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Is XRP a buy after its recent price dip? Here's what you need to know about the cryptocurrency and its upcoming coin price catalysts.
It's August 27 as I write this, and XRP (XRP 0.06%) is down 15% from July's multi-year highs today. Many of the dark clouds that weighed on XRP in recent years have gone away, but what's next for the core token of the RippleNet international payment platform?
Let's take a look.
Once upon a time, XRP (also known as Ripple) was nothing more than an international payment tool.
The RippleNet service had a global network of local bank partnerships and strict observation of border-crossing money transfer regulations. On this platform, it was easy and transparent to send money from one country to another, automatically converting between different fiat currencies. Traditional money-sending options such as the SWIFT financial messaging system and Moneygram were often slow and expensive, leaving a huge window of opportunity for RippleNet's quicker and cheaper alternative.
But Ripple and XRP faced some unique headwinds, too.
Here in the late summer of 2025, the SEC lawsuit has finally been settled and dismissed. The driving force behind most of XRP's troubles has gone away.
The official settlement didn't result in a radical XRP price surge, though. This outcome had been in the cards for a long time and largely priced into the coin already. Most of the upside arrived last November, with the presidential election results. The winning Trump team made it clear that regulators would lighten their restrictions on cryptocurrencies.
These days, RippleNet is running at full speed, and American investors are free to trade XRP seven days a week. XRP investors are looking for exchange-traded funds (ETFs) to match the existing Bitcoin and Ethereum ETFs. Even this crypto-friendly iteration of the SEC keeps kicking the deadlines for potential altcoin ETF approvals further down the road, currently centered on several XRP ETF approval reviews in October.
Meanwhile, XRP's price soared to unsustainable levels in November, and the recent 15% discount didn't exactly make it cheap. It is currently the third-largest cryptocurrency by market value, sporting a total coin value of $179 billion. As promising as the international payment market may be, XRP investors are expecting too much business, too early. If and when RippleNet grabs a big slice of the trillion-dollar global payments business, remember that low fees are a key reason why people use XRP.
I don't hate the idea of picking up a few XRP coins at these prices, just to take an active part in whatever comes next. But you should wait for a deeper price correction before building a large XRP position.
The coin has flip-flopped several times since the election boost, dipping as low as $1.79 and rising all the way to $3.56 along the way. The next visit below $2 per coin would be a better time for significant XRP investments. I'm pretty sure you'll see it happen soon enough.
Patience is a virtue, especially when you want to invest in overpriced cryptocurrencies. This just isn't the right time for loading up on XRP. Buying a future dip should serve you better.
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