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SEC Updates Court on Latest Developments in Ripple Lawsuit

Lele Jima
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SEC Updates Court on Latest Developments in Ripple Lawsuit

The SEC has filed a report to the Court of Appeals for the Second Circuit, updating the court about the current status of its lawsuit against Ripple. 

It is worth mentioning that James K. Filan, a former federal prosecutor, shared the SEC’s status report. In the report, the SEC updated the Second Circuit about where things currently stand in its legal tussle with Ripple. 

Notably, the regulator notified the appellate court that they had submitted a joint motion to dismiss the SEC’s appeal and Ripple’s cross-appeal. The parties submitted the dismissal motion last week, stating that each side will cover its legal costs and fees. 

SEC’s Status Report 

The latest report is a formal update to the court, highlighting the current development of the lawsuit. For context, on April 16, 2025, the securities regulator asked the Second Circuit to pause the case for 60 days to enable it to pursue a potential resolution with Ripple. 

Consequently, the appellate court mandated the SEC to file a status report by June 16 to reveal the progress of their settlement. Part of the resolution process involves modifying the final judgment by slashing the fine from $125 million to $50 million and dismissing the injunction imposed on Ripple’s future institutional sales of XRP. 

However, U.S. District Judge Analisa Torres rejected the parties’ request to modify her judgment. Not relenting, they re-filed the motion, addressing the procedural flaws raised by Judge Torres. 

The SEC subsequently filed a status report on June 16, requesting an additional 60 days for the resolution, with an update due by August 15. 

Judge Torres once again declined to modify her final judgment but encouraged the SEC and Ripple to withdraw their appeals. They followed her advice last week and filed to dismiss the appeals. 

Current Status 

In line with the June 16 directive, the SEC notified the Second Circuit about the progress so far, confirming that they filed a joint stipulation of dismissal, which is currently pending before the court. 

The Second Circuit must approve the dismissal before the multi-year lawsuit can be formally concluded. If granted, Ripple will pay $125 million to the SEC for selling XRP to institutions without obtaining registration from the SEC. 

In addition, the permanent injunction on Ripple’s future institutional sales remains in place, requiring the company to register any such transactions should it choose to sell XRP to institutions. 

XRP Higher Highs and Lows Since June Signal Potential Run to $4.47

Elendu Benedict
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XRP Higher Highs and Lows Since June Signal Potential Run to $4.47

The recent XRP price action and a lack of resistance at the current level suggest new all-time highs could be on the horizon.

XRP joined a broader market downtrend yesterday, retracing nearly 6% from its price at the start of the day. While it remains below the crucial resistance level at $3.40, its sustained consolidation above $3 has bulls optimistic that XRP will target higher prices.

Higher Highs and Higher Lows Trend For XRP

Most recently, analyst VirtualBacon indicated that XRP has been on a classical price uptrend since April’s low of $1.61, rallying in a pattern of higher highs and higher lows. The April low marked a higher low formation, with XRP making higher highs with May’s peak of $2.64.

Another higher low followed when XRP retraced to a low of $1.90 in June. Meanwhile, XRP swung massively from the bottom to a high of $3.66 in July. The analyst identified that the August 3 low of $2.74 marked another higher low formation, and XRP now eyes another northward price action.

However, holding the recent higher low is crucial for XRP. VirtualBacon noted that XRP remains on an uptrend as long as it keeps trading above the $2.74 support area.

XRP Targets With No Resistance in Sight

Moreover, the commentator noted that XRP has broken above the 2018 all-time high, meaning it has no other resistance in sight. It bears mentioning that the real XRP all-time high has been a subject of debate, with outlets like CoinMarketCap setting its XRP all-time high at $3.84, but some markets put it at $3.31.

With that in mind, the analyst stated that there are no existing targets for XRP if it breaks out, as it has already defied all charted resistance levels. As a result, he used the Fibonacci retracement to determine the price targets for XRP’s next leg up for swing trades.

Applying the retracements, he highlighted that the levels at $3.80, $4.10, and $4.47 are the realistic swing targets for XRP. From the current price of $3.12, this marks a 21.7%, 31.4%, and 43.3% increment, respectively.

