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Is XRP a Buy Right Now at $1.50?

Source The Motley Fool

Key Points

The rising pace of institutional adoption of blockchain-based payment solutions should help boost XRP's future prospects.
However, failure to pass the Clarity Act was a big setback for Ripple and XRP.
Stablecoins are now taking on some of XRP's functionality, potentially limiting its upside.
10 stocks we like better than XRP ›

Over the summer, the price of XRP (CRYPTO: XRP) looked ready to dip below the $1 mark. Today, XRP trades for $1.50, a stunning 50% reversal of fortune that nobody saw coming.

Is this mini-rally a sign of things to come for XRP? Or will XRP continue to over-promise and under-deliver? Let's take a closer look.

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The case for buying XRP

Admittedly, XRP looks like a real bargain right now. After all, it's trading nearly 60% below its highs from last summer. And how much has really changed between now and then?

Ripple, the company behind the XRP token, continues to build out an end-to-end blockchain payment infrastructure featuring XRP. Over the past year, Ripple CEO Brad Garlinghouse has become a fixture at White House crypto events, and Ripple was one of the biggest fintech companies pushing for passage of the Digital Asset Market Clarity Act ("Clarity Act").

Analyst thinking, with financial charts in the background.

Image source: Getty Images.

The case for buying XRP, then, revolves around the growing pace of institutional adoption of blockchain-based payment solutions. There are already dozens of financial institutions using the Ripple payment network. As more join their ranks, that should help to apply upward pressure on the price of XRP.

At the same time, new spot XRP ETFs launched at the end of last year. Theoretically, there should now be a floor under XRP's price. That might help to explain why it only briefly dipped below the $1 mark during the summer before recovering.

The case against buying XRP

Despite all the hype and buzz surrounding XRP, it has never traded above $3.84, and that was more than eight years ago! Therefore, the true upside potential for XRP might only be $4. Given its current price of $1.50, that's not nearly enough upside to compensate investors for the risk they are taking on.

Moreover, the Clarity Act failed to pass the Senate, leaving its future prospects very much in doubt. So maybe the pace of institutional adoption will stall out, leaving XRP in the lurch. There's simply too much regulatory risk for some institutions to take on if they decide to adopt blockchain payment rails.

Finally, stablecoins have stolen some of the thunder from XRP. Even Ripple realizes this, as it is now emphasizing payment solutions featuring the Ripple USD (CRYPTO: RLUSD) stablecoin. Ultimately, stablecoins are stable: They always trade for $1. In contrast, XRP's value can fluctuate wildly, making it less suitable for payments.

Bullish on Ripple, bearish on XRP?

Right now, Ripple is valued at $50 billion, making it one of the biggest fintech companies in the world. The company has the attention of both Wall Street and the White House. As a result, I'm very bullish on the company's long-term prospects.

Unfortunately, I'm not as bullish on XRP. Even if everything goes according to plan, XRP might only double in value over the next 12 months, reaching $3. But can it really go much higher than that? If history is any guide, the ceiling for XRP is $4.

Should you buy stock in XRP right now?

Before you buy stock in XRP, consider this:

The Motley Fool Stock Advisor analyst team just identified what they believe are the 10 best stocks for investors to buy now… and XRP wasn’t one of them. The 10 stocks that made the cut could produce monster returns in the coming years.

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*Stock Advisor returns as of September 23, 2026.

Dominic Basulto has positions in XRP. The Motley Fool has positions in and recommends XRP. The Motley Fool has a disclosure policy.

Disclaimer: For information purposes only. Past performance is not indicative of future results.

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