XRP has recorded an increase of nearly 700% over 3 years, far exceeding the S&P 500 (+51%) and becoming one of the strongest-growing digital assets. The momentum comes from three main factors:
Political impact: Expectations of Trump’s re-election, meaning SEC Chairman Gary Gensler would leave office, paving the way for the end of the lawsuit between the SEC and Ripple.
ETF expectations: If the Spot XRP ETF is approved, capital flows could pour into XRP as it did with Bitcoin.
Real-world application: RippleNet is being used by over 300 organizations for cross-border payments. XRP Ledger allows for fast transactions (3–5 seconds) and extremely low costs.
However, the price increase outlook comes with significant risks:
Not all organizations on RippleNet use XRP, which may inflate market demand.
Intense competition in cross-border payments, with many new blockchains being faster and cheaper.
XRP heavily relies on Ripple, rather than having independent value.
Risk assets are generally at high valuations, while the stock market shows signs of overheating.
Conclusion:
XRP is an asset with continued growth potential, but the current valuation may have reflected too many expectations. Investors need to approach with a clear risk control strategy and be prepared for the possibility of a deep correction when the market reverses.