In the past week, the cryptocurrency market has witnessed an impressive surge of XRP – the native token of Ripple. The value of this coin has increased nearly 30% in just one week, over 60% in a month, and about 500% over the past 12 months. Notably, XRP has just surpassed the 3 USD threshold, setting a new all-time high, attracting strong attention from the global investment community. But is XRP still an attractive investment opportunity? And if so, what price is reasonable to 'buy in'? The answer depends on each investor's risk tolerance and long-term vision.

Why is XRP Rising Strongly?

✅ 1. Removing legal barriers

One of the biggest drivers for this bull run of XRP is the landmark legal victory. After nearly 5 years of disputes, Ripple has settled the lawsuit with the U.S. Securities and Exchange Commission (SEC) with a fine of 50 million USD – a relatively small figure compared to the scale of the project.

Escaping legal shadows helps Ripple expand partnerships, attract institutional investors, and significantly improve its image in the eyes of the global financial market.

✅ 2. Acceptance from traditional finance sector

Although Ripple has struggled to approach major banks, recent signals indicate that many banks in emerging markets have begun using Ripple's technology in cross-border remittance operations.

Partners include:

  • Travelex Bank (Brazil)

  • Axis Bank (India)

  • UnionBank (Philippines)

  • ChinaBank

  • Qatar National Bank

The partnership with local banks helps Ripple 'step foot' into the over 200 trillion USD cross-border transaction market – one of the most potential markets on the planet. It is expected that by 2030, this figure could rise to nearly 300 trillion USD.

XRP Below 10 USD: Still a Buying Opportunity?

Many experts believe that XRP remains an attractive option below the 10 USD threshold. If it reaches this level, XRP will have a market cap of about 600 billion USD – a valuation that could be acceptable if Ripple captures just 1% of the market share from global payment systems like SWIFT.

For example:

  • SWIFT processes over 5 trillion USD daily.

  • If Ripple only processes 1% of that (~18 trillion USD/year), the market cap of XRP could far exceed 10 USD.

Things Investors Need to Note

Despite the enormous potential, XRP remains a highly speculative asset. Below are the risks to consider:

  • The global payment system is very conservative: Major banks are often not easy to adopt new technologies, even when they are significantly more effective.

  • Intense competition: Ripple faces formidable competitors like Visa B2B Connect, JPMorgan Onyx, and domestic payment systems in each country.

  • Unable to clearly value: XRP does not have stable cash flows or profits like a traditional company, making 'reasonable' valuation very challenging.

Advice for Investors

✅ If you are a bold growth investor, willing to accept high risks and seeking enormous long-term profit potential, then XRP is still a worthy consideration while the price is below 10 USD.

⚠️ However, if you are a cautious investor, prioritizing safety and stability, you should consider allocating capital into less volatile assets.

Conclusion

Ripple and the XRP token have an opportunity to rise strongly in the context of a bright legal outlook and increasing acceptance from the financial sector. However, investors need to be cautious before 'placing big bets.' The explosion can bring enormous profits, but it also comes with significant capital loss risks.