How Much Would $100 a Week in XRP Since Its $3.65 All-Time High Be Worth Now?
XRP crashed 65% from its all-time high, yet one dollar-cost averaging strategy softened that blow dramatically. Whether this approach can pull the investor back to break-even before losses deepen depends on a price recovery that still faces serious obstacles.
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If you had invested $100 each week in XRP (CRYPTO:XRP) beginning from its all-time high of $3.65 on July 17, 2025, you would have put in a total of $6,800. Currently, that investment is worth about $5,309, a loss of 21.9%. This decline is much smaller than the overall 65.8% drop in XRP’s price since it reached its peak.
XRP is trading at $1.25. Over the past 30 days, it fell by 15.9%, fluctuating between $1.24 and $1.52. So just how far into the red is this investor, and what needs to happen for them to break even?
$100 a Week in XRP Since Its Peak Has Lost 21.9%
Buying any cryptocurrency at its all-time high is typically not ideal. However, 24/7 Wall St. explored a scenario in which an investor buys $100 worth of XRP every week at that day’s closing price, from July 17, 2025, through October 30, and values the investment at the close on November 1.
This plan resulted in 68 purchases, totaling an investment of $6,800, which bought about 4,249 XRP at an average cost of roughly $1.60 per coin. At the close on November 1, those XRP holdings were valued at about $5,309, for a loss of about $1,491.
| Starting Point | Buys | Invested | XRP Held | Average Cost | Value at Nov. 1 Close | Gain or Loss |
|---|---|---|---|---|---|---|
| July 17, 2025 All-Time High | 68 | $6,800 | 4,249 | $1.60 | $5,309 | -21.9% |
| January 6, 2018 Peak Close | 409 | $40,900 | 79,426 | $0.51 | $99,255 | +142.7% |
Experiencing a 21.9% loss is tough. Yet XRP remains a significant asset, with a market cap of about $79.1 billion, making it the fifth-largest cryptocurrency.
Buying Near $0.99 Pulled the XRP Buyer’s Average Cost Down to $1.60
Dollar-cost averaging involves consistently investing the same dollar amount over time, regardless of the asset’s price. This strategy allows you to buy more coins when the price drops and fewer when it rises.
The initial $100 investment at $3.65 bought the fewest XRP. But when XRP dipped to as low as $0.99 on August 16, 2026, subsequent $100 purchases during this period bought more XRP. These cheaper coins helped lower the average cost to $1.60, well below the high entry price.
However, recent trends aren’t as favorable. Currently, XRP is trading below its 20-day moving average of $1.30, its 50-day average of $1.39, and its 200-day average of $1.28. So far in 2026, XRP has declined by 32.1%.
An XRP Buyer From the 2018 Peak Is Up 142.7%
XRP’s peak close in 2018 was $3.40 on January 6. An investor who followed the same strategy since then made 409 purchases, investing $40,900. That investor now holds roughly 79,426 XRP at an average cost of about $0.51, with a current value of around $99,255, representing a gain of about $58,355.
However, this journey wasn’t easy. XRP didn’t surpass its 2018 peak again until July 17, 2025, meaning this buyer experienced years of loss before seeing a profit. Those tough years let the plan accumulate coins at lower prices, which is why this investment shows a profit even at $1.25.
Timing heavily affects results; while XRP is up 104.1% over three years, it has dropped 50.5% over the last year. The same gap shows up when comparing XRP with a savings account paying 4%.
Can $100 a Week in XRP From the Peak Break Even by 2027?
The investor who bought at the all-time high will likely remain underwater through December, but there is a realistic chance of breaking even sometime in 2027 if they keep buying weekly. To break even, XRP needs to climb back to the buyer’s average cost of about $1.60, which is 28% higher than the current price. First, it must climb above its 50-day average of $1.39, which is 11% higher, and then exceed its recent highs of around $1.52 from October 4 and $1.57 from September 22.
For any buyer who continues investing, this break-even point gets closer since each week of purchases below $1.60 will lower the average cost. However, if XRP drops back to its August low of $0.99, which is 21% below the current price, losses could worsen beyond 21.9%. Until XRP consistently trades above $1.39, achieving break-even seems unlikely. A weekly close above $1.60 would be a positive sign that break-even is back in reach.
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Sam Daodu is a crypto analyst and the editor of 24/7 Wall St.'s Crypto Desk, where he covers Bitcoin, XRP, Ethereum, Solana and the altcoins investors search for most. His work focuses on price levels, spot ETF flows, on-chain data and the regulatory decisions that move crypto markets, written so a first-time buyer and a seasoned trader can both use it.
Sam has written about crypto professionally since 2019 and has published more than 2,000 articles. Before joining 24/7 Wall St., he wrote for crypto media outlets and Web3 companies and ghostwrote for crypto founders and token launches. His analysis is syndicated on Yahoo Finance, MSN and AOL and has been cited by other crypto news sites. He also founded MacLabs Marketing, a content and personal branding agency for crypto founders and executives.
When he isn't reading charts, Sam is usually at the gym or watching One Piece, a series he maintains has better tokenomics than most altcoins.
