In the last year, XRP (CRYPTO: XRP) has lost over 50% of its value. After reaching a peak of $3.08 in the fall, the cryptocurrency fell to a low of under $1.00 during the summer of 2026. Fortunately, a recent recovery has raised its value to about $1.42 as of September 15.
<p class="text text-block paragraph text-left neo-font-paragraph-xl-reg yf-18d6y07" style="text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;"><!-- HTML_TAG_START -->Despite the uptick in August, the overall trend is still quite bleak. There exists a curious contradiction: while Ripple continues to enhance its global business presence, its associated digital currency appears to trade like a distressed commodity.<!-- HTML_TAG_END -->
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<p class="text text-block paragraph text-left neo-font-paragraph-xl-reg yf-18d6y07" style="text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;"><!-- HTML_TAG_START --><strong><em>Missed Out on Nvidia in 2009? A Unique Signal is Emerging Again.</em></strong><em> Back in 2009, a "Double Down" signal appeared for a lesser-known chip manufacturer called Nvidia. The same "Total Conviction" signal is now surfacing for a company just a fraction of Nvidia's size. </em><a href="https://api.fool.com/infotron/infotrack/click?apikey=35527423-a535-4519-a07f-20014582e03e&impression=99cfa07e-176f-421b-acfa-37edc033e979&url=https%3A%2F%2Fwww.fool.com%2Fmms%2Fmark%2Fa-sa-dd-total-conviction%3Faid%3D11123%26source%3Disaediica0000074%26ftm_cam%3Dsa-dd-4%26ftm_veh%3Dtop_incontent_pitch_feed_yahoo%26ftm_pit%3D19375&utm_source=yahoo-host-full&utm_medium=feed&utm_campaign=article&referring_guid=027f33ee-8682-4fc0-928e-2000bf3ce318" data-ylk="slk:Continue%20%C2%BB;elm:context_link;itc:0;sec:content-canvas;source:content-canvas%20default" data-yga="{"yLinkText":"Continue »","yLinkElement":"context_link","yModuleName":"content-canvas","yTrafficOrigin":"content-canvas default"}" target="_blank" rel="noopener noreferrer nofollow"><strong><em><u>Continue »</u></em></strong></a><!-- HTML_TAG_END -->
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<p class="text text-block paragraph text-left neo-font-paragraph-xl-reg yf-18d6y07" style="text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;"><!-- HTML_TAG_START -->To properly assess this situation, it's crucial to remember that XRP is not a stock. It does not generate earnings or dividends, making traditional corporate valuation methods inapplicable. View this as an intellectual exercise in economics.<!-- HTML_TAG_END -->
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<h2 class="text text-block heading text-left neo-font-heading-lg yf-18d6y07" role="heading" style="text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;"><!-- HTML_TAG_START -->The High-Velocity Challenge<!-- HTML_TAG_END -->
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<p class="text text-block paragraph text-left neo-font-paragraph-xl-reg yf-18d6y07" style="text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;"><!-- HTML_TAG_START -->A significant obstacle for XRP is its transactional velocity.<!-- HTML_TAG_END -->
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<p class="text text-block paragraph text-left neo-font-paragraph-xl-reg yf-18d6y07" style="text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;"><!-- HTML_TAG_START -->Ripple's payment solution for international transactions is built for rapid processing. With quick service and minimal fees, users benefit while Ripple gains repeat business. Since transfers finalize in seconds, funds do not remain in XRP form for long; they are bought in one country, transferred to another, converted into local currency, and quickly liquidated.<!-- HTML_TAG_END -->
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<p class="text text-block paragraph text-left neo-font-paragraph-xl-reg yf-18d6y07" style="text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;"><!-- HTML_TAG_START -->This high velocity enables massive transaction volumes to flow through a relatively small pool of available capital. While this is advantageous for the payment system, it does not create the ongoing buying pressure that long-term investors seek.<!-- HTML_TAG_END -->
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<p class="text text-block paragraph text-left neo-font-paragraph-xl-reg yf-18d6y07" style="text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;"><!-- HTML_TAG_START -->For traditional stocks, the concept is straightforward: a business sells its products, cash flows in, and shareholders reap the rewards. XRP, however, is not a stock. It functions merely as a tool for Ripple, facilitating cross-border payments that utilize cryptocurrency backing. Holding XRP does not equate to owning a piece of Ripple Labs nor does it grant rights to any revenue generated from their software.<!-- HTML_TAG_END -->
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<img src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///ywAAAAAAQABAAACAUwAOw==" alt="White XRP logo on a black background." height="640" width="960" class="yf-1f8hkhu loader"/>
