XRP-USD
XRP
Crypto
Price today
$1.14
Recent high
$3.65
-68.7% from high · cheap vs its own history
charlieapp.co
Index ETFs don't have their own calculated Value. They hold hundreds of companies — we work out whether the group is expensive or cheap versus its history.
From high
-69%
all-time high
Cycle low
$0.12
historic floor
Premium
+892%
above the low
Current cycle zone
You are 69% below the all-time high, and 892% above the low of the cycle. The signal comes from where you sit in that range.
The floor of the cycle is at $0.12; the ceiling, at $3.65. The closer to the floor, the better the spot to build in slowly.
It has no intrinsic value from fundamentals — the range comes from price highs and lows. The final call is yours; buying gradually (DCA) means a little at a time.
The business
XRP is like the digital currency exchange desk for banks.
XRP is the native currency of the XRP Ledger, a blockchain network built to move money across countries. Ripple uses it in its liquidity product (which moves money between different currencies instantly) called ODL, serving as a bridge between currencies for more than 300 financial institutions. The coin's value depends on how much demand there is for that liquidity service, not on a company's earnings.
The RippleNet network already has real use with banks, and the legal clarity that came after the trial with the SEC (the U.S. securities regulator) in August 2025 opens doors that other cryptos don't have. The XRP Ledger is fast and cheap, though SWIFT (the traditional bank-to-bank transfer network), USDC and USDT fight for the same ground with far more volume. There is adoption by institutions, yes, but it's not a monopoly.
Revenue history
Catalysts and risks
The SEC resolution in August 2025: in secondary markets it is not considered a financial security (non-security).
Its stablecoin RLUSD (pegged to the dollar) reached $1.38 billion in circulation.
Large holders accumulated more than 4.09 billion XRP in recent months.
Ripple holds more than 40 billion XRP in a locked fund (escrow), and that creates structural selling pressure every month.
The liquidity product (ODL) grows slowly; banks prefer to use dollar stablecoins instead of a volatile coin as a bridge.
USDC and USDT dominate crypto payment networks with far more liquidity.
Charlie's note
“Demand for the coin and adoption of the network are two different things, and they get mixed up often here. Ripple won in court; but winning in the payments market while competing against dollar stablecoins is a very different story.”
Analysis · May 2026
Charlie informs, it doesn't advise. No information should be taken as a recommendation to buy or sell.