Anyone who put $100 into every XRP (CRYPTO:XRP) crash since 2024 would have spent $600 across six purchases. However, the position is worth about $582 today. That reflects that despite buying every 20% dip in the XRP price over two and a half years, you’d have lost money.
Those six buys ranged from 50 cents in November 2024 to $2.10 in February 2025, and each one looked like a bargain when it was made. So, why is the position worth less than the investment?
What Buying Every XRP Dip Looked Like Through 2025
The XRP price traded at 50 cents in November 2024, so the first $100 investment bought 200 tokens. Trump won the election days later, and XRP reached $2.70 by early December, putting that single purchase up more than five times within a month and making the position worth $540.
XRP then rallied to $3.40 by January 2025 before falling 38% to $2.10 in February, which marked the second dip over 20%. However, buying that dip at $2.10 cost more than four times the 50 cents paid in November, so the second $100 investment bought just 47 tokens against the first purchase’s 200. That left 248 tokens for $200 spent, worth about $520 at the time.
XRP carried on climbing to $3.65 by July 2025, its highest price of the whole run. Those 248 tokens were worth about $904 at that peak, more than four times the $200 that had gone in, and buying every dip looked like the right call. Those who got out here were the big winners of the cycle.
After peaking in July, XRP began a slow, steady decline, and by October Trump’s tariff announcement sent the price 45% lower to $1.53 in a single day. That made it the third time XRP dipped by more than 20%, and another $100 investment bought 65 tokens. The position now held 313 tokens for $300 spent, worth about $479 at that price.
XRP then recovered to $2.36 by December before sliding 21% to $1.87, which marked the fourth dip. Another $100 stake bought 53 tokens and brought the total to 366 tokens for $400 spent, worth about $685 as the year closed.
What the XRP Dip Investment Is Worth So Far in 2026
The XRP price briefly rallied to $2.40 in January 2026, which made the investment worth about $879 on $400 spent. That remains the highest price XRP has reached all year, with the coin falling steadily since its early January peak.
XRP dropped 54% to $1.12 by February 6, the deepest of the six dips, and the fifth $100 bought 89 tokens. Five purchases had now cost $500 and held 456 tokens, worth about $510 at that price, so the whole position was barely above the money that had gone into it.
The sixth dip came on June 26, when XRP fell 40% from May’s $1.67 to $1.01, its cheapest price of the year. That was the final dip over 20%, and the last $100 of capital bought 99 tokens, leaving the position at 555 tokens for $600 spent.
Those 555 tokens are worth about $582 at today’s price of $1.05, which averages $1.08 a token, above where XRP trades now.
Why Buying Once Beat Buying Every Dip
XRP started 2024 at about 60 cents. A single $600 investment on the first day of that year would have bought 1,000 tokens, worth about $1,050 today, against $582 for the six dip purchases. Buying once cost 60 cents a token, but buying every crash averaged $1.08, nearly double, and that difference is the whole result.
Moreover, five of the six dips came at prices above where XRP started 2024, because a token that has run from 50 cents to $3.40 is still expensive after falling 38%. February 2025’s price of $2.10 was a genuine 38% discount on January’s peak and also three and a half times the January 2024 price. Only November 2024’s 50 cents came in cheaper than simply buying on day one.
None of this was knowable at the time. Nobody could see in January 2024 that 60 cents was a good entry, and nobody knew November 2024 was the bottom until months afterwards.
Should You Buy the Current XRP Dip?
XRP trades at $1.05 today, down about 43% this year and 71% below the $3.65 it reached in July 2025. That is cheaper than five of the six dips we tracked, and the second-lowest price XRP has traded at since November 2024.
That said, two things could separate this dip from the five that lost money. XRP’s monthly RSI—a momentum gauge measuring how oversold an asset has become—hit its lowest reading on record in June. This is below anything printed during the COVID crash or the Terra collapse, and readings that low have historically come near cycle bottoms.Â
The CLARITY Act would also settle XRP’s regulatory status permanently. However, Senate Majority Leader John Thune has not filed the motion needed to start debate, and has said a final vote before the August recess looks unlikely. So, XRP’s rally hopes are still uncertain.
However, the evidence from buying the six dips is that a dip only pays if it turns out to be near the bottom, and nobody knows that while they are buying. What the past two and a half years reward is picking a price worth owning XRP at and buying it, rather than waiting for a figure that looks like a discount against the previous month.
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