Is It Worth Buying XRP in 2025?

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

XRP in brief

How much does 1 XRP cost?

The price of XRP is on the rise this week. As of today, XRP is trading at approximately SGD 2.94, with a 24-hour increase of about +0.6% and weekly consolidation near the SGD 2.90–2.95 range. Its market capitalisation stands strong at roughly SGD 173 billion, ranking #4 among global cryptocurrencies, while the average daily trading volume over the past three months is around SGD 2.1 billion. There are 58.8 billion XRP tokens in circulation, representing a market dominance of about 3.7%. As with most cryptocurrencies, XRP remains dynamic, offering investors both opportunities and risks amid ongoing market volatility.

Our complete opinion on the cryptocurrency XRP

Have XRP’s recent trends and its evolution over the past three years positioned it to outshine its competitors? By combining on-chain indicators, technical signals, market data, and a competitive landscape analysis via proprietary algorithms, we identified several high-conviction signals. So, why could XRP again become a strategic entry point in the cross-border payments ecosystem in 2025?

Performance Recap and Market Context

Recent Price Evolution

Over the past twelve months, XRP has exhibited robust recovery dynamics, securing a +48% gain since its lows in early 2024, notably driven by a favorable outcome with US regulators. As of June 2025, XRP consolidates near $2.17 USD, reflecting strong investor confidence after navigating through intense regulatory scrutiny. Weekly price action stabilizes in the $2.15–$2.20 range, while the asset remains near its yearly highs—showing pronounced resilience vs. the broader market.

Positive Events Fueling Sentiment

• Regulatory breakthrough: May 2025, Ripple finalized a $50M settlement with the SEC, and the subsequent withdrawal of the SEC’s appeal eliminated a persistent cloud over XRP. This event catalysed a substantial rerating as legal uncertainty was priced out, paving the way for institutional inflows.
• Institutional adoption: Since Q2 2025, major US banks have rolled out XRP-powered international transfer solutions, validating the asset’s utility in cross-border payments.
• Stablecoin integration: The recent launch of a USD-backed stablecoin, greenlit by New York financial authorities, further strengthens Ripple’s institutional positioning.

Macro & Sector Tailwinds

Crypto markets in 2025 experience a resurgence of risk appetite amid softening global interest rates, robust inflows into digital asset ETPs, and a revival in blockchain adoption by financial institutions. XRP’s profile, positioned at the intersection of compliant blockchain finance and the global payments industry, aligns perfectly with these macro dynamics.

Technical Analysis

Momentum & Indicators

• RSI (14D): 42.7 (neutral) – suggests XRP is neither overbought nor oversold; the setup favors a possible move higher should momentum build.
• MACD: Currently neutral/slightly bullish; mid-2025 signals indicate a bullish crossover could materialize.
• Moving averages:
• 21D EMA: $2.30 acts as immediate resistance.
• 50D MA: Underpins current support zone; buyers defending $2.00.
• 200D MA: Still trending upward, affirming a long-term bullish bias.

Support & Resistance

• Primary supports: $2.00 and $1.76—zones historically defended by market participants.
• Breakout resistances: $2.26–$2.28 (short term); $2.50–$2.65 (mid-term); $3.40 (yearly high).
• Bullish scenario: 57% of meaningful moving averages now flag a bullish setup, and price consolidation below resistance levels often precedes breakouts during macro upswings.

Short & Medium-Term Configuration

XRP’s current price action is best described as a high-tight flag—a well-known technical pattern that, combined with increasing trade volume, signals potential for upside momentum. With over $1.5B in daily trading volume and liquidity consistently high on top exchanges, the asset is primed for outsized moves on positive catalysts.

Fundamental Analysis

Adoption & Partnerships

• Huge enterprise traction: Ripple’s banking relationships remain a core asset: over a dozen US financial institutions now piloting or launching XRPL-powered transfers.
• Regulatory clarity: XRP is one of the rare digital assets now held in institutional custody post-SEC settlement, facilitating accelerated institutional involvement.
• Ecosystem development: Continuous onboarding of developers and solution providers leverages XRP’s blockchain for both payments and budding areas like tokenized assets.

Valuation & Structural Advantages

• Attractive multiples: Trading at $128B market cap, XRP is undervalued relative to both its SSB (sector-specific benchmark) peers and its TAM (total addressable market) in global transfers—suggesting room for rerating.
• Tokenomics: 58.8B XRP circulate (59% supply); ample, yet managed with disciplined escrow releases limiting inflationary pressure.
• Technology edge: Ultra-fast settlement (seconds per transfer), extremely low fees, and protocol maturity distinguish XRP from nearly all digital payment competitors.
• Community: Deep liquidity ($1.2–$1.8B daily), broad availability, and active developer community contribute to robust, self-sustaining ecosystem.
• Top-tier ranking: XRP remains in the global crypto top-5 by market cap, a testament to its staying power.

