XRP Price Today (XRP/USD) – Live Chart & Analysis

Track the live XRP price with our real-time XRP/USD chart. XRP is the #4 cryptocurrency by market capitalization, designed by Ripple Labs for fast, low-cost cross-border payments. With the SEC case fully resolved in August 2025 and multiple spot XRP ETFs now trading in the U.S., XRP has entered a new era of regulatory clarity. Below you will find comprehensive XRP price analysis, historical data, and expert insights.

Live XRP Price Chart

The interactive chart below shows the XRP spot price (XRP/USD) in real time. Use the timeframe buttons to view price movements from intraday trading to multi-year trends.

XRP/USD — Live Spot Price

Latest XRP News & Analysis

Stay informed with our latest coverage of XRP markets, price movements, regulatory developments, and expert analysis.

How to Invest in XRP

Investors have several options for gaining exposure to XRP, each with different characteristics, costs, and risk profiles.

Cryptocurrency Exchanges

The most direct way to buy XRP is through cryptocurrency exchanges. Following the full resolution of the SEC case in August 2025, XRP is now widely available on all major platforms.

Coinbase

Largest U.S. exchange by users. Relisted XRP in 2023 after the partial court victory; now one of its most traded assets.

Kraken

One of the first U.S. exchanges to relist XRP after legal clarity. Deep XRP/USD and XRP/EUR liquidity.

Binance

World’s largest exchange by volume with a wide range of XRP trading pairs including spot and derivatives.

Uphold

Maintained XRP trading throughout the entire SEC case. User-friendly platform with direct bank funding.

XRP ETFs & ETPs

Following the SEC case resolution, multiple spot XRP ETFs have launched in the United States. European exchange-traded products have been available since 2021.

21Shares Core XRP Trust

One of the first U.S. spot XRP ETFs, physically backed. Part of the wave of approvals following regulatory clarity.

Bitwise XRP ETF

Bitwise’s physically backed XRP product for U.S. investors, listed on a major exchange.

21Shares XRP ETP (AXRP)

Available on European exchanges since 2021. Swiss-domiciled, physically backed by XRP held in cold storage.

CoinShares Physical XRP

European ETP listed on SIX Swiss Exchange and other venues. Competitive management fees.

As of early 2026, U.S. spot XRP ETFs have accumulated over $1.2 billion in cumulative inflows since launching.

Self-Custody Wallets

For maximum security and control, investors can store XRP in self-custody wallets. The XRP Ledger requires a minimum reserve of 10 XRP to activate a wallet and 2 XRP per trust line.

Ledger / Trezor

Hardware wallets (cold storage) offering the highest security. Private keys never leave the device.

Xaman (formerly XUMM)

The leading XRP Ledger-native wallet. Full XRPL feature support including DEX, trust lines, and AMM.

Trust Wallet

Multi-chain software wallet with XRP support. Mobile-first, beginner-friendly interface.

XRPL DeFi & Staking

The XRP Ledger has expanded significantly with built-in DeFi capabilities. The native Automated Market Maker (AMM) launched in 2024, enabling on-chain liquidity provision. Ripple’s RLUSD stablecoin, launched in 2025, adds a dollar-pegged asset to the ecosystem. While XRP itself cannot be staked (no proof-of-stake), XRPL’s DEX and AMM offer yield opportunities for active participants.

Historical XRP Prices

Understanding XRP’s price history provides context for current valuations and helps identify long-term trends shaped by regulatory battles, crypto market cycles, and Ripple’s growing institutional adoption.

XRP Price History Chart

XRP/USD — Historical Price (Monthly)

Key Price Milestones

DateEventPrice
July 20252025 cycle all-time high$3.65
January 2025Post-inauguration peak$3.39
December 2024Post-election surge$2.90
November 2024Trump victory rally$2.50
July 2023Partial SEC court victory$0.82
April 2021Bull market peak$1.96
January 2018Historic all-time high$3.84
December 2020SEC lawsuit filed — price crashed 70%+$0.21
December 2017First major rally$2.30
March 2020COVID crash low$0.11
2015-2016Bear market floor$0.005
2012XRP Ledger launched$0.006

XRP’s price trajectory has been uniquely shaped by Ripple’s five-year SEC lawsuit. The December 2020 complaint triggered a 70% crash and forced major delistings. The July 2023 partial victory — ruling XRP is not a security in secondary market sales — reversed those delistings. In August 2025, both parties officially withdrew all appeals, ending the case. Since then, multiple spot XRP ETFs have launched, and XRP reclaimed its position as a top-5 cryptocurrency.