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<figcaption class="yf-750ceo"><!-- HTML_TAG_START -->Image credit: The Motley Fool.<!-- HTML_TAG_END -->
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<h2 class="text text-block heading text-left neo-font-heading-lg yf-18d6y07" role="heading" style="text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;"><!-- HTML_TAG_START -->RLUSD Shakes Things Up<!-- HTML_TAG_END -->
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<p class="text text-block paragraph text-left neo-font-paragraph-xl-reg yf-18d6y07" style="text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;"><!-- HTML_TAG_START -->The launch of <strong>RLUSD</strong> (CRYPTO: RLUSD), Ripple's own fiat-backed <a href="https://www.fool.com/investing/how-to-invest/stocks/ripple/?utm_source=yahoo-host-full&utm_medium=feed&utm_campaign=article&referring_guid=027f33ee-8682-4fc0-928e-2000bf3ce318" data-ylk="slk:stablecoin;elm:context_link;itc:0;sec:content-canvas;source:content-canvas%20default" data-yga="{"yLinkText":"stablecoin","yLinkElement":"context_link","yModuleName":"content-canvas","yTrafficOrigin":"content-canvas default"}" target="_blank" rel="noopener noreferrer nofollow">stablecoin</a>, further complicates the outlook for XRP.<!-- HTML_TAG_END -->
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<p class="text text-block paragraph text-left neo-font-paragraph-xl-reg yf-18d6y07" style="text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;"><!-- HTML_TAG_START -->Should institutional clients be able to manage cross-border transactions using a dollar-pegged asset that mitigates foreign exchange fluctuations, XRP's role as a crucial liquidity connector could face significant disruption. The token risks being relegated to a backend utility for transaction fees, which are intentionally kept very minimal.<!-- HTML_TAG_END -->
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Unless regulatory changes trigger substantial accumulation on the balance sheets of institutions, investing in XRP based solely on Ripple’s corporate growth may mistakenly conflate the service provider with the token itself. Indeed, it raises the question: why involve a potentially volatile cryptocurrency when a stablecoin can perform the same function?
<p class="text text-block paragraph text-left neo-font-paragraph-xl-reg yf-18d6y07" style="text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;"><!-- HTML_TAG_START -->Ripple may dominate the cross-border banking sector, but owning XRP doesn’t equate to owning the infrastructure. You're merely holding the transit tokens, which isn't where the real profit lies, leading me to believe that XRP may no longer be a solid investment.<!-- HTML_TAG_END -->
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<p class="text text-block paragraph text-left neo-font-paragraph-xl-reg yf-18d6y07" style="text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;"><!-- HTML_TAG_START -->Given the rising relevance of RLUSD, I would prefer to wait for Ripple to go public so I can invest in actual stock and partake in its growth. In fact, I'm considering selling my small XRP holding in my cryptocurrency portfolio.<!-- HTML_TAG_END -->
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<p class="text text-block paragraph text-left neo-font-paragraph-xl-reg yf-18d6y07" style="text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;"><!-- HTML_TAG_START -->The narrative surrounding XRP has shifted, and I'm in favor of stepping away.<!-- HTML_TAG_END -->
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<h2 class="text text-block heading text-left neo-font-heading-lg yf-18d6y07" role="heading" style="text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;"><!-- HTML_TAG_START -->Is Now the Right Time to Invest in XRP?<!-- HTML_TAG_END -->
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<p class="text text-block paragraph text-left neo-font-paragraph-xl-reg yf-18d6y07" style="text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;"><!-- HTML_TAG_START -->Before you consider investing in XRP, think about the following: <!-- HTML_TAG_END -->
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<p class="text text-block paragraph text-left neo-font-paragraph-xl-reg yf-18d6y07" style="text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;"><!-- HTML_TAG_START -->The <em>Motley Fool Stock Advisor</em> analyst team has recently identified what they consider to be the <a href="https://api.fool.com/infotron/infotrack/click?apikey=35527423-a535-4519-a07f-20014582e03e&impression=b32cad76-5be7-4e56-969a-1c8e0e36d957&url=https%3A%2F%2Fwww.fool.com%2Fmms%2Fmark%2Fe-sa-bbn-bn%3Faid%3D8867%26source%3Disaeditxt0001181%26ftm_cam%3Dsa-bbn-evergreen%26ftm_veh%3Darticle_pitch_feed_yahoo%26ftm_pit%3D18781&utm_source=yahoo-host-full&utm_medium=feed&utm_campaign=article&referring_guid=027f33ee-8682-4fc0-928e-2000bf3ce318" data-ylk="slk:10%20best%20stocks;elm:context_link;itc:0;sec:content-canvas;source:content-canvas%20default" data-yga="{"yLinkText":"10 best stocks","yLinkElement":"context_link","yModuleName":"content-canvas","yTrafficOrigin":"content-canvas default"}" target="_blank" rel="noopener noreferrer nofollow"><strong>10 best stocks</strong></a> to invest in at present... and XRP was not among them. The stocks that made the list could yield impressive returns in the years to come.<!-- HTML_TAG_END -->
