Dollar-Cost Averaging Into Bitcoin vs XRP Since the 2025 Peak: Which Crypto Held Up Better?

Quick Read

• 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?

XRP DCA Falls 41.5% Despite Appeal Dismissal and ETF Launches

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.