Is XRP Overvalued Or Undervalued?
Transfers on popular routes like SWIFT can take 1 to 5 business days or longer if there’s more than one middleman bank involved, and in case you’re wondering who pays, it’s up to you. You can pay all the fees so the recipient enjoys the entire amount, or just cover your bank’s transfer fees, but the recipient may get slapped with added charges. And then there’s plan C, where the recipient pays the processing fees. Ripple can be a much better option. XRP moves across the XRP Ledger in seconds, then gets replaced with the recipient’s local currency.
Ripple kicked off with a dream to shake up traditional banking and make cross-border payments quicker, cheaper, and more efficient. It wasn’t just about making things better, but about changing the game completely. Ripple put forward a system where value could move as fast as information - in the blink of an eye - and XRP was created to tackle every challenge that Ripple set out to solve, but it exists independently now, with its own ecosystem and use cases beyond Ripple’s network. What’s your XRP price prediction? With Ripple gaining legal clarity, expanding its partnerships, and pushing for global adoption, don’t be surprised if it breaks past its previous all-time highs.
It’s natural to question if XRP’s market price reflects its true value, especially when many believe its long-term utility is still underappreciated by the market. If more people keep jumping into crypto and XRP becomes the top pick for liquidity and settlement, its price could eventually catch up to its real-world value, but until that happens, XRP will continue to spark heated conversations.
How XRP Compares To Other Major Cryptos
It’s impossible to say for sure how many cryptos are out there because the number is always growing, and many aren’t even active. People create new coins to solve certain problems, such as privacy (e.g., Monero), or focus on particular niches like smart contracts and dApps (e.g., Ethereum). Tons are nothing more than rebrands or minor tweaks with no real utility. If you were to ask anyone why they bought XRP, they might give you different answers ranging from long-term investment to using it to send money across borders quickly and cheaply. Major institutions and exchanges have billions in XRP.
XRP has a ledger system that keeps tabs of all transactions, with details on how much money people send and when they transfer it. The computers, or the nodes, confirm that a transaction is genuine and the payor is the rightful owner of the coins; it’s impossible to change transaction data once it’s posted on the network. Only 80% of nodes need to agree, and this makes XRP much faster than Bitcoin or Ethereum. There are 150+ validators on the network and 35+ on the Unique Node List who solve the double-spend problem in a more energy-efficient way.
XRP is designed for fast, low-cost international payments and remittances. A bank or payment provider connected to RippleNet, which is built on top of the XRP Ledger, can send money to a recipient from a different country using On-Demand Liquidity (ODL), so there’s no need to have pre-funded accounts, which tie up capital. The recipient bank or payment provider receives the funds in their local currency. XRP can process 1,500 transactions per second with an average speed of 3-5 seconds, whereas Ethereum takes about 15 seconds and Bitcoin takes 10 minutes.
All 100 billion XRP tokens were created at once when the XRP Ledger was introduced in 2012. XRP can’t be mined. Ripple kept a large portion and used an escrow system to release XRP little by little to avoid flooding the market. Ripple sells XRP to exchanges, institutions, and individuals to motivate network growth and fund development. SBI Holdings, an Internet-based financial solutions provider, uses XRP via ODL to boost speed and reliability in transactions. The company reportedly holds $10 billion worth of XRP, which gives it direct influence over Ripple’s direction and access to XRP-related innovations.
XRP’s Current Price Action & Historical Performance
The XRP to USD conversion rate is now $2.84 per XRP. It’s very close to XRP’s all-time high price, which materialized in January 2018, when the token reached $3.84. Many factors affect the price of XRP, including the mood of the crypto market, technical developments, how much XRP the average person owns, and the events in the economic calendar. Ripple’s legal triumph makes XRP more attractive to Wall Street. As of October 2025, the SEC is weighing up a handful of spot XRP ETF applications, and approvals could lead to billions of dollars from institutional investors.
In 2025, XRP did better than Ethereum, marking a surprising shift in the altcoin landscape. Unlike Ethereum, which only cares about decentralized finance (DeFi) and smart contracts, XRP zeroes in on payments, liquidity, and international settlements. The XRP Ledger is a scalable alternative to Ethereum’s congested network, where more and more users vie for a piece of computational power. Ethereum has been the victim of its own success. Despite upgrades, gas fees are high and transaction times are slower, not to mention that economic incentives and regulatory pressure erode its censorship.
A Summary Of the Ripple Vs SEC Case Outcome
The SEC took legal action against Ripple in December 2020, near the end of Donald Trump’s first White House term, insisting that XRP tokens were unregistered securities. The lawsuit was a bit of a shock because XRP was the third most popular crypto by market cap, trailing Bitcoin and Ethereum. In the face of challenges and frustrations, Ripple didn’t lose its supporters. Actually, many within the XRP community stood firm by the project, and this faith is what kept XRP from falling. In July 2023, Judge Analisa Torres ruled in Ripple’s favor, saying that the XRP sold on public exchanges didn’t meet the definition of a security.
In August 2025, Ripple and the SEC reached an agreement outside of court, putting an end to a legal battle that stretched over five years. More exactly, both parties withdrew their appeals, and the ruling stated again strongly that XRP isn’t a security in secondary-market transactions. Ripple’s $125 million deal with the SEC finally closed the chapter on years of regulatory limbo for XRP, bringing much-needed clarity to its status in the crypto space.
Similar Articles
The cryptocurrency landscape has undergone a tremendous transformation in 2025, making it feel as though there is simply too much to encompass.
What are the best crypto staking coins and other digital assets to use in 2025 to get the desired profit in the investment process, and not lose your investments? Learn tips from experts and use them in practice
Thinking of trading meme coins? Learn how to spot hype early, avoid rugs, and play the game without getting wrecked. Straight talk, no fluff.
Cryptocurrencies are still a relatively new addition to the financial world, but that doesn’t mean they haven’t become popular among a large number of investors from all over the world who are looking to add them to their portfolios.
Can you actually buy a house with Bitcoin? Yup, you totally can, but it kind of depends on the seller. Some sellers and real estate agents are all for crypto and will accept Bitcoin directly.
Ethereum is a digital ledger that has leveraged the potential of blockchain technology, such as integrating decentralization
Overall, mining containers have emerged as an innovative solution for the deployment of cryptocurrency mining operations. These mobile units are designed to house high-performance mining equipment, providing a flexible and scalable alternative to traditional mining facilities.
Many people who invested in cryptocurrencies like Bitcoin have made good money over the years, with some even benefiting from the rising Ai16z price trends in the market.
Cryptocurrencies are well-known among investors for their volatility and fluctuations. Sometimes, values can vary quite a lot, even in the span of a day, which is why many traders have been reluctant to adopt digital assets and include them in their list of holdings