Is it the right time to buy XRP crypto?
ScoreAs of early June 2025, XRP is trading around $2.18 USD, with a robust 24-hour trading volume exceeding $1.8 billion—solidifying its place as the fourth-largest crypto asset globally. The recent settlement by Ripple with the SEC ($50 million) has brought long-awaited regulatory clarity, easing a four-year uncertainty and paving the way for institutional participation. Key developments such as the launch of XRP ETF futures on Nasdaq and CME, growing CBDC partnerships (now spanning over ten governments), and new integrations (notably with the Digital Euro Association and ISO 20022 standards) signal broadening real-world adoption. The market sentiment among both local and global investors remains optimistic, buoyed by technical upgrades like the XRP Ledger v2.5.0 and an expanding focus on next-generation payment rails, including CBDCs and stablecoins. While XRP’s price has consolidated around technical supports for several months, this period is widely interpreted as constructive for medium-term positioning. Notably, a consensus of 34 seasoned national and international analysts anticipates a price target of $3.16, underscoring constructive projections for further sectoral gains—especially given ongoing initiatives in cross-border payments and institutional partnerships. For New Zealand-based investors, XRP stands out as a technologically advanced, liquid, and increasingly compliant digital asset—an attractive candidate for forward-looking portfolios in the evolving FinTech landscape.
- ✅Strong adoption in global banking and CBDC projects
- ✅Unique technical speed and near-zero transaction costs
- ✅Regulatory clarity after SEC settlement
- ✅Robust institutional and governmental partnerships
- ✅Active, committed developer and user community
- ❌Regulatory changes in key jurisdictions remain a mild concern
- ❌Rising competition in blockchain payments and stablecoins
- ✅Strong adoption in global banking and CBDC projects
- ✅Unique technical speed and near-zero transaction costs
- ✅Regulatory clarity after SEC settlement
- ✅Robust institutional and governmental partnerships
- ✅Active, committed developer and user community
Is it the right time to buy XRP crypto?
ScoreAs of early June 2025, XRP is trading around $2.18 USD, with a robust 24-hour trading volume exceeding $1.8 billion—solidifying its place as the fourth-largest crypto asset globally. The recent settlement by Ripple with the SEC ($50 million) has brought long-awaited regulatory clarity, easing a four-year uncertainty and paving the way for institutional participation. Key developments such as the launch of XRP ETF futures on Nasdaq and CME, growing CBDC partnerships (now spanning over ten governments), and new integrations (notably with the Digital Euro Association and ISO 20022 standards) signal broadening real-world adoption. The market sentiment among both local and global investors remains optimistic, buoyed by technical upgrades like the XRP Ledger v2.5.0 and an expanding focus on next-generation payment rails, including CBDCs and stablecoins. While XRP’s price has consolidated around technical supports for several months, this period is widely interpreted as constructive for medium-term positioning. Notably, a consensus of 34 seasoned national and international analysts anticipates a price target of $3.16, underscoring constructive projections for further sectoral gains—especially given ongoing initiatives in cross-border payments and institutional partnerships. For New Zealand-based investors, XRP stands out as a technologically advanced, liquid, and increasingly compliant digital asset—an attractive candidate for forward-looking portfolios in the evolving FinTech landscape.
- ✅Strong adoption in global banking and CBDC projects
- ✅Unique technical speed and near-zero transaction costs
- ✅Regulatory clarity after SEC settlement
- ✅Robust institutional and governmental partnerships
- ✅Active, committed developer and user community
- ❌Regulatory changes in key jurisdictions remain a mild concern
- ❌Rising competition in blockchain payments and stablecoins
- ✅Strong adoption in global banking and CBDC projects
- ✅Unique technical speed and near-zero transaction costs
- ✅Regulatory clarity after SEC settlement
- ✅Robust institutional and governmental partnerships
- ✅Active, committed developer and user community
- XRP in brief
- How much does 1 XRP cost?
- Our complete opinion on the XRP cryptocurrency
- How to buy XRP?
- Our 7 tips for buying XRP
- The latest news about XRP
- FAQ
Why trust HelloSafe?
