Is XRP the Best Cryptocurrency You Can Buy Right Now?

With its price down by 70% from its all-time high set in mid-2025, it's natural for investors to wonder if XRP (CRYPTO: XRP) is priced at a bargain, and perhaps even one so deep as to make it the best cryptocurrency that it's possible to buy. But price isn't the factor that determines whether an asset is a bargain; the fundamentals are the more important part.

On that front, Ripple, XRP's issuer, has spent a handful of years and considerable effort courting banks and other financial institutions around the globe. Ripple has also worked extensively on expanding the capabilities of XRP's blockchain, the XRP Ledger (XRPL). Has any of that work actually made XRP a more appealing coin to buy?

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The XRP Ledger isn't winning in tokenized assets

Financial institutions are evaluating blockchain technology to manage tokenized assets.

Tokenization is the process of recording the ownership data of an asset, such as a Treasury bill or a stock, on a crypto token that's held and exchanged on a blockchain. The XRP Ledger was home to $642.9 million in tradeable tokenized assets as of Nov. 9, making it the ninth-largest among blockchain networks. Ethereum, the destination for the biggest collection of those assets, hosted $15.1 billion, so the XRPL is very far from being a leader despite developing its own tech explicitly to make its tokenized asset features more appealing to banks.