Is XRP a Good Investment Right Now?

XRP, the native cryptocurrency of Ripple’s payment network, has been drawing significant attention for its price swings lately. As of June 20, 2025, XRP is trading at about $2.15, a massive jump of over 334% from $0.49 a year ago. 

But is XRP a good investment right now? 

Let’s break down the facts, recent trends, and what experts are predicting.

XRP Holds Steady Despite Concerns

Over the past few years, XRP’s price growth was held back by its legal battle with the U.S. Securities and Exchange Commission (SEC), but its recent performance has been mixed. 

In March 2025, the price dropped by 2.56%, followed by a 4.84% gain in April, and a slight dip of 0.78% in May. Meanwhile, in June, XRP has been mostly flat, with prices hovering around $2.17. This shows that it’s in a consolidation phase, waiting for the next big push.

However, on-chain activity is low, with active wallets dropping from 100,000 to under 20,000 since December. This shows many are holding, not using XRP — a concern for long-term utility.

Key Factors to Watch

Several factors influence whether XRP is a good investment:

Regulatory Clarity: The ongoing settlement talks between Ripple and the SEC have helped reduce legal uncertainty, now, all eyes are on August 15. 

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XRP ETF Approval: The key catalyst for XRP ETF approval is its security status. Despite this, Polymarket predicts a 89% chance the XRP ETF to get approved by the end of 2025.

Institutional Adoption: Ripple’s partnerships with banks and payment networks are crucial. Currently, XRP is being used in real-world payments, boosting demand. It’s now linked with Thor Chain, UAE banks like Xand Bank and Momo, and tokenized real estate. 

Ripple has also acquired big firms like Metaco and Hidden Road, which handle $3 trillion yearly.

Expert Predictions: XRP Price Eying $14

Although crypto analyst Mikybull Crypto says XRP’s current pattern mirrors 2017. Back then, XRP stayed flat for months before soaring 1,300% to $3.38. If the same happens now, XRP could jump from $2.19 to around $14, signaling a big rally ahead.

Despite the optimism, XRP’s price is still volatile. Analysts say if adoption slows or rules get stricter, it could drop or stay flat around $1.80 to $2.

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