Volume & Market Trust

• High structural liquidity: >$1.5B daily volumes confirm market confidence, enabling instant entries/exits even for institutional participants.
• Market share: As a dominant force in the cross-border/value transfer segment, XRP’s prominence is both legacy-driven and consistently renewed by innovative partnerships.
• Institutional-grade infrastructure: Custody, compliance standards, and clearing protocols rank among the top in the sector.

Catalysts and Positive Outlook

Key Upcoming Drivers

• XRPL upgrades: Continued protocol enhancements, including interoperability features and smart contract expansions, are planned for late 2025.
• Institutional onboarding: Anticipated announcements from additional global banks and potential integration by EU/Asia-Pacific payment players.
• Regulatory “free pass”: With a non-security status following the SEC’s final settlement, XRP enjoys direct accessibility for a myriad of funds and corporate treasuries.
• Expansion to DeFi/NFT: The recent wave of NFT and tokenization pilots on XRPL open the door for new utility and audience segments.
• Potential price rerating: Should macro conditions remain constructive and adoption continue, current pricing leaves scope for upward revision.

Regulatory and Institutional Landscape

With regulatory risk—historically XRP’s biggest headwind—decisively cleared, and a wave of traditional finance beginning to bridge into tokenized rails for payments, the backdrop for value accrual is outstandingly favorable relative to sector peers.

Investment Strategies: Entry Points Across Horizons

Short-Term (Weeks to 3 Months)

• Breakout opportunity: Watch for confirmed close above $2.30 (21D EMA resistance) as potential technical trigger for new momentum leg.
• Pullback entries: Dips to the $2.00–$2.08 range, coinciding with key support and high-volume nodes, present favorable setups for risk-versus-reward buyers.
• Catalyst timing: Anticipate further upside around protocol update announcements or major banking partnership news.

Medium-Term (3–12 Months)

• Institutional flows: Ongoing onboarding by banks and expected new stablecoin use cases could underpin multi-month trends toward the mid-$2 to $3+ ranges.
• Secular uptrend: Price structure, market sentiment, and on-chain accumulation patterns support the view that XRP could well embark on a new up-cycle during H2 2025.

Long-Term (+12 Months)

• Macro and fundamentals: Ripple’s trajectory in global settlement markets, combined with deep regulatory compliance, positions XRP as a core allocation for diversified crypto exposure.
• Holding through innovation: Integrations with emergent DeFi and tokenized real-world assets could incrementally add new utility (and price support) through 2026–2028.

Ideal Positioning

For sophisticated investors, establishing a position amid consolidations—especially prior to major ecosystem milestones—appears particularly compelling, exploiting both technical and fundamental inflection points.

XRP Price Projections Table (2025–2029)

Is Now the Right Time to Consider XRP?

• The regulatory burden has lifted after the SEC settlement, unlocking institutional adoption and greenlighting new use cases.
• Technical price structure points to a consolidation phase with elevated breakout potential, while on-chain metrics and volumes demonstrate persistent market trust.
• Macro and sectoral dynamics—renewed risk appetite, growing bank and enterprise involvement in blockchain—provide powerful tailwinds.
• Continuing protocol upgrades, new banking collaborations, and expansion into stablecoins/DeFi cement Ripple’s first-mover advantage in the cross-border payment space.

Given this confluence of positive forces, XRP seems to represent an excellent opportunity amid the current landscape. The foundation is set for a new growth cycle, and the next 12–24 months could see XRP decisively redefine its place in the hierarchy of digital assets. For allocators seeking exposure to regulated, high-utility crypto assets, the case for XRP warrants serious consideration.

XRP remains a high-volatility digital asset that offers excellent potential for dynamic investment strategies, albeit requiring rigorous risk management. The recent surge underlines XRP’s ability to generate rapid and substantial price movements, yet the evolving macro context necessitates a selective and informed approach. The key technical levels to watch are $2.00 as immediate support and $2.28–$2.30 as the gateway to further upside. The upcoming protocol upgrade, scheduled for Q4 2025, could act as a major catalyst for XRP's future trajectory.

How to buy XRP?

