Recent discussions surrounding XRP, currently valued around $3, highlight its potential as an appealing investment option, particularly for those willing to commit until at least 2028. Supporters argue that a maturing payments infrastructure and advancements in asset tokenization could propel XRP to new heights, potentially surpassing the $5 threshold in the not-so-distant future.
Investors find themselves optimistic due to several emerging catalysts that are gradually alleviating long-standing uncertainties affecting the cryptocurrency. A significant milestone was reached in August 2025 when the Securities and Exchange Commission (SEC) resolved its case against Ripple, the company behind XRP. The conclusion, which included a $125 million fine and restrictions on institutional sales, is seen as a turning point that allows financial institutions to engage with Ripple’s ledger—the XRPL—without the burden of regulatory ambiguity.
In addition to regulatory clarity, Ripple has made strategic moves to enhance its compliance capabilities. The acquisition of the New York-regulated Standard Custody & Trust Company demonstrates Ripple’s commitment to catering to compliance-sensitive clients. Furthermore, Ripple’s application for a U.S. national bank charter in mid-2025 indicates an intention to broaden its range of regulated services.
Another compelling aspect driving XRP’s potential is the formation of a value-generating ecosystem centered around payments and stablecoins. The XRPL’s architecture ensures that transaction fees remain minimal and are paid in XRP, which are then burned, thereby decreasing the coin’s overall supply in circulation. Current payment clients leveraging Ripple’s infrastructure include SBI Remit and Tranglo, facilitating efficient remittance and liquidity services. The introduction of Ripple’s dollar stablecoin, RLUSD, is expected to further bolster transaction volume and liquidity on the XRPL.
Moreover, the ongoing trend of asset tokenization presents XRP with numerous opportunities. With an estimated $308.7 million in real-world assets (RWAs) already appearing on the blockchain, and live projects involving tokenized credit instruments, there is a strong incentive for investors to tap into XRPL’s regulatory compliance features, which may attract new capital inflows.
However, challenges remain, particularly in light of competition from other blockchain platforms. Ethereum, for instance, boasts a superior asset tokenization framework, commanding a market value of $8.3 billion, and leads substantially in the stablecoin sector with $159.4 billion compared to XRP’s figures. This competitive landscape could prolong XRP’s journey towards widespread adoption and price appreciation.
Despite these hurdles, if XRP continues to execute its product roadmap effectively and transaction volumes increase, it may build a compelling case for holding XRP as a long-term investment. Investors are encouraged to view their positions through the lens of several years, reassessing them upon the achievement of significant regulatory or product milestones. For those considering entry points, purchasing XRP below $5 could represent a strategic addition to a diversified investment portfolio.
