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XRP

XRP

Live. Checked by a person on 13 September 2026.

Hot: etf or institution, exchange listingFull record
2 of 3promises deliverednone past their date#2of 5 payment solutionsthe typical one is worth $3.85B$14.54Kpaid in fees, 30 dayswhat people paid to use it#5of all coins by sizeworth $87.28B today

XRP Ledger is a public blockchain for creating, sending, and trading digital assets, built with a focus on meeting compliance rules. Of the 3 things it promised, it delivered 2, 1 is still open (1 with no date); nothing dated is coming up. It trades at $1.39, #5 of all coins by size, 62% below its highest ever price.

This week in the news: ETF or institution, exchange listing, funding, upgrade or launch live.

A real job, real backing. Delivered 2 of 3, none late. Nothing dated ahead. #2 of 5 payment solutions. Nothing to be careful of on the record.

Is it real?

4 of 4tests passeda real job, real backing, something ahead, room to grow
3named backersPantera Capital, Andreessen Horowitz (a16z)
12 yearson the marketsince 21 May 2014
1.09Mpeople watch iton CoinGecko lists
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Passes all four

  • ✓A real-world jobReal-world purpose: payments
  • ✓Real backingBacking: backed by Pantera Capital; in the GMCI 30 Index; trades on Coinbase, Crypto.com, Kraken
  • ✓Something aheadAhead: 2 of 3 promises delivered
  • ✓Room to growRoom: worth $87.28B, 18 times smaller than Bitcoin, the biggest coin within reach doing the same thing (Payment Solutions)

Backed by Pantera Capital and 2 more

  • Origin21 May 2014about about 12 yearsTagged Made in USA on CoinGeckoripple.com/currency, GitHub, Whitepaper, Wikipedia
  • DevelopersNot namedNeither Wikidata nor its listing names the foundersDeveloper: RippleCode activity not checked
  • BackingPantera Capital, Andreessen Horowitz (a16z), Blockchain CapitalInvestor tags from CoinGeckoIndex: GMCI 30 Index, GMCI Index, Coinbase 50 IndexListed on Coinbase, Crypto.com, Kraken, Bitstamp
  • Standing on the record2 of 31 confirmed by outside news459 headlines last month, 70 about government1,092,612 people keep it on a CoinGecko watchlistNo corrections needed so far
Why it is worth a look
  • Real-world purpose: payments
  • Backing: backed by Pantera Capital; in the GMCI 30 Index; trades on Coinbase, Crypto.com, Kraken
  • Ahead: 2 of 3 promises delivered
  • Room: worth $87.28B, 18 times smaller than Bitcoin, the biggest coin within reach doing the same thing (Payment Solutions)
The gap, and what to do

It is already worth more than the typical coin in Payment Solutions ($3.85B). To match the leader, Bitcoin ($1.54T), its price would need to rise 1667%, to about $24.56.

Still to check

  • Years younger than the group's leader

What to do It has delivered 2 of 3 dated promises and nothing dated is ahead. Add it to My coins and come back when it posts a new date; until then the record has nothing new to say.

A gap is not a forecast. Most small coins never close it. The site never picks.

Four tests, printed. Passing all four means a real job, real backing, something ahead, and a price far below the leader of its group. A filter on facts, never a verdict.

Every line has a source: the coin's own listing, CoinGecko's tags, the record, or the news feed. Reputation here is a count, never an opinion.

Does it deliver?

2 of 3promises deliveredby the project's own pages
1confirmed outsideby a news report or a tagged release
0missed
1still open
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Every line is quoted from the project's own pages, with the copy we stored and, where one exists, the article that reported it

67%delivered

2 of 3

promises delivered, by the project's own pages

1 of those confirmed by an outside news report

Promises by the year they were due

20241
20251
undated1

delivered open past due

20252026todayXRP Ledger said a new automated market maker trading feature was on track to turn on for everyone on March 22, 2024. — due 22 March 2024, delivered. Click for details.XRP Ledger said a new automated market…22 March 2024XRP Ledger said a feature letting NFTs be updated after they are created would turn on for everyone on June 11, 2025, if validator support continued. — due 11 June 2025, delivered. Click for details.XRP Ledger said a feature letting NFTs…11 June 2025

delivered open past due, not yet checked today. Click a point to open that promise.