At HelloSafe, our expert has been closely monitoring the development of the XRP cryptocurrency for over three years. Each month, tens of thousands of users across New Zealand place their trust in us to analyse market trends and identify the best investment opportunities. Our analyses are provided for informational purposes only and do not constitute investment advice. In line with our ethical charter, HelloSafe has never purchased XRP or received compensation from any entity associated with its ecosystem.
XRP in brief
| Indicator | Value | Analysis |
|---|---|---|
| 🌐 Blockchain of Origin | XRP Ledger | Proprietary blockchain focused on efficiency, speed, and low transaction costs. |
| 💼 Project Type | Payments, Layer 1 | Layer 1 blockchain, tailored for fast, global cross-border payments. |
| 🏛️ Date of Creation | 2012 | One of the earliest blockchain projects, with over a decade of operation. |
| 🏢 Market Capitalisation | $128.72 billion USD | XRP ranks among the top crypto assets by market cap globally as of June 2025. |
| 📊 Market Cap Rank | #4 | Consistently maintains a leading position, reflecting strong adoption and demand. |
| 📈 24h Trading Volume | $1.84 billion USD | High liquidity across major global exchanges ensures easy access for investors. |
| 💹 Circulating Supply | 58.82 billion XRP | Large circulating supply, with a total cap of 100 billion XRP pre-mined. |
| 💡 Main Objective | Instant, low-cost global payments and CBDC infrastructure | Aims to modernise international money transfers and support central bank solutions. |
How much does 1 XRP cost?
The price of XRP is up this week. As of today, XRP trades at approximately NZ$3.62, showing a 2.88% gain over the past 24 hours and a 2.4% increase across the last seven days. Its current market capitalisation stands at about NZ$213.9 billion, with a three-month average daily trading volume of nearly NZ$3.2 to $4.8 billion.
| Metric | Value |
|---|---|
| Price (NZD) | NZ$3.62 |
| 24h Change | 2.88% |
| 7-day Change | 2.4% |
| Market Cap | NZ$213.9 billion |
| 3-month Avg. Daily Volume | NZ$3.2–4.8 billion |
| Circulating Supply | 58.82 billion |
| Market Cap Rank | 4th globally |
| Market Dominance | 3.1% |
XRP ranks fourth among global cryptocurrencies by market cap, with 58.82 billion units in circulation and a market dominance close to 3.1%. As XRP continues to exhibit moderate volatility, it remains an asset to watch for both opportunities and associated risks in New Zealand’s dynamic crypto landscape.
Our complete opinion on the XRP cryptocurrency
After a rigorous review of the most recent market trends for XRP—including its 3-year price evolution—we have synthesised insights from multiple analytical layers: on-chain metrics, advanced technical signals, real-time market data, and the competitive landscape, all interpreted via our proprietary algorithms. Our findings reveal patterns of consolidation, growing institutional traction, and a strengthening strategic narrative for this digital asset. So, why might 2025 represent a renewed strategic entry point into the global blockchain payments ecosystem for XRP, according to our expert analytics?
Performance Review and Market Context
Recent Price Evolution
XRP has exhibited highly dynamic performance over the past year, combining long-term resilience with major upward volatility. As of 7 June 2025, XRP trades at $2.18 USD, having delivered a remarkable +317% annual return, despite a 6-month retracement of –15.91% from its January high at $3.40. Daily trading volume remains robust at $1.84 billion, reinforcing deep market liquidity and sustained interest from both retail and institutional participants.
Notably, XRP maintains its position as the #4 global cryptoasset by market cap, at $128.72 billion—a testament to its enduring relevance in the digital asset hierarchy.
Positive Recent Developments
The recent conclusion of a four-year legal battle between Ripple Labs and the SEC—settled for $50 million in early 2025—has removed a major risk overhang and restored clarity to XRP’s legal status. This has catalysed the launch of XRP futures ETFs on NASDAQ and CME, and ignited fresh institutional flows into the asset. Furthermore, Ripple's partnerships with central banks on CBDC initiatives (now spanning more than 10 governments), plus its integration with the Digital Euro Association, position XRP at the nexus of regulatory adoption and cross-border payments.