Screenshot 2025 08 15 100721
Fibonacci Levels for XRP Rally | VirtualBacon

Interestingly, the Fibonacci retracement shows XRP could go higher to $5.5, but he warned that a target above the 1.00 level for a swing trade is a bit on the high side.

Nonetheless, other analysis views the targets as conservative for XRP. For context, Tony Severino predicted a rally to $12.73 by early September. Moreover, with a possible US XRP spot ETF in view, Kenny Nguyen projects that XRP will reach between $22 and $50.

Here’s How $200 in XRP Per Month Could Make You a Million If XRP Gains Bitcoin-Like Adoption

Abdulkarim Abdulwahab
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Here’s How $200 in XRP Per Month Could Make You a Million If XRP Gains Bitcoin-Like Adoption

If XRP were to achieve the same market cap as Bitcoin today, approximately $2.33 trillion, the price per XRP would rise dramatically.

With a circulating supply of roughly 59.3 billion tokens, the projected value in this scenario would be about $39 per coin. This figure assumes the supply remains stable and XRP’s adoption reaches Bitcoin’s current global standing.

Notably, Bitcoin has been in existence for over 15 years. Since its lowest point in July 2010, its price has increased by an astonishing 241,444,480%. As of now, Bitcoin trades at around $117,451.

XRP enthusiasts envision a future where the coin achieves a similar status, rewarding today’s holders. Amid this optimism, this article explores how someone with a $200 monthly investment budget could potentially position themselves for such a windfall.

Building a 15-Year Accumulation Plan

In a simple investment model, an individual allocates $200 per month into XRP for 15 years, totaling $36,000 over 180 months. The number of XRP accumulated during this time depends heavily on the average purchase price.

For example, if the average buying price is $0.45, the investor would acquire approximately 80,000 XRP. Meanwhile, if the average is significantly higher, say $3.50, the total XRP accumulated would drop to about 10,286 tokens.

Potential Wealth Outcomes

Under the Bitcoin-like adoption scenario—where XRP reaches a $2.33 trillion market cap and a unit price of $39—cheap accumulation at $0.45 could turn the $36,000 investment into approximately $1.88 million, easily surpassing the millionaire threshold.

However, this opportunity was mainly available to those who accumulated XRP before its breakout in November 2024, when the price was still under $0.50. Since then, XRP has generally traded between the $2 and $3 range.

XRP investment outlook on $200 monthly
XRP investment outlook on $200 monthly

The above chart shows how your final portfolio value changes based on your average buy price for XRP, assuming $200/month for 15 years and Bitcoin-like adoption:

If your average buy price is $0.45, you could end with $1.88M.

If your average buy price rises above $0.96, you’d drop below the $1M threshold.

If your average buy price is around $1.5, you could make $600,000.

If the average buy price comes to $2.5, your profits could fall below $400,000.

At $3.50 average, you’d still end with $241K.

Could the XRP Investment Be Worth Even More?

It’s important to note that this scenario presents a 15-year outlook, projecting XRP to reach Bitcoin’s current valuation by 2040.

However, many analysts in the crypto community believe XRP could be worth much more by then. In fact, some, like influencer Dustin Layton, argue that XRP could even surpass the $39 mark as early as this year. 

On the other hand, a research paper by asset manager Bitwise suggests XRP could reach $30 by 2030.

Nonetheless, the overall theme is that XRP may eventually exceed the $39 benchmark sooner than 2040. For example, Telegaon forecasts XRP trading at $160 by 2040. Meanwhile, Changelly predicts an even more optimistic target of $2,053 in 15 years.

If these predictions materialize, modest investments today could yield life-changing returns. For instance, someone holding just 500 XRP, currently worth around $1,650, would become a millionaire if Changelly’s $2,053 price target for 2040 comes true.

While these projections are promising, they remain speculative. Ultimately, the analysis highlights the transformative potential of disciplined, long-term investing.

For those entering the market at lower prices, Bitcoin-level adoption for XRP could indeed mean life-changing gains.

