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XRP XRP

crypto

Price History

$0.175$1.13$2.08$3.04
2017-11 · DCA start$0.251

Time underwater

How far below its previous all-time high the price sat, each month. 0% means a new high.

-92.4%-61.6%-30.8%0.0%
2017-112026-08 · -66.9%

Worst drawdown: −92%, peaking Dec 2017 and bottoming Mar 2020 — 85 months below the prior high before recovering.

DCA Backtest

Invested
$10,600
Value today
$21,818
Return
+105.8%
Months invested
106

Scenarios

Inflation — the same contributions merely keeping pace with CPI would be $12,432 today, so the real (inflation-adjusted) return is +75.5%.

Lump sum instead — $10,600 all at once in Nov 2017: $42,436 (+300.3%) — lump sum came out ahead.

Worst timing — same monthly amount started at the all-time high (Jan 2025): $1,160 on $2,000 invested (-42.0%).

Backtests use monthly closing prices. Stock dividends aren’t reinvested, so long-run equity returns are understated.

If this saved you a spreadsheet — buy me a coffee.

Every start month at once

Each cell is the return-to-date of £/$/€100-a-month DCA started that month. Click a cell to load it in the backtest above. The ringed cell is the all-time-high start — the worst timing scenario.

JFMAMJJASOND
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
Legend:−50%−20%0%+50%+200%+1000%worst timing (ATH)Selected 2017-11: +105.8%

About XRP

XRP is a decentralized digital asset and the native token of the XRP Ledger, a Layer 1 blockchain designed for high-performance global payments. Its primary value proposition is offering a fast, cost-effective alternative to traditional banking systems by enabling near-instant cross-border settlements that finalize in three to five seconds. By serving as a neutral bridge asset between different fiat currencies, it helps financial institutions lower liquidity costs and eliminates the need for pre-funded accounts. (CoinGecko)

It's a cryptocurrency categorised under layer 1, with a market cap of about $86.7B.

It rates Medium-High Risk at 2.6/5, meaning real but ordinary risk — the kind most mainstream assets carry, with some factors scoring poorly.

What pushes the score up: market / volatility (3.7/5) and regulatory (3.0/5).

Scoring well: governance / team at 1.0/5.

Not yet researched: supply & concentration, smart contract / technical. These are excluded from the score rather than guessed, so the real risk may be higher than what’s shown.

Ratings summarise sourced facts against fixed rules — not investment advice, and no substitute for your own diligence.

Risk Profile

Medium-High Risk(2.6/5)73% rated

How these ratings work

Market / Volatility3.7/5 · weight 30%
  • Annualised volatility (3yr)3/594.5
  • Max drawdown from ATH5/592.4
  • Beta vs BTC3/51.0
Liquidity2.0/5 · weight 10%
  • 24h volume / market cap4/51.2
  • Top exchange % of volume1/58.9
  • Significant listings1/547.0
Supply & Concentrationunrated · weight 15%
  • Top 10 wallets % of supplynot yet researched
  • Unlocks in next 6mo, % of supplynot yet researched
  • Annual supply growth %not yet researched
Smart Contract / Technicalunrated · weight 12%
  • Audit statusnot yet researched
  • Admin key / upgradeabilitynot yet researched
  • Share of its mining algorithm (PoW)not yet researched
Custody / Bridge1.0/5 · weight 10%
  • Bridge reliance1/5no bridge dependency
Governance / Team1.0/5 · weight 10%
  • Team1/5doxxed track record
  • Largest staking operator, % of stakenot yet researched
Regulatory3.0/5 · weight 10%
  • Regulatory profile3/5significant premine centralized issuer
Systemic / Correlation3.0/5 · weight 3%
  • Correlation to BTC3/50.50

Linked Assets

Same sector, or return-correlated — worth knowing what else might move if this one does.