If you’ve got $500 to put into crypto right now, XRP (XRP-USD) deserves a serious look. It’s fast, cheap to use, and already playing a real role in cross-border payments. It’s also just come through years of legal battles with a win and that clears the path for real adoption.
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With pro-crypto policy now coming out of Washington, and Ripple building out a stablecoin to run on the same rails, XRP isn’t just another token. It’s one of the few actually doing something.
Trump’s Win Clears the Way for Crypto
Let’s start with the big picture. Donald Trump’s victory in the 2024 election sparked a powerful rally in crypto, but it wasn’t just political noise. His administration moved fast. In July, Trump signed the GENIUS Act, a new law that gives stablecoins a clear regulatory framework. That might sound bureaucratic, but it’s a game-changer. It marks a sharp break from the enforcement-heavy tone of the previous White House and signals that crypto is entering a new phase, one defined by legitimacy. Naturally, this paves the way for mass adoption.
This is especially significant for XRP, a token that found itself caught in the SEC’s legal crosshairs just a few years ago. Ripple, the company behind XRP, was sued by the agency in 2020. The lawsuit cost Ripple a major partnership with MoneyGram and led to years of legal uncertainty. But now, XRP has been declared not a security when sold to everyday investors. This is an important win for Ripple and a green light for more institutions to start engaging again.
XRP Is Payments Infrastructure
While most altcoins are still trying to figure out what they’re for, XRP has already found its niche: cross-border payments. And it’s good at it because it is fast, cheap, and frictionless. Essentially, XRP is designed to move money between currencies and countries. Transaction fees are just 0.00001 XRP, that’s fractions of a cent.
This is the kind of infrastructure the global banking system is still struggling to modernize. XRP can bridge currencies in seconds without relying on multiple intermediaries. That’s a use case with teeth, especially now that Ripple has launched RLUSD, its own dollar-pegged stablecoin, to expand its footprint in payments even further. Because RLUSD is built on the XRP Ledger, every transaction on the stablecoin burns a small amount of XRP. What this does is reduce the overall supply and thus adds long-term support to XRP’s price.
XRP Is a Giant That’s Growing Again
XRP is already the third-largest cryptocurrency in the world, with a market cap north of $187 billion. At around $3.01, the token’s unit price might look modest, but don’t let that fool you, it’s becoming something closer to digital infrastructure.
Of course, that also means the days of thousand-percent gains may be over. But slow and steady wins in volatile markets is still better than nothing.
So, Is $500 Worth Putting Into XRP?
Absolutely, especially if you’re thinking long-term. XRP combines legal clarity, real utility, and broad institutional interest. While $500 won’t turn into millions overnight, it could turn into a meaningful stake in a digital asset that’s improving how money moves across the world. If you’re betting on a crypto that actually does something and has the legal green light to do it, XRP should be at the top of your list.
At the time of writing, XRP is sitting at $3.0167.