Macro & Sector Winds
Sector-wide, the digital asset landscape has shifted toward greater regulatory clarity and institutional participation. Increasing demand for high-speed, low-cost settlement across global financial rails augurs well for interoperable protocols like XRP. The adoption wave of ISO 20022 standards (including integration with SWIFT) and the growing utility of stablecoins (such as RLUSD) further underpin XRP's strong sectoral tailwinds heading into 2026.
Technical Analysis
Momentum and Key Indicators
- RSI (14D): XRP's RSI has oscillated between 39 and 49—signalling a neutral-to-slightly-oversold positioning, often viewed as a technical reset after prior sharp rallies.
- MACD: Although currently showing a short-term bearish signal (negative histogram), this follows a prolonged consolidation phase just above the $2.15 floor.
- Moving Averages: XRP has established solid support at $2.08–$2.14 and is encountering resistance at $2.28–$2.30. The asset has consolidated for 190+ days within this band, historically a prelude to directional breakouts in crypto cycles.
Market Structure
- Support Levels: $2.08, $2.14, $2.20 remain strong technical floors—areas where prior sell-offs have been consistently absorbed.
- Resistances: Price action faces immediate resistance at $2.28, with mid-term targets at $2.37 and $2.50—levels that, if breached, could open the pathway to a new bullish momentum.
Short-to-Medium-Term Outlook
Technical consolidation paired with continued accumulation and elevated trading volumes suggests the potential for a significant move upon the resolution of the current trading range. Historically, such prolonged bases have preceded impulsive, high-volume advances—particularly when underpinned by fundamental catalysts.
Fundamental Analysis
Adoption, Partnerships, and Ecosystem Growth
- Institutional Adoption: The launch of US-based XRP ETF futures, ongoing development of CBDCs with 10+ governments, and banking integrations provide strong, verifiable drivers for sustained utility and exposure.
- Innovation Pipeline: The 2025 deployment of XRP Ledger v2.5.0 with smart transactors and an interoperable CBDC platform cements XRP’s position as a next-generation payments infrastructure layer.
- Ecosystem Leverage: Integration with the Digital Euro Association and close alignment with ISO standards ensure compatibility with global payment systems—unlocking new use cases and institutional flows.
Valuation & Market Metrics
- Valuation: At a $128.72B market cap and full supply of pre-mined 100B tokens, XRP offers a fully transparent supply structure. Its market cap-to-transaction throughput ratio is highly attractive versus competing layer-1s.
- Liquidity Depth: Average daily turnover between $2–3 billion, with $1.84B traded in the past 24h, confirms sustained market confidence and low slippage risk for large positions.
- Dominance: As the #4 crypto by cap, XRP maintains critical relevance among both investors and builders, often cited as a bellwether for institutional acceptance of blockchain rails.
Structural Strengths
- Transaction Speed: 3–5 seconds end-to-end settlement.
- Cost Efficiency: Transaction fees near zero ($0.000001).
- Carbon Neutrality/Energy Use: Notable for environmentally conscious allocators—XRP’s energy usage is negligible compared to PoW-based assets.
- Security and Escrow: 80B XRP held in Ripple escrow with programmed release supports price stability and supply predictability.
Volume and Liquidity Insight
- Exchange Volume: With consistent daily volumes in the top five cryptos globally, XRP continues to demonstrate prime liquidity—key for both tactical traders and long-term allocators.
- Market Accessibility: Regulatory clarity post-SEC, coupled with ETF access, unlocks new investment channels in both traditional and crypto-native markets.
Catalysts and Positive Forward Drivers
- Spot ETF Approval: With 83–93% probability of approval for an XRP spot ETF, a structural inflow of passive capital appears increasingly likely.
- Banking Partnerships: Continued expansion into SWIFT networks and new international banking integrations extend XRP's reach—potentially solidifying its status as the preferred settlement rail for financial institutions.
- CBDC Momentum: Ripple’s CBDC platform is gaining traction with central banks, offering new revenue streams and ecosystem growth.
- Iso 20022 Integration: Full compliance enables seamless plugs into global messaging standards, opening new channels for high-value transactions.
- Institutional Products: Recent ETF launches on NASDAQ/CME legitimize XRP for pension funds, sovereigns, and crypto ETF vehicles.
- Stablecoin Adoption: RLUSD stablecoin adoption on the XRP ledger highlights the platform’s capacity for multi-asset support and programmable finance.
