Despite multiple market corrections, XRP has maintained its position above the psychologically significant $1.00 level, with several analysts asserting that the digital asset remains undervalued. Recently, XRP surged by 8%, trading at $1.43 at the time of writing, recovering from a major dip earlier in the week. As momentum builds behind this rebound, prominent market commentators like the well-known analyst “Pharaoh” are urging investors not to overlook the growing potential of XRP.
Pharaoh recently stated that purchasing XRP at $1.40 is still a smart move, emphasizing that market participants will eventually recognize both the long-term value and upward price trajectory of the cryptocurrency. He believes every $100 invested in XRP today could significantly appreciate in value over time. His advice? Focus less on short-term volatility and more on the broader historical context and ongoing developments shaping XRP’s future.
👉 Discover why experts believe now is the perfect time to get involved with next-gen digital assets.
Historical Performance of XRP Investments
Looking back at XRP’s performance reveals a complex but ultimately promising picture for long-term investors. Those who invested in XRP in November 2023 have already seen a return on investment (ROI) exceeding 134%, with most of those gains realized during the bullish surge in late 2024.
However, it's important to acknowledge that not all investors are currently in the green. For example, individuals who bought XRP during its peak in 2021 are still sitting on unrealized losses, as the asset has yet to reclaim its all-time high. In fact, those who purchased seven years ago are currently facing a 62% decline from their original investment value.
Yet, when viewed through a decade-long lens, early adopters who bought XRP near its historical lows are now enjoying an astonishing +51,003% return. This dramatic contrast underscores a key truth in crypto investing: timing and perspective matter immensely.
While XRP’s underperformance in recent years has weighed on many portfolios, analysts argue that the narrative is shifting. The combination of regulatory clarity, technological innovation within the XRP Ledger, and growing real-world adoption suggests that today’s investment could be tomorrow’s breakthrough.
Why Experts Believe XRP Was “Chosen” Early
One of the most compelling arguments in favor of XRP comes from Vandell Aljarrah, co-founder of Black Swan Capitalist. In a recent commentary, Aljarrah noted that he and other forward-thinking investors have been discussing the potential of XRP and Stellar (XLM) for years. What fascinates him now is how mainstream analysts and influencers are only recently beginning to recognize what early believers saw long ago.
“The evolution of sentiment is fascinating,” Aljarrah observed. He went on to make a bold claim: both XRP and XLM were “chosen long ago” as foundational assets for the future of finance. According to him, these networks offer scalable, energy-efficient solutions for cross-border payments and decentralized finance (DeFi), making them uniquely positioned for institutional integration.
This idea—that certain blockchain projects were quietly selected for long-term success based on technical merit and use case relevance—resonates with many in the crypto community. It suggests that market recognition often lags behind actual utility and development progress.
👉 See how early insights into digital assets can lead to smarter investment decisions today.
Addressing Skepticism: What If They Don’t Succeed?
Of course, not everyone shares this optimism. Community member Spencer raised a valid counterpoint: if XRP and XLM fail to deliver strong future performance, would they still receive such enthusiastic support? He questions whether investor sentiment would remain positive if both assets continued their historical underperformance.
It’s a fair concern. After all, markets tend to reward success and punish stagnation. But proponents argue that past performance doesn’t define future outcomes—especially in rapidly evolving sectors like blockchain technology. Unlike traditional markets, crypto assets often experience delayed recognition due to regulatory uncertainty and slow enterprise adoption cycles.
Now, with Ripple (the company behind XRP) making strides in global payment partnerships and central bank collaborations, many believe the tide is turning. Real-world use cases—such as remittances, micropayments, and CBDC infrastructure—are beginning to leverage the XRP Ledger’s speed and low cost.
Key Factors Driving Renewed Confidence in XRP
Several interconnected factors are fueling renewed interest in XRP:
- Improved Regulatory Clarity: The ongoing legal battle between Ripple and the SEC has brought unprecedented attention to digital asset classification. While challenges remain, partial rulings in Ripple’s favor have strengthened confidence that XRP may be classified as a non-security.
- Technological Advancements: The XRP Ledger continues to evolve with upgrades focused on scalability, smart contract functionality (via sidechains), and EVM compatibility. These improvements make it more attractive for developers and enterprises alike.
- Growing Institutional Adoption: Financial institutions and payment providers are increasingly exploring or deploying solutions built on the XRP Ledger. Use cases span international remittances, liquidity management, and tokenized assets.
- Strong Community and Developer Support: Despite market downturns, the XRP community has remained resilient. Developer activity and open-source contributions to the ecosystem have remained steady, signaling long-term commitment.
Frequently Asked Questions (FAQ)
Q: Is XRP still a good buy at $1.40?
A: Many analysts believe so. Given its current utility, regulatory progress, and historical growth patterns, $1.40 may represent a favorable entry point before broader market recognition drives prices higher.
Q: Can XRP reach $10 or more in the future?
A: While price predictions vary widely, reaching $10 would require massive adoption, regulatory resolution, and sustained demand. Some long-term bulls see this as possible over a multi-year horizon if key catalysts align.
Q: How does XRP compare to other payment-focused cryptocurrencies?
A: XRP stands out due to its extremely fast transaction speed (3-5 seconds), minimal fees (less than $0.01), and proven integration with financial institutions—giving it an edge over many competitors.
Q: What risks should I consider before investing in XRP?
A: Regulatory uncertainty remains the biggest risk. Additionally, competition from other blockchains and macroeconomic conditions can impact price volatility.
Q: Is the XRP Ledger different from the XRP token?
A: Yes. The XRP Ledger is an open-source blockchain network designed for fast, low-cost transactions. XRP is the native digital asset used on this network for transaction fees and liquidity.
👉 Learn how you can securely explore high-potential digital assets with advanced trading tools.
Final Thoughts: Timing Matters, But So Does Vision
While short-term price movements can be unpredictable, the underlying fundamentals of XRP suggest growing momentum. From early believers who identified its potential years ago to institutional players now integrating its technology, the ecosystem is gaining real traction.
The idea that XRP was “chosen” reflects more than just speculation—it points to deliberate recognition of its technical strengths and financial utility. Whether or not it achieves explosive growth depends on continued innovation, adoption, and favorable regulatory outcomes.
For investors willing to look beyond headlines and hype cycles, XRP offers a compelling case study in patience, research, and strategic foresight.
Core Keywords: XRP price prediction, XRP investment potential, XRP Ledger technology, Ripple vs SEC, digital asset adoption, cryptocurrency market trends