WBT Turns Three With Steady Growth And Practical Benefits For Users

Andrew MacGill
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WBT Turns Three With Steady Growth And Practical Benefits For Users

WhiteBIT Coin (WBT), the native coin of the WhiteBIT cryptocurrency exchange, has just marked its third anniversary — and it’s doing so with results that stand out in today’s unpredictable crypto world. While many altcoins go through sharp rises and equally sharp drops, WBT has managed to keep a steady upward path since it launched in 2022.

Over the past year alone, WBT has grown by more than 300%, according to CoinGecko. The token moved from lows near $30 to highs above $50, and even after reaching that peak, it is still only about 15% lower — avoiding the deep crashes of 50% or more that often hit other cryptocurrencies after strong rallies. This stability has made WBT one of the more trusted exchange-linked assets for traders and long-term holders alike.

WhiteBit Price
WhiteBit Price

Why WBT Performs Differently

  • A big part of WBT’s success comes from the fact that it has real, built-in uses within the WhiteBIT ecosystem. Holding WBT isn’t just about hoping the price will go up — it comes with practical perks:
  • Trading fee discounts of up to 100% for makers and up to 80% for takers.
  • Access to the Launchpad, where users can vote on and invest early in new token sales.
  • Passive income through the SoulDrop program, which rewards holders with a share of network fees.
  • Extra interest on crypto lending (up to 2.36% on USDT).
  • Lower borrowing costs for margin trading, with discounts as high as 7.74%.
  • Operational benefits like free ERC-20/ETH withdrawals, free daily AML checks, and the ability to generate multiple deposit addresses for more flexibility and privacy.

Beyond the Exchange

In 2024, WhiteBIT partnered with Visa to launch the WhiteBIT Nova debit card. This product allows users to spend crypto anywhere Visa is accepted, withdraw cash from ATMs worldwide, and earn cashback in WBT or BTC. For many, this has turned WBT from an exchange token into something they can use in their everyday financial life.

How WBT Maintains Value

WBT’s price stability is supported by its deflationary tokenomics. The total supply is fixed at 400 million tokens, and every week WhiteBIT uses part of its revenue — 33% of trading fees and 5% of other income — to buy back and burn WBT. This gradually reduces the number of tokens in circulation, creating scarcity and helping support long-term value.

What This Means for Users

For traders, WBT offers a way to cut costs and access exclusive opportunities on the WhiteBIT exchange. For long-term holders, its combination of consistent growth, real-world use, and supply control makes it a rare example of a lower-risk option in the high-volatility crypto space.

What’s Next

As WBT moves into its fourth year, its strong position within the WhiteBIT ecosystem, ongoing utility upgrades, and disciplined approach to token management suggest it will remain relevant for both active traders and everyday crypto users. In a market often dominated by short-term hype, WBT’s steady track record shows that long-term strategies can pay off.

Over 6,500 Pharmacies Can Now Gain Access to XRP Payment Solution via Wellgistics Health

Abdulkarim Abdulwahab
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Over 6,500 Pharmacies Can Now Gain Access to XRP Payment Solution via Wellgistics Health

Wellgistics Health, a leader in pharmaceutical distribution and AI-powered prescription services, has launched its XRP Ledger-powered XRP Implementation Program.

This initiative brings blockchain-based payment capabilities via the XRPL to over 6,500 independent pharmacies and 200 manufacturers across the United States. The program enables pharmacies to pay for products instantly, reduce transaction fees, and bypass traditional banking and credit card networks.

The rollout, announced on August 13, integrates with RxERP, an eCommerce and ERP system. It provides real-time transaction management, onboarding, and reporting tailored to the healthcare industry. The platform ensures compliance with HIPAA and anti-money laundering regulations while offering encrypted and traceable payments.

Real Utility for XRP in Healthcare

Pro-XRP attorney Bill Morgan praised the move as “real utility and use for XRP and the XRPL”. He also shared a screenshot from Wellgistics, showing that the program is not a future concept. Instead, pharmacies are already being onboarded.

In the announcement, Wellgistics highlighted benefits such as instant settlement, 24/7 availability, and faster access to working capital. This allows pharmacies to restock inventory quickly and improve cash flow.