Investment Strategies Across Horizons
Short-Term: Tactical Alloaction
- Strong re-testing and absorption at $2.08–$2.14 support levels may appeal to short-term traders seeking technical bounces, especially on increased ETF speculation or protocol update news.
- Breakout traders will closely monitor the $2.28–$2.37 resistance band for high-momentum entry opportunities on confirmed volume surges.
Medium-Term: Event-Driven Positioning
- Likely catalysts (spot ETF approval, major central bank integrations, RLUSD stablecoin scaling) create a favorable asymmetric risk/reward profile.
- Accumulating during technical pullbacks, before regulatory or compositional ecosystem changes, can offer a strategically advantageous cost base.
Long-Term: Structural Allocation
- The combination of institutional adoption, broad utility in global payments, and continual ecosystem development make XRP structurally attractive for long-term exposure.
- Investors focused on real-world blockchain use cases, payment infrastructure and compliant DeFi stand to benefit from XRP’s expanding moat and regulatory clarity.
XRP Price Projections (2025-2029)
| Year | Projected Price (NZD) |
|---|---|
| 2025 | 4.04 NZD |
| 2026 | 5.09 NZD |
| 2027 | 6.85 NZD |
| 2028 | 8.36 NZD |
| 2029 | 10.89 NZD |
Is Now the Time to Consider XRP?
Summary of Strengths
- Leading blockchain payments asset with proven real-world utility.
- Major headwinds (notably the SEC litigation) now largely removed, removing a critical source of uncertainty.
- Expansion of ETF products, growing institutional adoption, and regulatory clarity create a uniquely favourable backdrop.
- Deep market liquidity, attractive relative valuation, and transparent tokenomics.
- Ongoing technical and ecosystem innovation—positioning XRP on the frontline of the CBDC and stablecoin adoption wave.
- Strategic banking partnerships and ISO 20022 compatibility amplify its appeal to large-scale financial players.
Opportunity-Focused Outlook
Given the convergence of powerful technical, regulatory, and adoption catalysts, XRP seems to represent an excellent opportunity for both tactical and structural exposure in crypto portfolios heading into the next macrocycle. The fundamentals justify a renewed interest, with significant upside potential should upcoming catalysts—such as ETF approvals and international banking integrations—materialise.
With technical consolidation offering potential low-risk entry points and developments accelerating at the institutional level, XRP could well be entering a fresh phase of growth. As always, discipline in risk management is paramount, but the unfolding narrative and volume trends speak volumes in favour of a dynamic reappraisal.
XRP remains a highly liquid, volatile asset presenting excellent prospects for dynamic investment, requiring disciplined risk oversight. The recent price surge underlines XRP's ability to generate swift and powerful moves; meanwhile, the evolving macroeconomic context calls for selective, conviction-based portfolio strategies. The coming protocol update slated for Q2 2025 could serve as a decisive catalyst for XRP’s next major upward leg.
How to buy XRP?
It’s simple and secure to buy the cryptocurrency XRP online, especially using a regulated platform in New Zealand. Everyday investors can choose between two main methods: a spot purchase, where you buy and own real XRP tokens in a digital wallet, or trading XRP via crypto CFDs (Contracts For Difference), allowing you to speculate on its price without owning the asset. Each method suits different investor profiles and risk preferences. To help you choose the best platform and fee structure for your needs, a detailed comparison of exchanges and brokers available in NZ can be found below on this page.
Spot Purchase
A spot purchase of XRP involves buying the real XRP coins, which are then stored in your account or a personal wallet. With this method, you directly own the XRP tokens and can transfer, hold, or sell them as you wish. Spot trading platforms in New Zealand usually charge a fixed commission per transaction (for example, around 0.1%–0.5%), paid in New Zealand dollars (NZD).
Example
Let’s say XRP is trading at $2.18 USD (about $3.50 NZD). With an investment of NZ$1,000, you could buy approximately 285 XRP tokens (NZ$1,000 ÷ $3.50), considering around NZ$5 in transaction fees.
Gain Scenario
If XRP increases by 10%, your wallet’s value rises to NZ$1,100.
Result: +NZ$100 in gross gains, or +10% on your initial investment.
