- USA Today named XRP the “smartest investment” for small-scale investors, citing its strong long-term potential.
- Regulatory progress, including the Genius Act and Ripple’s partial legal victory over the SEC, has boosted investor confidence.
- XRP’s practical use case as a bridge currency, low fees, and integration with Ripple’s RLUSD stablecoin position it as utility-driven asset.
Cryptocurrencies are emerging as a major contender for investors looking for higher returns in the financial market. A recent article from the the American website USA Today highlighted XRP as the “smartest investment” for investors seeking to generate good returns on their $500 capital.
With regulatory hurdles easing and real-world utility in its corner, XRP is positioning itself as a long-term powerhouse in the digital asset space.
According to the report, while traditional investments like the S&P 500 offer average annual returns of around 10%, many investors are now looking toward the crypto sector for the potential of significantly larger gains.
Among the many tokens in the market, XRP, developed by Ripple Labs, is gaining renewed attention, thanks in large part to improving regulatory conditions in the U.S.
Regulatory Relief Signals a Turning Point
USA Today pinpointed that the election of Donald Trump brought renewed optimism to the cryptocurrency market, and legislative progress has quickly followed. Most notably, the Guiding and Establishing National Innovation for US Stablecoins (Genius) Act, signed into law on July 18, is being viewed as a landmark step toward crypto mainstream adoption.
Also Read: Coinbase CEO Says Genius Act Will Replace the Outdated Financial System Forever
The Genius Act establishes a legal framework for dollar-pegged stablecoins, which could provide the regulatory clarity the industry has long lacked. The bill marks a significant departure from the prior administration’s heavy-handed enforcement approach, which saw multiple lawsuits hinder crypto innovation, including Ripple’s own high-profile clash with the SEC.
For context, Ripple Labs’ legal troubles began in 2020 when the SEC sued the company over alleged securities violations related to XRP sales.
The case led to the loss of a major partnership with MoneyGram in 2021 and cast doubt over XRP’s future. However, a partial legal victory has since brought new life to the token. A federal judge ruled that XRP is not a security when sold to retail investors, although the company still faces penalties related to institutional sales.
Real-World Use Remains XRP’s Strength
Moreover, USA Today noted that, unlike many crypto projects that focus on speculative decentralized applications (dApps), XRP’s value lies in its practical use for cross-border payments. With ultra-low fees and high transaction speed, XRP is well-suited for bridging currencies in international transactions.
The process is simple: a user in the U.S. can buy XRP with dollars, send the XRP across borders, and convert it to the recipient’s local currency, all within seconds and without the traditional banking fees or delays. This use case becomes even more streamlined with the growing presence of stablecoins.
Rather than seeing stablecoins as competition, Ripple Labs launched its own USD-pegged stablecoin, RLUSD, in 2024. Built on the XRP Ledger, RLUSD supports XRP’s value by requiring XRP for transaction fees, which are burned, reducing supply and potentially boosting long-term value.
USA Today Says XRP is a Long-Term Play, Not a Quick Flip
At $3.01 per token and a market cap of $178 billion, XRP is no longer a hidden gem, but that’s not necessarily a downside. Its size brings stability, credibility, and real-world relevance. While it may not deliver the explosive gains of its early days, XRP’s future looks increasingly bright for investors who value steady growth over short-term speculation.
With growing regulatory clarity and a focus on utility, XRP is shaping up to be a serious contender in the future of global finance.
Also Read: Ripple’s RLUSD Quietly Crosses $600 Million Market Cap – Here’s What It Means for XRP Holders