Promises, one by one
  • Openno dateXRP Ledger says it will offer an on-chain lending feature for fixed-term loans, but has not given a date.
    Details
    “Lending (Coming Soon) Native lending protocol enabling onchain credit origination with fixed-term, interest-accruing loans, and off-chain underwriting and risk management”

    source · snapshot · captured 2026-09-10

  • Delivered22 March 2024XRP Ledger said a new automated market maker trading feature was on track to turn on for everyone on March 22, 2024.delivered 22 March 2024Confirmed by release 2.2.0-rc2, 16 May 2024Proof release 2.2.0-rc2 16 May 2024
    Details
    “The AMM Amendment to the XRP Ledger protocol, which adds Automated Market Maker functionality, is on track to become enabled on Mainnet on 2024-03-22.”

    source · snapshot · captured 2026-09-10

    source · snapshot · captured 2026-09-10

  • Delivered11 June 2025XRP Ledger said a feature letting NFTs be updated after they are created would turn on for everyone on June 11, 2025, if validator support continued.delivered 11 June 2025Only the project's own word so farProof Only its own page says so; no article found.
    Details
    “Additionally, the DynamicNFT amendment has gained support from a supermajority of validators and will become enabled on 2025-06-11 if it maintains continuous support.”

    source · snapshot · captured 2026-09-10

    source · snapshot · captured 2026-09-10

What is next, and when?

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How big is it next to its rivals?

#2of 5 payment solutionsthe typical one is worth $3.85B
$87.28Bworth todayprice × coins out
$3.85Bthe typical rival is worthPayment Solutions
$1.54Tthe leader is worthBitcoin
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Only coins within a hundred times its worth; a coin a thousand times bigger is another world

Payments

18 coins we checked say they are for payments, worth $1.64T together. #2 of 18 by worth.

Payment Solutions: this coin against its direct competitors

  • CoinWorth, as a barWorthAgainst this coinToday, and the gapSupplyPromises
  • XRP$87.28Bthis coin+0.0%63% out2 of 3 delivered
  • Bitcoin$1.54T17.7× bigger, +$1.45T−1.3%, gap −1.396% outnone dated
  • Stellar$6.68B13.1× smaller, −$80.6B+3.8%, gap +3.8no max0 of 20 delivered
  • POL (ex-MATIC)$1.03B84.8× smaller, −$86.25B−0.3%, gap −0.3no max0 of 14 delivered
  • Quant$921.15M94.7× smaller, −$86.35B−1.0%, gap −1.0100% outnone dated
Same job, different how

Payment Solutions: this coin next to Bitcoin, the biggest rival within reach. People go to the bigger coin unless the smaller one does something it does not.

XRP says
XRP Ledger is a public blockchain for creating, sending, and trading digital assets, built with a focus on meeting compliance rules.
Bitcoin says
Bitcoin is a computer network that lets people send digital money to each other without a bank or company in charge.

Two claims, side by side, in their own words. Whether the difference is real is for the record to show over time, and for you to judge.

What it is

XRP Ledger is a public blockchain for creating, sending, and trading digital assets, built with a focus on meeting compliance rules.

Its listing puts it this way: XRP is a decentralized digital asset and the native token of the XRP Ledger, a Layer 1 blockchain designed for high-performance global payments.

Problem it says it solves: payments. 41 coins we have checked say the same; together they are worth $1,745,498,830,279.

Where it trades: Coinbase, Crypto.com, Kraken, Bitstamp, Binance

Each bar is a coin's worth today (price × coins out), longest first. The lit bar is this coin; grey bars are the others doing the same job.

Bars are market cap. Order is size, nothing else. Differences are measured from the coin you are looking at.

What should make me careful?

Nothing printed today

None of the six tests fails. A missed promise counts only on a record a person has checked.

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Why is it this small?

Payment Solutions: this coin next to the group's largest, Bitcoin.

