XRP and XLM Share a Problem, None Have Outperformed Next-Gen Payment Token RTX Touted as Best Crypto to Buy Now

After their remarkable performances in Q4 2024, many analysts and investors were expecting XRP and XLM to deliver even better returns in 2025, nominating them as the best crypto to buy now in January. However, that has not been the case at all. This year, XRP has not shown any real price appreciation and instead it has been ranging. XLM’s performance is even worse because the token has been in a steady decline. 

While the established PayFi tokens continue to struggle, a new payments project, Remittix, is quietly building a very different profile that is already delivering impressive results. Competition within the PayFi sector is heating up, but experts agree on one thing: Remittix is the best crypto to buy now, ahead of both XRP and XLM.

Best Crypto To Buy Now: XRP price stalls despite ETF momentum

XRP’s story in 2025 looks powerful on paper. The token has reached up to $3.60 after a huge move from about $0.50 to above $2 in late 2024 and early 2025. At the same time, institutional demand for XRP ETFs has already passed $1 billion in assets, making it one of the most successful altcoin ETF launches so far. 

However, the disappointment for many investors is the fact that the XRP token price has struggled to reflect this strength. While XRP has actually managed to reach above $3 this year, it has actually not been able to maintain that valuation. Instead, price has been oscillating between $1.6 and $3, showing no real growth.

Because of this, investors are now pulling their liquidity away from XRP into other PayFi alternatives that demonstrate better and stronger upside momentum, like Remittix.

XLM: Solid Narrative, Frustrating Price Action

Comparatively, XLM has had an even worse performance in 2025 than XRP. Stellar is trading inside a clear falling channel on the medium-term chart, signalling rising pessimism as lower highs and lower lows form. 

The token is testing support near $0.23, and according to analysts, a bounce at that level could spark a relief move. However, if XLM breaks down here, it would send a negative technical signal. Volume has been higher at local tops and lighter at local bottoms, which weakens the downtrend but has not yet delivered a firm reversal. 

Remittix Wins The PayFi Dominance Battle

Although experts used to consider XLM and XRP as top choices for the best crypto to buy now positions, they are now realigning their predictions in favor of Remittix. Remittix is an Ethereum-native PayFi solution that is solving the $19 trillion problem of global cross-border payments with advanced blockchain solutions. 

Already, Remittix’s funding demonstrates the huge amount of appeal it has with investors. The PayFi solution has secured more than $28.5 million in private funding from investors and confirmed token listings on top exchanges like BitMart and LBANK. Meanwhile, in a bid to increase its market share, Remittix has also debuted its new wallet on the Apple App Store, a catalyst that investors are sure will help drive more liquidity into the project. 

Here are some other reasons why Remittix is outperforming XLM and XRP:

• Strong community engagement powered by an active $250,000 giveaway and a highly-rewarding referrals program
• Impressive global adoption potential with Remittix already delivering live crypto-to-fiat support for individuals, merchants, and institutions in 30 different countries
• Successful security verification by CertiK

In addition to the above, the Remittix team is working on several upgrades and a major December announcement that should transform the app into a global PayFi powerhouse. That visible product progress is a key reason some analysts now call RTX the best crypto to buy now when they screen for utility tokens with real-world traction.

XRP and XLM remain important parts of the payment infrastructure within the crypto market. XRP’s ETF growth and XLM’s role in cross-border transfers mean both can still benefit if regulation softens and global adoption accelerates. They continue to matter for institutional players, especially those who prefer established networks.

Remittix, though, speaks more directly to where many see the next wave of growth. A live App Store wallet, a clear focus on crypto-to-fiat flows, strong security credentials, and a product-driven roadmap make RTX stand out among payment tokens. For investors scanning the landscape for the best crypto to buy now with real-world utility, Remittix currently offers one of the clearest narratives heading into 2026. 

Discover the future of PayFi with Remittix by checking out their project here:

Website:https://remittix.io/   

Socials:https://linktr.ee/remittix   

$250,000 Giveaway:https://gleam.io/competitions/nz84L-250000-remittix-giveaway

FAQs

1. Why are investors calling Remittix the best crypto to buy now?

Investors are calling Remittix the best crypto to buy now because it offers a combination of real-world payment utility, strong audits, a live wallet and a history of impressive performance. Also, the team is planning several other major expansions for 2026.

2. What makes Remittix different from other payment tokens?

Remittix combines a live mobile wallet, planned crypto-to-fiat rails, and integrations for merchants with strong security practices. A CertiK audit, Skynet number one ranking, KYC verified team and confirmed listings on crypto exchanges give it a more complete profile than many purely speculative payment tokens.

3. How should investors compare payment tokens like XRP, XLM and Remittix?

A simple framework is to look at three things: current use, product progress, and security. XRP and XLM offer long operating histories and strong ties to traditional finance. Remittix brings fresh momentum in PayFi, a live wallet, planned fiat rails and strong audit credentials. Balancing these factors helps investors decide whether they want established payment rails, next-generation mobile utility, or a mix of both in their portfolio.