Is XRP still worth holding long term?

Whether XRP is worth holding long term depends on your risk tolerance and what you want from the asset.

On the positive side, XRP has had some regulatory progress, and it has also seen about $1.3 billion in ETF inflows since November 2025. It also showed strong upside recently, reaching a cycle high of $3.65 in July 2025.

The main caution is that XRP can still be very volatile. It was trading roughly 50% below that July 2025 peak by early 2026, and some 2026 forecasts remain very conservative, with bearish calls as low as $0.44.

Bottom line: XRP can still be a reasonable long-term hold if you believe in Ripple’s payments use case and you’re comfortable with large price swings. If you want lower-risk crypto exposure, it may be too speculative to be a core holding.