, growing real-world adoption, and ongoing tech upgrades.
• Holding rationale: For investors eyeing major multi-year moves aligned with macro asset revaluation and increased blockchain-enabled financial infrastructure.
• Portfolio fit: Allocations can serve as high-beta exposure to the “internet of value”—but position sizing and risk controls stay essential.

Suggested Positioning

• Ideal entry: Either on technical pullbacks towards strong support or in anticipation of significant milestones (ETF, protocol upgrade, major CBDC news).

XRP Price Projections (2025–2029)

Is Now the Right Time to Buy XRP?

After careful analysis of market dynamics, technical posture, and strengthening fundamentals, it is clear that XRP currently brings together critical ingredients for renewed appreciation. The combination of improved regulatory status, major strides in central bank and banking adoption, protocol-level innovation, and imminent ETF tailwinds serves as a powerful foundation.

• Key Strengths:
• Regulatory clarity and legal risk resolved, opening the door to institutional flows.
• Deep integration with banking and CBDC initiatives, strongly underpinned by real-world utility.
• Highly scalable, efficient, and environmentally-sound technology stack.
• Positive market sentiment and robust liquidity.
• Unique catalyst profile (ETF, DeFi/NFT, international expansion).

With a clear structure of accumulation above major supports, disciplined momentum signals, and a forward curve implying significant upside through 2029, the current window seems to offer an excellent opportunity for renewed strategic attention. The fundamentals justify sustained interest, and the technical configuration hints at the onset of a new bullish phase.

XRP remains a high-volatility digital asset, offering compelling opportunities for dynamic investment strategies; however, prudent risk management is non-negotiable. The asset’s recent regulatory and technical milestones highlight its unique ability to deliver swift and substantial price movements, yet the evolving global macro and crypto landscape emphasize the importance of selectivity. Tracking key technical levels — with $2.14 as immediate support and $2.30 as critical resistance — will be essential, while the anticipated protocol update in Q2 2025 may well act as a defining catalyst for XRP’s trajectory.

For forward-looking investors, XRP is currently positioned as a unique and potentially strategic access point within the rapidly expanding digital payments sector.

How to buy XRP?

It’s easy and secure to buy XRP cryptocurrency online in India using a regulated platform. There are two main ways to invest: spot purchases (buying actual XRP to hold in your own wallet), or trading via crypto CFDs (contracts for difference), which let you profit from price movements without owning the underlying asset. Spot buying is popular for long-term holders, while CFDs allow for leveraged short-term trading. Both approaches have their own risks and costs. If you want to compare the main platforms available in India for buying XRP, you’ll find a detailed comparator further down this page.

Spot Purchase

A spot purchase means you buy real XRP tokens and own them directly, usually storing them in your platform account or a private wallet. On Indian exchanges, you pay using INR (₹), and typical fees are a fixed commission per transaction—generally between 0.2% and 0.5%, plus a flat INR fee.

Important Example

Example: Suppose the current price of XRP is ₹180 (approx. $2.18 USD) and you decide to invest ₹85,000 (roughly €1,000 equivalent). After about ₹425 in fees (0.5%), you can buy roughly 470 XRP coins.
✔️ Gain Scenario: If the price rises by 10%, your holding is now worth ₹93,500.
Result: +₹8,500 gross profit, or +10% on your initial investment.

Trading via CFD

CFD trading on XRP allows you to speculate on the price without actually owning the token. Instead, you open a position (long or short) on price movements. Fees on CFD platforms include a spread (difference between buy and sell prices) and overnight financing charges if you hold the position past one day.

Important Example

Example: You open a CFD position with ₹85,000 and use 5x leverage. You are exposed to ₹425,000 worth of XRP. If the price of XRP rises by 8%, your gain is 8% × 5 (leverage) = 40%.
Result: ₹34,000 profit on your ₹85,000 deposit (excluding spread and overnight fees).

Final Advice

Before investing, it’s crucial to compare the fees and terms offered by different platforms, as costs and protection levels can vary. Your choice between spot buying and CFD trading should depend on your investment goals (long-term holding vs. short-term trading) and your experience with crypto assets. For a full comparison of trusted Indian platforms, please check the comparator provided on this page.

Our 7 tips for buying XRP

The latest news about XRP

XRP's recent technical indicators highlight a bullish setup despite prolonged consolidation and declining trading volume. Over the past week, XRP’s price has demonstrated modest but resilient growth, with intraday gains between +2.1% and +2.34% and a weekly increase of up to +2.2%. This performance comes amid 190 days of lateral consolidation, suggesting potential accumulation phases in play. While the RSI lingers in neutral-to-slightly-bearish territory (39-49) and the MACD maintains a sell signal, analysts observe a “giant inverse head-and-shoulders” pattern forming and Bollinger Bands tightening—classically interpreted as a prelude to a possible breakout. Volume has dipped by nearly 50% on the previous day, further underscoring imminent volatility once trading activity rises again. These technical undercurrents are being closely watched by Indian market participants who are sensitive to signals presaging large directional moves in globally liquid cryptos like XRP.

The long-awaited settlement with the SEC has materially improved XRP’s regulatory profile and is recognized positively by Indian institutions. The $50 million resolution with the US SEC ended a four-year legal battle, affirming that XRP is not classified as a security on secondary markets. This clarity was rapidly noted by both Indian crypto exchanges and local legal commentators, who see it as a precedent for smoother listing and trading compliance. With regulatory uncertainty now significantly lower, Indian analysts highlight reduced legal risks and a more stable environment for custodians, which is essential for both domestic exchanges and institutional treasuries considering XRP exposure.

India’s interest in CBDC collaboration aligns with Ripple’s growing portfolio of global central bank partnerships, reinforcing regional relevance. Ripple’s ongoing work with around ten governments—including recent news of launches or pilots in Georgia and Bhutan—positions XRP and the XRPL as leading infrastructure for future central bank digital currencies. Policy experts in India have publicly discussed the technical aspects of Ripple’s technology relative to the Reserve Bank of India’s evolving digital rupee strategy. While India has not yet entered a formal partnership, Ripple’s ISO 20022 integration and proven interbank adoption serve as attractive technical benchmarks for Indian regulators and financial institutions, supporting the possibility of future local adoption or interoperability.

Institutional momentum is reaffirmed by large-scale treasury deployments and rising ETF approval expectations, with implications for Indian stakeholders. Significant moves, such as VivoPower and Webus International committing hundreds of millions of dollars in XRP reserves, signal confidence from global corporates. Additionally, analysts estimate an 83-93% probability for US regulatory approval of an XRP ETF, which would further legitimize XRP as a mainstream investment product. Indian exchanges and family offices closely monitor such international developments, as they often fast-track similar product launches in India pending local regulatory green lights. The CME Group’s new XRP futures contracts have also been flagged by Indian derivative market participants reviewing cross-listing potentials.

XRP remains accessible through Indian exchanges under a cautiously optimistic regulatory climate, with local sentiment increasingly positive. Over the last week, Indian trading platforms such as WazirX and CoinDCX have highlighted stable XRP liquidity and processing, leveraging the SEC ruling as a key advantage during customer outreach. Community sentiment has been predominantly bullish (82% according to CoinGecko), and technical infrastructure improvements (notably XRPL v2.5.0 supporting DeFi) are spurring renewed developer and institutional engagement across the Indian fintech space. Together, these signals point to sustained and potentially expanding XRP activity in India, both among retail users and institutionally driven flows.

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.