In addition, the system also eliminates intermediaries, enabling direct transactions between pharmacies and distributors, with real-time payment tracking and confirmation.

Next Phase: Manufacturers and Direct-to-Patient Programs

After completing the pharmacy rollout, Wellgistics plans to onboard pharmaceutical manufacturers to the XRP platform to enable direct, on-chain transactions.

The company also aims to launch Direct-to-Patient programs. Specifically, this would allow manufacturers to ship medications directly to patients’ homes in coordination with pharmacies and prescribing physicians.

In his remark, COO Tony Madsen emphasized the company’s broader vision. He explained that the initial phase will look to help make pharmacies’ payments for products more efficient. However, that’s just the beginning. 

The ultimate goal is to make every aspect of pharmacy payments faster, more transparent, and entirely frictionless.

Boost for XRP Adoption

With thousands of pharmacies already in its network, Wellgistics’ XRP Payment Program marks a major step toward mainstream blockchain adoption in the U.S. healthcare sector. It showcases XRP’s ability to deliver practical, large-scale utility beyond the crypto market.

Meanwhile, Wellgistics is not only leveraging XRP for efficient transaction processing. Back in May, it announced plans to hold XRP as a treasury asset.

Notably, Wellgistics even secured a $50 million equity line of credit to support the launch of its XRPL-powered payment initiative.

Here Are Projected Timelines for Shiba Inu to Reach $1

Lele Jima
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Here Are Projected Timelines for Shiba Inu to Reach $1

As investors await the next phase of the bull run, top entities have provided insights into when Shiba Inu might reach the audacious $1 price milestone. 

Market commentators have overlooked Shiba Inu’s recent performance and have focused on its long-term potential. This trend has birthed some ambitious targets that require the asset to rally several thousand percent from the $0.000013 region, where it currently trades. 

Required Growth for SHIB Surge to $1 

While the community is still deliberating on whether SHIB could ever clinch the $0.01 target, some entities have teased that the token could aim for higher price milestones like $1. From the current price of $0.00001357, a massive surge of 7,369,096% is required to propel Shiba Inu to the $1 mark. 

If this happens, Shiba Inu’s market cap would explode to roughly $589 trillion from the current valuation of $8 billion because SHIB’s circulating supply is 589T SHIB coins. Although achieving $1 would require massive growth, certain analysts have projected this ambitious target for SHIB. 

$1 Predictions 

Last year, major centralized exchange CoinW teased that SHIB could reach the $1 price target. The exchange issued the ambitious forecast in a poll, in which it asked its followers to vote on whether SHIB will attain $1 before Ethereum clinches $10,000 or Cardano soars to $5. 

Shiba Inu’s marketing specialist, Lucie, also sparked discussions about SHIB’s potential surge to the $1 region. The team member shared ChatGPT’s insight, which emphasized that the $1 prediction is a challenge and not a joke. 

ChatGPT suggested several factors that could propel SHIB to the $1 mark, including burning a significant portion of the supply, a strong bull run, and increased adoption of the token. Despite indicating that SHIB is more likely to achieve the $0.01 milestone, it still considers $1 an achievable target. 

In our previous analysis, we estimated that the Shiba Inu community must burn 99.91% of the token’s supply (588.5 trillion SHIB) to make the $1 target feasible at a $500 billion valuation, rather than an unrealistic $589 trillion market cap.

Earlier this year, the Crypto Basic determined that at the current burning rate, it would take 3,141 years for Shiba Inu to burn 99.9987% of its supply, reducing it to 7.77 billion tokens, and potentially pushing the price to the $1 target without growing its market cap to $589 trillion.

Here’s When SHIB Can Clinch $1 

Despite the growing confidence in the $1 prediction, many experts have refrained from specifying a timeline for when SHIB might achieve the milestone. As a result, we consulted chatbots like ChatGPT and Grok to project when the $0.01 SHIB forecast will materialize. 

ChatGPT speculated that it could take SHIB centuries before it attains $1, given its current market trends, such as low burns and slow adoption. ChatGPT suggested that if 40 billion Shiba Inu tokens are burned monthly, then SHIB might clinch $1 by the year 5166, approximately 3,141 years from now. 