It’s now easier and safer than ever to buy XRP online through regulated platforms in Singapore. As an investor, you have two main options: buying XRP “on the spot” (spot purchase) and holding the actual coin, or trading XRP price movements through crypto CFDs (Contracts for Difference) which do not require you to own the underlying asset. Each method has distinct features, risk levels, and cost structures. For a detailed comparison of platforms available to Singapore residents, scroll further down this page.

Spot Purchase

A spot purchase means buying real XRP tokens and holding them in your personal crypto wallet, giving you true ownership of the asset. Most regulated exchanges in Singapore charge a flat commission per transaction, typically ranging from SGD 2 to SGD 10 depending on the platform.

Important example

Example: If 1 XRP = SGD 2.93 (approximate USD/SGD rate), a SGD 1,500 investment could buy you about 512 XRP coins (minus a transaction fee of roughly SGD 7).
If XRP’s price rises by 10%, your holding would now be valued at SGD 1,650.
Result: SGD 150 gross gain, or +10% on your original investment.

Trading via CFD

Trading XRP via CFDs means you speculate on the price movement of XRP, without actually holding the coin in a wallet. CFDs are offered by many online brokers and allow you to use leverage, increasing both potential gains and risks. The main fees are the spread (difference between buy and sell price) and overnight financing costs for positions held beyond one day.

Important example

Example: You commit SGD 1,500 on a CFD with 5x leverage, giving you market exposure of SGD 7,500.
If XRP price increases by 8%, your CFD position grows by 8% × 5 = 40%.
Result: SGD 600 gain (before fees) on your initial SGD 1,500 (higher returns, but higher risk).

Final Advice

Before investing, carefully compare fees, terms, and security features across different platforms tailored for Singapore residents—details are available in our comparison tool below. Ultimately, your choice between spot purchase and CFDs will depend on your investment objectives and risk tolerance. Always invest responsibly and stay informed.

Our 7 tips for buying XRP

The latest news on XRP

XRP continues to see strong institutional adoption in Southeast Asia, with Singaporean banks and fintechs expanding cross-border payment pilots powered by Ripple technology. Over the past week, multiple regional fintech conferences highlighted recent successes in using the XRP Ledger (XRPL) for instant international settlements, with local payment providers in Singapore reporting improved speed and cost efficiency compared to SWIFT rails. Ripple's Singapore office has reportedly intensified partnerships with MAS-licensed entities, leveraging the city-state's regulatory openness to attract more institutional clients to its On-Demand Liquidity (ODL) product, thus strengthening XRP’s use case within the MAS regulatory framework.

Singapore’s regulatory clarity for digital assets continues to favor XRP, following Ripple’s recent global legal victories and MAS-approved stablecoin developments connected to the XRP ecosystem. The Monetary Authority of Singapore (MAS) has maintained a progressive approach towards crypto assets deemed non-securities, explicitly supportive of payment tokens integrated into compliant cross-border solutions. With the SEC dropping its appeal against Ripple last month, Singapore-based digital banks and licensed payment institutions—long cautious—are now more actively engaging in XRP-related services, choosing MAS’s Recognized Market framework for licensing and operations.

XRP trading volume on Singapore-based exchanges such as Independent Reserve and Crypto.com has risen by 14% over seven days, indicating renewed retail and institutional demand amid global consolidation. While the global price consolidates in the $2.15–2.20 range, Singaporean platforms have noted a relative uptick in buy-side order flows, correlating with recent MAS-driven retail investor confidence campaigns and educational initiatives on regulated crypto trading. This local momentum is supported by above-average liquidity and tight spreads on SGD pairs, minimizing friction for new entrants and institutional hedging activity alike.

Technical analysis of SGD-XRP pairs on Singapore platforms signals strong local support at psychological levels, with upside potential aligning with international targets. Local analysts point to clear support at SGD 2.90–3.00 (mirroring the $2.00–2.15 USD band) and resistance near SGD 3.30, suggesting that regional traders remain optimistic on further gains. Technical setup is categorized as neutral-bullish with increasing signals of a possible breakout, with Singapore institutions participating in ‘buy the dip’ strategies—reaffirmed by 57% of key technical indicators tracking bullish, and the 200-day moving average remaining upward.

Ripple has announced deepened collaboration with Singapore-based blockchain industry groups to drive Web3 and tokenization initiatives, fostering skills transfer and regulatory dialogue beneficial for XRP in Southeast Asia. Over the past week, Ripple executives met with leaders from the Blockchain Association Singapore and the Singapore Fintech Association, with joint plans to expand the region’s talent pool for distributed finance and increase public-private sector cooperation. These moves are expected to reinforce XRP’s technical and regulatory foundation in Singapore, supporting future growth and further mainstream adoption.

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.