In April 2024, Ripple announced plans to launch a U.S. dollar-pegged stablecoin that would compete with current leading stablecoins USDT and USDC, from Tether and Circle, respectively. Ripple has said the stablecoin will be backed 1-to-1 by equivalent assets including cash, U.S. dollar deposits, and government bonds. Of these 100 billion XRP tokens, 20 percent gemini coin list were given to Ripple founders Chris Larsen and Jed McCaleb, 77.8 percent of XRP tokens were allocated to Ripple, and 0.2 percent were airdropped to users. The XRP Ledger servers are operated by companies and financial institutions. Ripple, XRP Ledger Foundation, and Coil (a Ripple-funded platform) release lists of recommended validators based on metrics like past performance, verified identity, and IT policies.
Stablecoins are cryptocurrencies designed to have a stable price, with their value backed by a reserve of the asset it represents. To achieve this, the value of any one stablecoin is pegged to a a guide to trading and investing in cryptoassets commodity or financial instrument, such as the US Dollar (USD), with its supply regulated by an algorithm or demand. The main goal of stablecoins is to provide an on/off-ramp for investors willing to trade and invest in cryptocurrencies. Stablecoins also allow investors to store value since cryptocurrencies, in general, are subject to volatility. Bitcoin is the largest cryptocurrency by market capitalization, a virtual currency designed to serve as money.
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The Motley Fool reaches millions of people every month through our premium investing solutions, free guidance and market analysis on Fool.com, top-rated podcasts, and non-profit The Motley Fool Foundation. Stablecoins could outcompete XRP in corridors where foreign exchange is minimal and volatility is undesirable, with Ripple’s own RLUSD potentially cannibalizing some bridge-asset use. Meanwhile, public-sector initiatives like CBDCs or private-sector upgrades such as SWIFT gpi could offer comparable speed and cost benefits, reducing the incentive to adopt XRP. If more banks and PSPs integrate XRP into high-cost corridors, particularly in emerging markets, utility demand could rise significantly. In this piece, we’ll break down XRP’s fundamentals, market position and the forces that could define its value by 2030.
As of now, the circulating supply of XRP is 59.6B, and the total supply is 100.0B. XRP is down -1.41% against Ethereum and up 1.47% against Bitcoin in the last 1 month. Moreover, there cannot be a single point of failure on the network and no single participant can make an immediate decision.
At inception, 80 billion XRP were transferred to Ripple Labs, with the remaining 20 billion held by the founders. Ripple later placed 55 billion XRP into monthly time-release escrow contracts. According to Ripple’s latest quarterly market report (as of March 2025), the company held approximately 4.56 billion XRP in free wallets and 37.13 billion XRP locked in escrow contracts. These numbers are updated quarterly and may vary slightly over time. Any XRP not used after a monthly release is automatically returned to escrow. If you’re a financial institution, it’s best to contact Ripple directly.
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XRP offers banks and payment providers a reliable, on-demand source of liquidity for cross-border payments. Today, it takes about three to five days to send money from one country to another through a bank, which usually involves high fees, the risk of the payment being delayed (or never going through altogether). Alternatively, businesses can pre-fund nostro accounts in the recipient’s country, which ties up capital. XRP is part of a solution that fixes all these shortcomings, with an average settlement time of 4 seconds, at a fraction of the cost. XRP, developed by Ripple Labs, is a payment-focused cryptocurrency designed to facilitate fast, low-cost cross-border transactions. Some digital assets, like Bitcoin, aim to replace existing government-backed currencies.
How much will Ripple XRP be worth in 2025?
Several asset managers plan to introduce exchange-traded fund that track the spot price of the XRP token. The Securities and Exchange Commission (SEC) has received at least eight applications for such products, and the decision deadline for most of them falls in late October 2025. Ripple CEO Brad Garlinghouse recently estimated that, within five years, XRP could capture 14% of the cross-border transaction volume currently handled by SWIFT. While it is true that hundreds of banks use Ripple Payments, an umbrella term that includes all its products, the vast majority do not use its ODL service. Founded in 1993, The Motley Fool is a financial services company dedicated to making the world smarter, happier, and richer.
Ripple Labs released the XRP cryptocurrency in 2012 and raised over $7.5 million in a Series A funding round led by Andreessen Horowitz in 2013 to fund the development of the Ripple project. The XRP Ledger comprises servers that collect transactions from client applications, such as financial institutions, and processes them. Participants using the Ripple network choose a set of servers that participate in a consensus mechanism from a Unique Node List (UNL) maintained by Ripple.
