The Ripple (XRP) price today in India stands at ₹185.94, reflecting a 24-hour decrease of -1.09%. With a substantial 24-hour trading volume exceeding ₹2,173 crore, XRP maintains its position as the 4th largest cryptocurrency by market cap. The circulating supply currently sits at approximately 59 billion XRP, with no hard cap on maximum issuance.
Despite recent fluctuations, XRP continues to be a focal point for investors seeking fast, low-cost cross-border payment solutions powered by blockchain technology.
👉 Discover how XRP is shaping the future of global payments
Understanding Ripple (XRP): A Digital Asset for Global Finance
XRP is more than just a cryptocurrency—it's a foundational digital asset designed to revolutionize international money transfers. Originally launched by OpenCoin (now Ripple Labs), XRP surged from $0.006 in January 2017 to an all-time high near $3.60 in early 2018, showcasing explosive growth. It later reached $1.80 in July 2021, reaffirming its market relevance.
Backed by one of the most valuable fintech startups in the U.S., Ripple ranks among elite companies like Uber and Airbnb in terms of private valuation. Its success stems from strategic partnerships with financial institutions and its role in powering RippleNet, a next-generation payment network.
Who Created Ripple?
Ripple was co-founded by Jed McCaleb, Arthur Britto, and Chris Larsen—visionaries who saw the potential of decentralized ledgers for financial services. McCaleb is also known for founding Mt. Gox, while Britto played a key role in developing the XRP Ledger.
Technical leadership came from David Schwartz, Ripple’s current CTO and co-author of the original whitepaper, along with Stefan Thomas, former CTO, who contributed significantly to early development.
These pioneers built a system not based on traditional mining but on a pre-mined, consensus-driven model that enables rapid transaction validation.
How Does Ripple Work?
At the heart of Ripple’s innovation lies RippleNet, a blockchain-based infrastructure that enables instant, low-cost cross-border transactions for banks and financial institutions. Unlike Bitcoin’s energy-intensive proof-of-work model, XRP uses a consensus protocol verified by trusted network validators.
Here’s how it works:
- Transactions are proposed across a network of independent validator nodes.
- Validators compare the transaction against the latest state of the XRP Ledger.
- If a supermajority agrees, the transaction is confirmed—typically within 3–5 seconds.
This system offers a compelling alternative to SWIFT, which often takes days and incurs high fees for international transfers.
👉 Learn how financial institutions are adopting XRP for real-time settlements
Key Features of XRP
⚡ Near-Zero Fees and Instant Settlement
Transferring money internationally through traditional banking can take 3–5 business days and involve multiple intermediaries. XRP slashes this to seconds with minimal cost—often less than $0.01 per transaction.
For remittance providers and multinational corporations, this means improved liquidity management and reduced operational friction.
📈 Scalability for Enterprise Use
The XRP Ledger supports up to 1,500 transactions per second (TPS)—comparable to Visa’s throughput. This scalability makes it ideal for institutional use, especially during peak demand periods.
Unlike some blockchains that struggle with congestion, XRP has maintained consistent performance since its launch, processing millions of transactions without downtime.
🔒 Security and Decentralization
Although Ripple Labs holds a significant portion of XRP (with 55 billion placed in escrow), the XRP Ledger is open-source and community-governed. A growing number of independent validators help secure the network, reducing reliance on any single entity.
Full-time developers and contributors continuously enhance security protocols, ensuring resilience against attacks and failures.
🌱 Sustainability Advantage Over Proof-of-Work Coins
Bitcoin mining consumes vast amounts of electricity—equivalent to powering thousands of homes daily. In contrast, XRP does not rely on mining. All tokens were created at launch, eliminating the environmental toll associated with proof-of-work systems.
This eco-friendly design aligns with ESG (Environmental, Social, and Governance) standards increasingly prioritized by institutional investors.
Ripple Price History in INR (2025 Data)
Recent price movements show moderate volatility over daily, weekly, and monthly intervals:
Daily Price Movement (July 2025)
| Date | Price (₹) | Change (%) |
|---|---|---|
| 02-07-2025 | ₹187 | -2.09% |
| 01-07-2025 | ₹191 | +1.60% |
| 30-06-2025 | ₹188 | -0.53% |
Weekly Overview
Over the past week, XRP fluctuated between ₹181.57 and ₹188.75, showing resilience despite broader market corrections.
Monthly Trend
In June 2025, XRP started the month strong but faced downward pressure due to macroeconomic factors:
- Highest: ₹241.58 (January 2025)
- Lowest: ₹181.31 (April 2025)
- Current: ₹185.94
Despite a dip in mid-year, analysts remain optimistic about long-term fundamentals.
Ripple (XRP) Price Prediction: What Lies Ahead?
While past performance doesn't guarantee future results, several indicators suggest strong potential for XRP:
- Institutional Adoption: More banks are testing or integrating RippleNet for cross-border payments.
- Regulatory Clarity: Ripple's ongoing legal battle with the U.S. SEC has drawn attention, but partial rulings have favored clearer classification of XRP as non-security in certain contexts.
- Market Sentiment: Analysts project possible rallies if adoption accelerates post-2025.
Though 2022 predictions anticipated $1.22–$1.84 ranges—levels not fully realized due to market conditions—the underlying utility of XRP remains intact.
Today’s price of ₹185.94 (~$2.24 USD) positions XRP as an accessible entry point for Indian investors looking for exposure to scalable blockchain finance.
Should You Invest in XRP in India?
Yes—XRP presents a compelling case for Indian investors interested in:
- Fast international remittances
- Low transaction costs
- Sustainable blockchain technology
- Institutional-grade infrastructure
With increasing digital asset adoption and regulatory frameworks evolving in India, cryptocurrencies like XRP offer diversification beyond equities and gold.
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Frequently Asked Questions (FAQ)
Q: What is the current price of XRP in India?
A: As of today, the price of 1 XRP is ₹185.94.
Q: How many XRP can I buy with ₹100?
A: With ₹100, you can purchase approximately 0.00045 XRP.
Q: Is XRP pre-mined?
A: Yes, all XRP tokens were created at launch. No new coins are mined, making it more energy-efficient than Bitcoin or Ethereum.
Q: Can I use XRP for international money transfers?
A: Absolutely. Ripple’s technology is specifically designed for fast, low-cost cross-border payments used by banks and payment providers globally.
Q: Is investing in XRP safe in India?
A: While all crypto investments carry risk, XRP’s strong use case and enterprise backing make it one of the more stable digital assets. Always do thorough research before investing.
Q: Does Ripple have unlimited supply?
A: Technically yes—the maximum supply isn’t capped—but only a finite amount is released from escrow monthly, helping control inflationary pressure.
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