See also:

XRP Key Statistics

Market Cap Rank #4
Circulating Supply ~61B XRP
Max Supply 100B XRP
All-Time High $3.84
All-Time Low $0.003
Transaction Speed 3-5 sec
Transaction Cost ~$0.0002
Escrow in Custody ~39B XRP

What Drives XRP Price?

XRP’s price is influenced by a unique combination of regulatory, institutional, and ecosystem factors that distinguish it from most cryptocurrencies.

  • Regulatory Clarity — The SEC case ended in August 2025. XRP is confirmed not a security in secondary sales. Further legislation (Clarity Act) could expand this framework.
  • ETF Flows — U.S. spot XRP ETFs have attracted over $1.2 billion since launch. Continued inflows signal institutional demand and create persistent buy pressure.
  • Ripple Payments Adoption — RippleNet’s On-Demand Liquidity (ODL) uses XRP as a bridge currency for real-time cross-border settlements across 70+ countries.
  • RLUSD Stablecoin — Ripple’s USD-pegged stablecoin launched in 2025, custodied by BNY Mellon. Adds utility to the XRPL ecosystem and drives XRP network usage.
  • XRPL Development — Native AMM (2024), tokenized real-world assets (RWA), Hooks smart contracts, and the built-in DEX expand use cases.
  • Escrow Releases — Ripple holds ~39 billion XRP in escrow, releasing up to 1 billion monthly. Unused tokens return to escrow, ensuring predictable supply.
  • Bitcoin Correlation — XRP typically follows broader crypto trends. BTC sentiment, macro liquidity, and risk appetite all influence XRP’s direction.
  • Institutional Adoption — Banks, payment providers, and financial institutions integrating Ripple solutions increase demand for XRP as a bridge asset.

XRP vs Bitcoin Comparison

FeatureXRPBitcoin
Primary UseCross-border paymentsStore of value
ConsensusXRPL Consensus ProtocolProof of Work
Transaction Speed3-5 seconds~10 minutes
Transaction Cost~$0.0002$1-50+ (varies)
Max Supply100B (pre-mined)21M (mined)
Energy UsageMinimal (no mining)High (PoW mining)
Launch2012 (Ripple Labs)2009 (Satoshi Nakamoto)
GovernanceRipple Labs influence + UNLFully decentralized

Frequently Asked Questions

Is XRP a good investment?
XRP offers unique potential as a payments-focused cryptocurrency with direct institutional backing from Ripple Labs. The resolution of the SEC case in August 2025 removed the biggest overhang, and U.S. spot ETF launches have opened the door to mainstream investment. However, XRP carries concentration risk (Ripple holds significant supply in escrow), faces competition from stablecoins and CBDCs, and remains highly correlated with the broader crypto market. Investors should consider their risk tolerance and portfolio allocation carefully.
Is XRP a security?
No. In July 2023, a U.S. federal court ruled that XRP sold on secondary markets (exchanges) is not a security. However, direct institutional sales by Ripple were deemed unregistered securities offerings. In August 2025, both the SEC and Ripple officially withdrew all appeals, with Ripple paying a $125 million fine. This ruling provides definitive regulatory clarity in the United States and paved the way for spot XRP ETF approvals.
What is the best way to buy XRP?
For most investors, regulated exchanges like Coinbase, Kraken, or Bitstamp offer the easiest and most liquid access to XRP. For passive exposure without managing wallets, U.S. spot XRP ETFs (such as 21Shares Core XRP Trust or Bitwise XRP ETF) trade like stocks through standard brokerage accounts. European investors can access ETPs such as 21Shares XRP ETP (AXRP) on major exchanges. Active XRPL users may prefer Xaman (formerly XUMM) wallet for direct ledger interaction.
Why does XRP have a wallet reserve?
The XRP Ledger requires a minimum of 10 XRP to activate a new wallet and 2 XRP per trust line. This reserve mechanism prevents network spam by making it costly to create millions of empty accounts. The reserve amounts are set by validator vote and can be adjusted over time as the XRP price changes. The reserves are not lost but remain locked in the wallet as long as it is active.
What is XRP escrow and how does it affect the price?
In December 2017, Ripple placed 55 billion XRP into a cryptographic escrow to ensure predictable, transparent supply management. Up to 1 billion XRP is released monthly; any unused portion returns to the back of the escrow queue. As of early 2026, approximately 39 billion XRP remains in escrow. This mechanism prevents sudden supply shocks but does gradually increase circulating supply, which can create selling pressure if Ripple distributes tokens to partners or sells them on the open market.
Disclaimer: This content is for informational purposes only and does not constitute financial advice. Cryptocurrency investments carry significant risk, including the possibility of total loss. Past performance does not guarantee future results. Always conduct your own research and consult a qualified financial advisor before making investment decisions.