However, it believes that Shiba Inu would reach $1 by 2030 if the community burns 10 trillion tokens monthly. Notably, with a monthly burn of 50 trillion, ChatGPT estimates that the $1 prediction will materialize over the next 11 months, specifically by July 2026. 

Timeline for SHIB surge to $1 ChatGPT
Timeline for SHIB surge to $1 | ChatGPT

On the contrary, xAI’s Grok speculated that the earliest feasible timeline for SHIB to reach the $1 target is by 2080-2100. 

The projection hinges on several key factors, including slashing Shiba Inu’s supply by 99.9% to 589 billion tokens, SHIB securing a 10–20% share of a $100 trillion crypto market, and the token benefiting from favorable macroeconomic conditions. 

Potential Timeline Shiba Inu could hit $1 Grok
Potential Timeline Shiba Inu could hit $1 | Grok

OKB Supply Now Capped at 21M After OKX Burns 279M Tokens Worth $26B

Elendu Benedict
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OKB Supply Now Capped at 21M After OKX Burns 279M Tokens Worth $26B

Crypto exchange OKX has permanently burned 279 million OKB worth $26 billion, drastically reducing the token’s circulating supply.

It fulfilled the planned token incineration today, on-chain data from Etherscan shows. The transaction saw it move the tokens from the OKB buyback and burn address to a null address, irreversibly removing the tokens from circulation.

OKX Burns 279M OKB Tokens

OKB Supply Drops By 93%

Notably, the burn follows an announcement on Wednesday where OKX disclosed plans to initiate the transaction. The exchange revealed it would carry out a one-time burn of 65 million OKB tokens, dropping its total supply to 21 million.

Interestingly, the 21 million total supply is a significant figure in the crypto space. It is the total supply of the world’s largest cryptocurrency, Bitcoin, which has spurred its scarcity as its demand skyrockets.

Notably, OKX funded the burns through historical repurchases and its treasury reserve. Following the burn, the OKB assumed a circulating supply of 21 million, with its market cap at $1.96 billion at the time of writing.

OKX Move to Upgrade Ecosystem

The move is part of OKX’s ploy to upgrade OKB’s tokenomics and revamp its ecosystem. Alongside the burn, OKX also announced plans to overhaul its smart contracts to prevent new token minting and manual burns.

Furthermore, the OKT token would also become extinct in the OKX ecosystem starting from January 2026. The exchange converted the OKT tokens to OKB at a rate determined by its average price between July 13 and August 12.

Meanwhile, OKX would also upgrade the X Layer, its zkEVM-based blockchain. Some of the updates include boosting throughput to 5,000 transactions per second, reducing transaction fees, and improving Ethereum compatibility to enhance developer appeal.

OKX would also add its Wallet, Exchange, and Pay platforms to the X Layer.

OKB Dumps 7% Despite Burn

Today’s burn did not prevent OKB from joining the broader market bearish trend, as it has corrected 7% in the past 24 hours. It currently trades at $93.35, with its trading volume also dropping 58% to $191 million.

Nonetheless, OKB is up 103% in the past seven days, with a considerable share of the rally coming on Wednesday after the burn announcement. On the day, the token spiked 206% from $46.55 to a high of $142.88 before closing at $105.

SEC Chair Says Agency Is Deploying “All Divisions” to Make America the Global Crypto Capital

Sam Wisdom Raphael
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SEC Chair Says Agency Is Deploying “All Divisions” to Make America the Global Crypto Capital

President Trump’s SEC Chair, Paul Atkins, has affirmed that the SEC is mobilizing all its divisions to make the U.S. the crypto capital of the world.

Since returning to the White House in January 2025, President Donald Trump has made it clear that he wants the United States to dominate the global crypto market. 

His administration has already taken major steps toward that goal by appointing crypto advocate Paul Atkins as SEC Chair, creating a national Bitcoin reserve, and reversing restrictive digital asset rules from the previous administration.

SEC Chair Atkins Affirms Mission to Make America the Global Crypto Capital

The latest step so far is “Project Crypto,” an initiative from the SEC looking to modernize digital asset regulation. This week, Atkins appeared on FOX Business’ Mornings with Maria to discuss the plan and explain how the agency will help turn Trump’s pro-crypto vision into reality.