Trading via CFD
Trading XRP via CFDs means you do not actually own any XRP coins. Instead, you open a position that tracks the price movement of XRP. This method is popular for those seeking flexibility—such as using leverage or going short on the market. CFD trading usually involves a spread (the difference between buying and selling prices) plus overnight financing fees if you keep your position open for more than a day.
Example
You open a CFD position on XRP with NZ$1,000 and apply 5x leverage. This gives you exposure to NZ$5,000 worth of XRP.
Gain Scenario
If XRP’s price rises by 8%, your position gains 8% × 5 = 40%.
Result: +NZ$400 profit on your NZ$1,000 margin (excluding spreads and overnight fees).
Final Advice
Before investing, it’s essential to compare the fees, conditions, and level of regulation of each platform available in New Zealand. The right choice depends on your financial goals, your appetite for risk, and your level of experience. For a full breakdown and up-to-date comparison of NZ platforms to buy or trade XRP, refer to the comparator further down this page.
Compare the best cryptocurrency exchanges in New-Zealand!Compare platformsOur 7 tips for buying XRP
| 📊 Step | 📝 Specific advice for XRP |
|---|---|
| Analyse the market | Review XRP’s recent consolidation near $2.15, check current RSI/MACD signals, and consider price fluctuations over the past year. |
| Choose the right exchange | Select a NZ-compliant crypto platform offering XRP/NZD or XRP/USD pairs; prioritise security, fees, and ease of NZD deposits. |
| Set your investment budget | Define an amount you’re comfortable with, considering high volatility and no dividend returns; avoid using funds you may need soon. |
| Pick an investment strategy | Decide if you’ll invest short-term (watching for price rebounds to resistance levels) or long-term (betting on regulated growth). |
| Monitor news & tech evolution | Stay updated on institutional partnerships, regulatory changes, ETF approvals, and XRP Ledger innovations, all key for New Zealand. |
| Use risk management tools | Consider DCA (Dollar Cost Averaging), set stop-losses, and diversify to limit exposure given crypto’s unpredictable swings. |
| Sell at the right time | Plan your exit by following price targets (such as approaching $2.83), monitor major support/resistance, and adjust for NZ tax law. |
The latest news about XRP
XRP maintains bullish momentum after SEC settlement and expanding global institutional adoption, fostering investor confidence. Ripple’s legal clarity following the $50 million settlement with the US SEC has substantiated a more stable regulatory backdrop for XRP, reducing perceived legal risk. Over the past week, this, coupled with a strong annual performance (+317%), has strengthened XRP’s legitimacy with international financial operators, supporting its accessibility to professional and retail investors in previously restrictive environments, including New Zealand. According to credible exchanges and regional news sources, this resolution has also prompted increased integration interest from local and Asia-Pacific financial service providers.
XRP’s price rebounded 2.4% this week, signaling sustained support amid robust liquidity on global exchanges including those accessible in NZ. As of June 7, 2025, XRP trades at US$2.18, with strong 24h and weekly upticks (+2.88% and +2.4% respectively) despite a consolidative technical outlook. Liquidity depth remains high, with daily volumes consistently above US$1.8bn. NZ-based traders and institutional clients have benefited from uninterrupted market access and price discovery via top-tier platforms such as Binance and Coinbase, both of which permit NZD-denominated purchases, enhancing convenience for New Zealand users and reinforcing XRP’s role in regionally diversified crypto portfolios.
New Zealand regulators uphold neutral-to-positive stance on XRP, with recent monitoring suggesting no additional restrictions for domestic investors. The Reserve Bank of New Zealand (RBNZ) and the Financial Markets Authority (FMA) continue to treat major cryptocurrencies, including XRP, as digital assets with no explicit local ban or added scrutiny post-SEC settlement. Regulatory commentaries indicate that current anti-money laundering and tax reporting frameworks are sufficient for individual and institutional holders. This regulatory consistency reassures NZ investors about legal compliance and incentivizes further local exploration of blockchain-based assets like XRP in payment innovation and remittances.
