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In more than a decade, XRP has never traded higher than $3.84. With the token priced around $1.40 in 2026, investors are weighing whether XRP is too risky to own—or too cheap to ignore—as blockchain-based payments become more mainstream.
Supporters point to a major shift in XRP’s outlook: the regulatory uncertainty that persisted for nearly five years has eased. Ripple, the company behind XRP, settled its case with the U.S. Securities and Exchange Commission (SEC) last year, removing a key overhang that had weighed on the token.
Current market data cited for XRP shows a price of $1.42, up 1.47% on the day. The day’s range is $1.40 to $1.42, with a 52-week range of $1.14 to $3.65. The article also lists a market cap of $88 billion and daily volume of $2 billion.
The article notes that XRP surged sharply in late 2024 and early 2025, rising by 580% over a matter of weeks. Some analysts have suggested XRP could approach $10 by 2027, which would imply nearly a 10x return from the levels discussed.
Despite the bullish narrative, the article argues that XRP’s upside may be limited by the growing adoption of stablecoins. Stablecoins are pegged 1:1 to the U.S. dollar and, according to the piece, can be more practical for cross-border payments because they trade near $1 rather than fluctuating as widely as XRP.
As evidence of this shift, the article highlights Ripple’s launch of a dollar-pegged stablecoin, Ripple USD (RLUSD), in December 2024. It states that RLUSD has reached a market cap of more than $1.5 billion in less than 18 months. While that figure is far smaller than XRP’s total market cap (about $85 billion, as cited), the article frames RLUSD’s growth as a sign that value may be moving away from XRP.
The article questions where the value from blockchain payments will ultimately accrue—toward Ripple as a company or toward XRP as a token.
It points to corporate financing and capital return activity at Ripple, including $500 million in financing that values the company at $40 billion. It also says that in March, Ripple began buying back shares at a $50 billion valuation, adding that this is comparable to Coinbase Global’s market cap of $50 billion.
Based on these developments, the article concludes that investing in a publicly traded fintech company may offer a more attractive risk-reward profile than holding XRP. It names Coinbase and Circle Internet Group as potential alternatives, while stating that XRP is “too risky” and can be avoided.
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