Atkins said the push gained momentum after the President’s Working Group on digital assets released its latest report. The group, which includes the SEC, presented specific actions to make the U.S. the world’s crypto capital and ensure that global blockchain adoption relies on American innovation.

SEC Chair Atkins on FOX Business
SEC Chair Atkins on FOX Business

Importantly, the SEC Chair explained that the agency is mobilizing every division, including corporation finance and investment management, to get the job done. 

Notably, the SEC is updating regulations to include the crypto sector while working with Congress on new legislation. Atkins pointed to the recent signing of the GENIUS Act at the White House as an important milestone and noted that several other crypto-friendly bills will be back on the table once lawmakers return from recess.

Project Crypto and the SEC’s Pro-Crypto Stance

For the uninitiated, Project Crypto seeks to remove uncertainty in the digital asset sector by creating clear rules for token distribution, custody, and trading. It narrows the scope of securities laws for crypto, meaning most digital assets would no longer be treated as securities.

The plan focuses on five priorities: defining clear classifications for crypto assets, giving investors freedom to choose their custody and trading options, supporting all-in-one “super-app” trading platforms, boosting on-chain innovation and DeFi, and introducing fast-track approvals for new products. 

The SEC also plans to work with other regulators, like the CFTC, to cut overlapping rules. In addition, they seek to strengthen competition and attract crypto businesses back to U.S. soil.

Atkins confirmed that the agency will use both formal rule changes and targeted exemptions to update outdated securities laws. Specifically, the goal is to get the right balance between protecting investors and encouraging the growth of decentralized finance.

Notably, his FOX Business interview builds on a series of pro-crypto statements he’s made this year. In April, during the Crypto Custody Roundtable, Atkins criticized the old “Operation Chokepoint 2.0” approach for leaving the U.S. with too few crypto custody options. 

Meanwhile, three months back at the “SEC Speaks” event, he highlighted the importance of “super-apps” that can handle both securities and non-securities under a single license. Last month, Atkins claimed that the U.S. government has placed a stamp of approval on crypto.

Uber Drivers Know XRP Is the One, Says Analyst

Abdulkarim Abdulwahab
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Uber Drivers Know XRP Is the One, Says Analyst

Industry commentators confirm how real-life encounters suggest XRP is gaining mainstream acceptance, even among Uber drivers.

In a recent episode of the Unchained podcast featuring Haseeb Qureshi, Robert Leshner, Tarun Chitra, and Tom Schmidt, the conversation turned to identifying “mania signals” that indicate widespread adoption.

Leshner, CEO of Superstate, compared the phenomenon to the tech boom of the late 1990s, when everyone seemed to be talking about one thing.

In his own observation, Chitra, Managing Partner at Robot Ventures, noted that he had taken multiple Uber rides in which drivers were actively trading XRP. He noted that this recurring experience highlights growing urgency among everyday investors.

“Uber drivers know XRP is the one.”

XRP influencer Digital Asset Investor later amplified the comment on X, suggesting: “Uber drivers know XRP is the one.”

Attorney John Deaton also shared his own experiences with Uber drivers. He revealed that during rides across Nevada and Michigan, drivers recognized him not as a former political candidate, but as “that XRP lawyer guy.”

Deaton is well known in the XRP community for his advocacy during the now-concluded Ripple–SEC legal battle. Commenting on the tweet, attorney Bill Morgan remarked that Deaton’s efforts in the lawsuit were indeed unforgettable.

Notably, Deaton’s remarks came after Bloomberg ETF analyst James Seyffart suggested that while institutional demand for an XRP ETF may initially be modest, retail interest could be substantial.

Reacting to Deaton’s post, one crypto OG recounted how, while waiting for a flight, he struck up a conversation with a real estate developer about investments. To his surprise, the developer revealed that he had gone all-in on XRP five years ago and has been consistently accumulating ever since.

These encounters contribute to the growing narrative of mainstream interest in XRP among everyday people.

