$10,000 Invested In XRP 5 Years Ago Is Now Worth?

A look at the returns, risks, and lessons from a half-decade XRP investment.

$10,000 Invested In XRP 5 Years Ago Is Now Worth?

Did you know that you would have made more in 5 years if you had invested in XRP than an investment in BTC or ETH? 

On paper, XRP has been one of the worst performers among the top 10 most valuable digital currencies. 

The last five years have especially been the worst, as it has consistently failed to post any meaningful upside gains. It even missed out on the 2021 bull market and is yet to rise above the ATH of $3.84 set in January 2018.

However, when it started rallying six months ago, the reversal trend was so powerful that it helped it overtake some of the seemingly uptrending coins, including Bitcoin and Ethereum.

Coin Market Cap

Comparing XRP performance to BTC and ETH performance

Exactly five years ago, XRP was selling around $0.18. On the other hand, Bitcoin and Ethereum were selling for $7,500 and $197, respectively. Today, XRP is up by more than 12x while BTC and ETH are only up by 11x and 10x, respectively.

Coin Market Cap 2

Earlier in the year, when these assets were hitting new peaks, a $10k investment in XRP would have rallied by more than 19X to reach $190,000. 

A similar investment into BTC or ETH made five years ago would only have rallied by 15x to reach $15,000 and 21x to reach $210,000, respectively.

Why did XRP Start Rallying?

XRP’s recent price action, especially the bullish uptrend from November 2024 to early 2025, may be attributed to a number of factors. The most impactful was the coming to power of the crypto-friendly Trump administration.

The second was the exit of Gary Gensler and the coming to power of the crypto-friendly Paul Atkins. Equally important as the acknowledgement of XRP ETFs filings by the SEC and the expectation of withdrawal of the SEC appeal against Ripple Labs.

Others include the inclusion of XRP in the US strategic crypto reserve, as well as the regulatory clearance being advocated by the current SEC. Not forgetting the expectation of a market-wide bull run later in the year.

What Will $10,000 in XRP Be Worth in 5 Years?

We are wildly bullish about XRP’s future price action. Our analysis even suggests that the altcoin will continue rallying, peaking around $4.41 before year-end.

XRP 1

Over the next five years, we expect the top altcoin to continue rallying and eventually peak around $12. 

Given that it is currently trading around $2.2, the digital asset will likely have rallied by at least 5.5x. This implies that a $10k investment in XRP today will likely have a surged to $55,000. 

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