USD to XRP: Convert US Dollar to Ripple (XRP) Exchange Rate

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The exchange rate between the US Dollar (USD) and Ripple’s cryptocurrency, XRP, is a key metric for investors, traders, and crypto enthusiasts. As digital assets continue to gain mainstream traction, understanding how USD to XRP conversion works—and what drives its fluctuations—has become increasingly important. This guide provides up-to-date exchange data, historical trends, and insights into the dynamics shaping the USD/XRP market.

Real-Time USD to XRP Exchange Rate

As of July 2, 2025, at 03:25 UTC, the latest conversion rate is:

1 USD = 0.4581 XRP
1 XRP = 2.1829 USD

This means that one US dollar can be exchanged for approximately 0.46 units of XRP, while each XRP token holds a value slightly above two dollars. These figures reflect current market conditions and are updated in real time based on global trading activity.

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USD to XRP: 1-Year Historical Overview

Understanding past performance helps predict potential future movements in cryptocurrency markets. Over the past year—from July 2, 2024, to July 1, 2025—the average exchange rate was 1 USD = 0.9612 XRP.

Key Milestones in the Past Year

Year-Over-Year Trend

The USD/XRP exchange rate has declined by -77.53% over the past year. This indicates that the US dollar has weakened significantly against XRP during this period, meaning fewer XRP units are now obtainable per dollar compared to earlier highs.

This downward trend suggests growing demand for XRP relative to the dollar, possibly driven by institutional interest, technological upgrades within the Ripple network, or macroeconomic factors affecting fiat currencies.

Recent Market Performance: Last 30 & 90 Days

Here's a breakdown of recent volatility and movement:

While the short-term trend shows minor recovery, the medium-term outlook reflects increased volatility and a net decline, underscoring the speculative nature of cryptocurrency markets.

USD to XRP Conversion Table

Use this reference table to quickly estimate conversions between USD and XRP:

Convert USD to XRP

Convert XRP to USD

These values are calculated using the latest real-time exchange rate and serve as practical tools for budgeting or investment planning.

Frequently Asked Questions (FAQ)

What is the current exchange rate for USD to XRP?

As of July 2, 2025, at 03:25 UTC, 1 US Dollar equals 0.4581 XRP. Exchange rates fluctuate constantly due to market supply and demand dynamics across global crypto exchanges.

How much is $100 in XRP?

At the current rate, $100 equals approximately 45.812 XRP. This amount may vary slightly depending on the platform used due to differences in fees and spread.

What was the highest USD to XRP rate in the last nine years?

The all-time high occurred on March 1, 2017, when 1 USD was worth up to 185.53 XRP. This extraordinary spike reflected early-stage speculation and limited market liquidity during the initial growth phase of cryptocurrencies.

When is the best time to convert USD to XRP?

Cryptocurrency markets operate 24/7, but optimal trading windows often align with peak liquidity periods—typically between 3:00 PM and 4:00 PM UTC, when major financial centers like London and New York overlap. Trading early in the week may also reduce settlement delays caused by weekend network congestion.

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Is XRP more valuable than the US Dollar?

Yes—currently, 1 XRP is worth more than $2, making it more valuable per unit than one US dollar. However, value should not be confused with stability; while XRP has higher nominal value, the US dollar remains far more stable and widely accepted.

Has the US Dollar strengthened or weakened against XRP recently?

Year-to-date (YTD), the US dollar has gained +6.57% against XRP. However, over the past nine years, it has lost -99.71% of its value relative to XRP. This long-term trend highlights the dramatic rise of digital assets despite short-term volatility.

Why Trust This Data?

For nearly two decades, our platform has served as a trusted source for currency, cryptocurrency, and precious metals pricing. We aggregate data from top-tier financial providers and apply proprietary algorithms to deliver accurate, real-time rates used by millions worldwide.

Our accuracy and reliability have been recognized by leading financial publications such as Business Insider, Investopedia, The Washington Post, and CoinDesk. Whether you're converting small amounts or analyzing macro trends, you can rely on this information for informed decision-making.

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Core Keywords

With digital finance evolving rapidly, staying informed about currency conversions like USD to XRP empowers smarter financial choices—whether you're investing, sending money internationally, or exploring blockchain innovations.