Social Experiment Challenges the Narrative

Notably, the “Uber driver” theme surrounding XRP adoption has circulated online for months. This prompted Solana proponent Jakey to test the theory by taking 25 Uber rides in Ontario, Canada, and asking each driver whether they held XRP.

Most drivers responded with confusion or admitted to not owning any crypto at all. Only one driver reported holding XRP, having bought in at $1.67 and intending to hold long-term for its utility.

Jakey concluded that XRP either hasn’t yet reached true mainstream adoption, or that early holders may have already cashed out.

However, reacting to Jakey’s findings, XRP researcher SMQKE argued that the results show how early the market still is.

With XRP currently trading at $3 and most retail investors still unaware of it, he believes institutions may be quietly accumulating while the majority of the public remains on the sidelines.

Here’s How $300 Monthly in XRP Could Grow If Price Rises 95% Per Year Until 2030

Sam Wisdom Raphael
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0
Here’s How $300 Monthly in XRP Could Grow If Price Rises 95% Per Year Until 2030

How much would you make if you invested $300 every month into XRP while the price rises 95% a year until 2030?

While XRP has grown significantly from its earliest price of around $0.005 to the current valuation, some analysts believe it still has more room for growth. Notably, during its earlier growth trajectory, investors who got in soon enough are now witnessing impressive gains on their investments.

Market Still Early?

For instance, last month, The Crypto Basic found that if an investor had purchased $100 worth of XRP every month from May 2015 to June 2025, they would have spent a total of $53,600. However, this investment would be worth about $3.588 million, enough for most individuals to retire.

While this sounds like an enticing prospect, most investors believe they missed the boat. However, several XRP community commentators have continued to suggest that the XRP market is still in its early phase, and XRP has much room for growth from here. For one, XRP community commentator Vincent Kennedy insists any individual who enters the market now is still early.

Considering this, finance expert Coach JV recently explored an investment strategy where market participants DCA into XRP or Bitcoin over the next 10 years. For context, dollar cost averaging involves committing a set amount into an investment over a period of time regardless of the price movements.

XRP Could Soar if Bitcoin Rallies Consistently 

The trick is to take advantage of the asset’s growth trajectory within this period. For instance, asset manager ARK Invest predicts a Bitcoin price of $2.4 million by 2030 for its bull case, representing a compound annual growth rate (CAGR) of 72%. In simple terms, this means BTC would grow 72% every year until 2030.

However, it is important to note that XRP, being a part of the broader crypto market, could benefit from this Bitcoin growth. In addition, XRP’s growth rate could be slightly higher due to greater volatility. For instance, while BTC has grown 30.22% this year, XRP is up by a massive 56.7%. 

So, if Bitcoin grew 72% a year, XRP could post a more substantial 95% gain within the same period. Such growth would bode well for any DCA strategy involving XRP from today. 

How $300 Monthly Could Grow if XRP Gains 95% a Year

Supposing an investor commits $300 into XRP every month from this month, August 2025, until the end of 2030, and XRP grows 95% each year, they could see impressive gains. Notably, a $300 monthly investment this year translates to a total commitment of $1,500 over the remaining five months. If XRP remains at $3.25, this would amass 461.5 XRP.

Over the next five years, a consistent investment of $300 per month would translate to $3,600 a year, and with XRP’s 95% growth each year, the amount of tokens this $3,600 would procure would keep reducing. For context, if XRP grows 95% next year, it would hit $6.33. At this price, $3,600 would amass 568 XRP tokens.

Meanwhile, a further 95% increase in 2027 would push the price to $12.35. With this price, the $3,600 would only get 291.3 XRP tokens. Notably, over time, the investor would have spent $19,500 on XRP until 2030 and amassed a total of 1,586 XRP within this period.

Interestingly, with XRP’s projected growth rate, these tokens would present impressive yields. For context, a 95% CAGR would push XRP price to $178.68 by 2030. At this price, the investor’s portfolio containing 1,586 XRP would be worth $283,386, representing gains of nearly $264,000 over five years.

However, this evaluation assumes XRP grows 95% consistently for five consecutive years. While this is possible, the probability is extremely low due to the crypto market volatility. As a result, investors should not expect to meet such returns within the period of assessment.

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