Buying $100 of XRP a month since July 2025 has accumulated roughly 819 tokens for $1,400, and that position is down 41.5%. The same DCA approach in Bitcoin has held up better at a 16.5% loss, buying about 0.01418 BTC for $1,100 over 11 months. The XRP price needs to reach $1.71 to recover the full $1,400, while Bitcoin needs roughly $77,600 to recover its $1,100.
Don't wait: the analyst who called NVIDIA in 2010 just revealed his top 10 AI stocks. See the full list FREE now. If you'd put $100 into XRP (CRYPTO:XRP) every month since its $3.65 cycle high in July 2025, the highest price XRP reached in that market cycle, you would have invested $1,400 over 14 months and accumulated roughly 819 XRP.
Meanwhile, dollar-cost averaging (DCA) into Bitcoin (CRYPTO:BTC), starting three months later when the BTC price reached $126,000 on October 6, 2025, would have put in around $1,100 and bought 0.01418 BTC. The XRP price has fallen 73% since its 2025 peak and Bitcoin 49% since reaching a new all-time high, so which monthly buying strategy has held up better between the two cryptos? At $1 today, the 819 XRP tokens would be worth $819, amounting to a loss of about $581 or 41.5% over the last 14 months.
Spreading the buying out is what limited the amount lost, because $1,400 put into XRP all at once at $3.65 would be worth only $384 today, which is a loss of over $1,000. Meanwhile, the XRP price is down 73% across that stretch, so monthly buying cut the loss by more than 30 percentage points. However, XRP fell through every good news that normally would have lifted the price.
XRP gained regulatory clarity when the SEC and Ripple appeal was dismissed in August 2025, and spot XRP ETFs launched by November, giving institutional investors another way to buy XRP without holding it directly. But XRP still fell as broader market sentiment turned negative. By the end of December 2025, six months of buying at a rate of $100 monthly had put in $600 and bought 218 tokens, which were worth around $400, a 33.2% loss.
Eight months into 2026, XRP's price has kept falling and every rally has faded. Ongoing U.S. and Iran tensions have weighed on the whole crypto market and the XRP price, and the uncertainty over the CLARITY Act has kept buyers away. XRP fell by 27.1% in Q1 and 22.4% in Q2, and it is down 3.70% so far in Q3 with six weeks of the quarter left.
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