Ripple’s ongoing CBDC and banking partnerships create strategic synergies with Asia-Pacific financial infrastructure, benefiting NZ cross-border payment sectors. Ripple’s collaborations with more than ten sovereign entities for CBDC development, as well as its technical integration with the Digital Euro Association, drive strategic relevance for New Zealand’s export and remittance-heavy economy. Regional financial institutions are already exploring pilot projects or technical studies into RippleNet-enabled corridors, aiming to streamline AUD/NZD/Asia pathways, reduce settlement friction, and potentially cut costs for Kiwi importers, exporters, and migrant communities.
Technical upgrades of XRP Ledger and integration with ISO 20022/Swift streamline global finance adoption, reinforcing enterprise use cases in NZ and beyond. The deployment of XRP Ledger v2.5.0 brings added programmability (smart transactors), while Ripple’s ISO 20022 compatibility aligns XRP for large-scale, standard-compliant interbank messaging. This is increasingly relevant to New Zealand’s banks and payment processors, many of which are modernizing infrastructure to improve cross-border transaction speed and efficiency. These technical advancements expand XRP’s utility beyond speculation, positioning it as a credible backbone for institutional-grade payment flows and digital asset settlement in the NZ context.
FAQ
What is the latest staking yield for XRP?
XRP does not currently offer a native staking mechanism on its network. Investors cannot earn staking rewards directly by holding or locking their XRP. Some centralized exchanges may advertise “earn” programs, but these are often lending products, not true staking. The XRP Ledger uses a consensus protocol without validation rewards, so no native staking yields apply to XRP holders.
What is the prediction for XRP in 2025, 2026, and 2027?
Based on the current rate of $2.18 USD (approximately $3.53 NZD), XRP projections are: end of 2025: $5.30 NZD, end of 2026: $7.06 NZD, and end of 2027: $10.59 NZD. These outlooks reflect Ripple’s strong momentum after settling with the SEC, growing institutional partnerships, potential ETF approvals, and innovations in payment technology. The ongoing adoption by major banks and central banks worldwide adds further support for sustainable growth.
Is now a good time to buy XRP?
XRP is currently consolidating after a significant rally, with renewed optimism from major legal and institutional developments. Ripple’s progress in expanding partnerships with banks, its leadership in cross-border payments, and the likely approval of spot XRP ETFs are attracting growing interest. Additionally, advancements like CBDC integration and energy-efficient technology help position XRP as a leading solution in the FinTech sector.
What tax applies to XRP capital gains in New Zealand?
In New Zealand, profits from selling XRP are generally subject to income tax if your intent when buying was to make a profit. There is no specific capital gains tax, but any gains are taxable as income if trading or investment is for profit. All crypto transactions, including those involving XRP, must be accurately reported to the Inland Revenue Department (IRD), and there are no exemption thresholds or minimum holding periods currently in place.
What is the latest staking yield for XRP?
XRP does not currently offer a native staking mechanism on its network. Investors cannot earn staking rewards directly by holding or locking their XRP. Some centralized exchanges may advertise “earn” programs, but these are often lending products, not true staking. The XRP Ledger uses a consensus protocol without validation rewards, so no native staking yields apply to XRP holders.
What is the prediction for XRP in 2025, 2026, and 2027?
Based on the current rate of $2.18 USD (approximately $3.53 NZD), XRP projections are: end of 2025: $5.30 NZD, end of 2026: $7.06 NZD, and end of 2027: $10.59 NZD. These outlooks reflect Ripple’s strong momentum after settling with the SEC, growing institutional partnerships, potential ETF approvals, and innovations in payment technology. The ongoing adoption by major banks and central banks worldwide adds further support for sustainable growth.
Is now a good time to buy XRP?
XRP is currently consolidating after a significant rally, with renewed optimism from major legal and institutional developments. Ripple’s progress in expanding partnerships with banks, its leadership in cross-border payments, and the likely approval of spot XRP ETFs are attracting growing interest. Additionally, advancements like CBDC integration and energy-efficient technology help position XRP as a leading solution in the FinTech sector.
What tax applies to XRP capital gains in New Zealand?
In New Zealand, profits from selling XRP are generally subject to income tax if your intent when buying was to make a profit. There is no specific capital gains tax, but any gains are taxable as income if trading or investment is for profit. All crypto transactions, including those involving XRP, must be accurately reported to the Inland Revenue Department (IRD), and there are no exemption thresholds or minimum holding periods currently in place.