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<p class="text text-block paragraph text-left neo-font-paragraph-xl-reg yf-18d6y07" style="text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;"><!-- HTML_TAG_START -->Consider when <strong>Netflix</strong> was on this list on December 17, 2004... a $1,000 investment then would be worth <strong>$420,109</strong>* today! Or think about <strong>Nvidia</strong> joining the list on April 15, 2005... a $1,000 investment at that time would have grown to <strong>$1,303,689</strong>*!<!-- HTML_TAG_END -->
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<p class="text text-block paragraph text-left neo-font-paragraph-xl-reg yf-18d6y07" style="text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;"><!-- HTML_TAG_START -->It's worth noting that <em>Stock Advisor's</em> total average return stands at 938%, greatly surpassing the S&P 500's 211%. Don't miss out on the latest top 10 list available with <em>Stock Advisor</em>, and join a community of investors who prioritize individual insights.<!-- HTML_TAG_END -->
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<p class="text text-block paragraph text-left neo-font-paragraph-xl-reg yf-18d6y07" style="text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;"><!-- HTML_TAG_START --><a href="https://api.fool.com/infotron/infotrack/click?apikey=35527423-a535-4519-a07f-20014582e03e&impression=b32cad76-5be7-4e56-969a-1c8e0e36d957&url=https%3A%2F%2Fwww.fool.com%2Fmms%2Fmark%2Fe-sa-bbn-bn%3Faid%3D8867%26source%3Disaeditxt0001181%26ftm_cam%3Dsa-bbn-evergreen%26ftm_pit%3D18781%26ftm_veh%3Darticle_pitch_feed_yahoo%26company%3DXRP&utm_source=yahoo-host-full&utm_medium=feed&utm_campaign=article&referring_guid=027f33ee-8682-4fc0-928e-2000bf3ce318" data-ylk="slk:See%20the%2010%20stocks%20%C2%BB;elm:context_link;itc:0;sec:content-canvas;source:content-canvas%20default" data-yga="{"yLinkText":"See the 10 stocks »","yLinkElement":"context_link","yModuleName":"content-canvas","yTrafficOrigin":"content-canvas default"}" target="_blank" rel="noopener noreferrer nofollow" class="ticker_pitch"><strong>See the 10 stocks »</strong></a><!-- HTML_TAG_END -->
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<p class="text text-block paragraph text-left neo-font-paragraph-xl-reg yf-18d6y07" style="text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;"><!-- HTML_TAG_START --><em>*Stock Advisor returns as of September 16, 2026.</em><!-- HTML_TAG_END -->
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<p class="text text-block paragraph text-left neo-font-paragraph-xl-reg yf-18d6y07" style="text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;"><!-- HTML_TAG_START --><a href="https://www.fool.com/author/1484/" data-ylk="slk:Anders%20Bylund;elm:context_link;itc:0;sec:content-canvas;source:content-canvas%20default" data-yga="{"yLinkText":"Anders Bylund","yLinkElement":"context_link","yModuleName":"content-canvas","yTrafficOrigin":"content-canvas default"}" target="_blank" rel="noopener noreferrer nofollow"><em>Anders Bylund</em></a><em> holds positions in XRP. The Motley Fool also has positions in and recommends XRP. The Motley Fool maintains a </em><a href="https://www.fool.com/legal/fool-disclosure-policy/" data-ylk="slk:disclosure%20policy;elm:context_link;itc:0;sec:content-canvas;source:content-canvas%20default" data-yga="{"yLinkText":"disclosure policy","yLinkElement":"context_link","yModuleName":"content-canvas","yTrafficOrigin":"content-canvas default"}" target="_blank" rel="noopener noreferrer nofollow"><em>disclosure policy</em></a><em>.</em><!-- HTML_TAG_END -->
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<p class="text text-block paragraph text-left neo-font-paragraph-xl-reg yf-18d6y07" style="text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;"><!-- HTML_TAG_START --><a href="https://www.fool.com/investing/2026/09/16/xrp-keeps-sliding-despite-ripples-global-growth/" data-ylk="slk:XRP%20Keeps%20Sliding%20Despite%20Ripple's%20Global%20Growth%3A%20Buy%2C%20Hold%2C%20or%20Sell%3F;elm:context_link;itc:0;sec:content-canvas;source:content-canvas%20default" data-yga="{"yLinkText":"XRP Keeps Sliding Despite Ripple's Global Growth: Buy, Hold, or Sell?","yLinkElement":"context_link","yModuleName":"content-canvas","yTrafficOrigin":"content-canvas default"}" target="_blank" rel="noopener noreferrer nofollow">XRP Keeps Sliding Despite Ripple's Global Growth: Buy, Hold, or Sell?</a> was originally published by The Motley Fool<!-- HTML_TAG_END -->
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