XRPBitcoin
Years trading12 years18 years
Major exchanges109
Named backers30
Headlines, last month4591566
Promises delivered2 of 3no record

What it says is different: XRP is a decentralized digital asset and the native token of the XRP Ledger, a Layer 1 blockchain designed for high-performance global payments.

It is 5.7% the size of Bitcoin. On the facts above it is behind on years trading. Nothing here says it will; the site does not predict.

The tests: nothing to hold it for, more missed than delivered, priced ahead of its record, half the supply still to come, rivals ship while it does not, a big release of coins soon.

The homework: the coin itself, the news, the record

The coin itself

$1.39price of one+0.0% today
62%below its highest ever$4 on 17 July 2025
63%of the supply is out62.88B coins
$14.54Kpaid in fees, 30 dayswhat people paid to use it
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The last 7 days

7 days ago: $1.39now: $1.39 (+0.7%)

Where today sits against its highest ever price

$1.39

Highest ever: $3.65 on 17 July 2025. Today is 38% of that.

63%

of all XRP that will ever exist is already out in public hands: 62.88B coins.

37% (37.12B coins) is already created but not in public hands, held by the project or locked in escrow. That is a large share, though not a majority. Those coins can be sold later, which can push the price down.

out held back. Each dot is 1%.

Pays for every use of its network

Every transaction on its network pays a fee in it. That is the built-in reason anyone needs it.

  • Every transaction on its network pays a fee in it
$1.39price of one
×
62.88Bcoins out
=
$87.28Bworth today, #5 of all coins

That is all a market cap is: today's price times the coins in public hands. It moves every time the price does. It says what buyers are paying, not what the coin is worth.

Basics
  • 63%of the maximum supply is in circulation: 62.88B of 100B.
  • 37.12Bcoins still to be released, 37% of the maximum. Releases can add selling pressure.
  • 1.6×fully diluted value versus today's market cap. The gap is coins not yet released.
  • 38%of its all-time high of $3.65 on 17 July 2025. That is −61.9% from the top.
  • #5by market cap, $87,275,311,043.
  • Not checkedwho holds the most coins, and how much has been burned. Those need on-chain data this site does not read yet.

Supply and value figures from CoinGecko, refreshed hourly. Not part of the record.

Real use, in dollars
  • $32.73K is locked in apps built on it right now
  • Users paid $14.54K in fees to use it in the last 30 days, $14.53K of that kept by the network

From DefiLlama, refreshed nightly. Fees are what people paid to use the thing; value locked is what they trust it to hold. Facts, not a score.

What the news says

459headlines, last monththat name this coin
70about governmentregulation, courts, central banks
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Headlines per day, last 30 days

459 headlines named this coin in the last month.

What they were about

  • Price99
  • ETF58
  • Treasury21
  • Regulation14
  • AI10
  • Banks9
  • Upgrade8
  • Whales7
In the news
What people are talking about, last month:

459 headlines in the last month.

Headlines are the publishers' own. News is never placed next to price.

The record itself

Promises3from its own pages
Page copies489 pages watched
Confirmed1by outside news
Checkedpersonchecked against snapshots
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Six facts, the project's own replies, its peers, contract facts, references and every stored copy

What it says it is

XRP Ledger is a public blockchain for creating, sending, and trading digital assets, built with a focus on meeting compliance rules.

“A decentralized public Layer 1 blockchain for creating, transferring, and exchanging digital assets with a focus on compliance.”
source · snapshot · captured 2026-09-10
Stage and age

Live. The record does not yet cite when this stage began.

Promises

2 of 3 promises delivered. 1 open.

Others in payments networks: Nockchain 20 of 30, Beldex 10 of 48, eCash 8 of 10, ADI 7 of 15, and 18 more.
Others in asset tokenization: Zano 51 of 69, Chiliz 3 of 15, Algorand 2 of 7, Cronos 1 of 4, and 14 more.
Last activity

No public code repository is listed in this record.
The project's roadmap page last changed on 14 September 2026.

Open flags

Nothing further to flag from the record as it stands.

Checked?

Every entry on this page has been checked by a person against its snapshot.