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Ripple’s legal battles are largely behind it, the company keeps expanding into cross-border payments, and institutional partnerships continue to roll in. And yet, despite all the progress, the Ripple price remains underwhelming. The Ripple price today is $3.08 USD with a 24 hour trading volume of $2.45B USD. XRP can be purchased on several cryptocurrency exchanges, including Binance, GMO Japan, EXMO. Unlike cryptocurrencies that either have an increasing pool with a maximum limit, like Bitcoin, or theoretically have no cap, like Ethereum, Ripple began with the entire offering of its 100 billion XRP tokens. This amount of tokens in the market remains constant, as there is no mining process for XRP.
It was built to be a better Bitcoin — faster, cheaper, and greener than any other digital asset. Alternatively, you can use your existing cryptocurrencies to obtain XRP tokens through the various trading pairs available on OKX’s spot market. You can also visit OKX Convert to swap your digital assets, such as Bitcoin (BTC), Ethereum (ETH), Tether (USDT), and more, for XRP without incurring any fees or price slippage.
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This was accomplished in large part thanks to XRP Ledger not using a proof-of-work consensus mechanism. The Federated Byzantine Agreement doesn’t require a huge network of computers to provide a significant amount of computing power for securing the network. A successful conclusion to the ongoing SEC lawsuit may see XRP relisted on top exchanges. Positive news from the case has led several exchanges to change their stance on offering the token.
- More optimistic projections indicate that, with widespread institutional adoption, XRP could surge above $26 by 2030.
- If instability rocks the XRP market, the 100-day EMA at $2.79 and the 200-day EMA at $2.54 could come in handy to absorb potential sell-side pressure.
- Bitcoin, Bitcoin Cash, Ethereum, Litecoin and other popular cryptocurrencies can be purchased with U.S. dollars using Coinbase.
- Ripple, XRP Ledger Foundation, and Coil (a Ripple-funded platform) release lists of recommended validators based on metrics like past performance, verified identity, and IT policies.
- As of now, the circulating supply of XRP is 59.6B, and the total supply is 100.0B.
In the same year, Ripple launched a pilot program with Standard Chartered to bring its fast cross-border payment services to the lender’s customers. To ease inflation, Ripple has implemented a deflationary mechanism for XRP wherein all the fees collected on the network are burned. Most Ripple price predictions for the next 12 months sit in the $1.50 to $2.50 range. That’s not bad—but it’s hardly what traders chasing high returns are looking for. The XRP chart has been stuck in a sideways pattern for months, and even positive headlines barely nudge the price.
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- This solid increase in OI, as shown in the chart below, implies that more traders are leveraging long positions in XRP, anticipating short-term price increases.
- The XRP Ledger servers are operated by companies and financial institutions.
- Ripple’s new partnership with BBVA under MiCA compliance fueled optimism that traditional banks may deepen adoption of blockchain settlement.
- Average remittance fees of 6% leave room for cost-cutting innovation.
- Ripple reportedly holds 40.7 billion XRP tokens in escrow as of February 2024.
According to price predictions, XRP could range between $4.67 and $26.97 in 2030, depending on institutional adoption, regulatory developments, and the expansion of Ripple’s cross-border payment solutions. Federal Reserve interest rate policies, global recession risks, and institutional investment in digital assets will play a major role in XRP’s future performance. Another compelling factor is XRP’s liquidity and deep market penetration. As one of the most traded cryptocurrencies, XRP enjoys high daily pepe coin how to buy trading volumes (~$3.4 billion in late 2024), ensuring price stability and ease of entry for institutional investors. If adoption accelerates in high-cost corridors and liquidity continues to improve, XRP could see both price appreciation and greater real-world utility.
Even with mass institutional adoption, such a price level is considered unrealistic. Technological advancements in blockchain-based settlement systems could pose a challenge. Competitors like Stellar (XLM) and SWIFT’s blockchain initiative offer alternative cross-border payment solutions that could reduce XRP’s market share if they gain traction among banks. Additionally, Ripple has formed high-profile partnerships with financial institutions, including Santander, SBI Holdings, and American Express, demonstrating its real-world utility beyond speculation. If regulatory clarity is achieved in the U.S., more institutional players could integrate XRP into their payment infrastructure, leading to higher adoption and price appreciation. CoinPedia’s high-end projection of $8.60 assumes that RippleNet solidifies XRP’s role in the banking sector, potentially competing with SWIFT for global settlements.