XRPXRP

The coin of the XRP Ledger, a payments network; the US company Ripple holds about a third.

Rank #5Since June 2012

Price on 31 Oct 2026

C$1.74 +17.3% since 31 Jul 2026 · 65.2% below its all-time high

The short version

XRP is the coin of the XRP Ledger, a payments network with a built-in exchange, used for cross-border transfers, stablecoins and tokenized assets. All 100 billion XRP were created in 2012; Ripple Labs of San Francisco holds about 32 billion in escrow and releases 1 billion a month. On 26 Oct 2026 Ripple won final US approval for a national trust bank. On 31 Oct 2026 one XRP cost C$1.74. From 31 Jul 2026 to 31 Oct 2026 its price changed +17.3% in Canadian dollars, and it was 65.2% below its all-time high of C$5.01 set on 17 Jul 2025.^[1]

Checked 31 Oct 2026 · 11 sources · next update about 1 Dec 2026

Price, past year

Past year: high C$3.54 (11 Nov 2025) · low C$1.38 (17 Aug 2026) · -50.3%^[1]

Month-end prices (table)

Date	C$	US$
31 Oct 2026	C$1.74	US$1.25
30 Sep 2026	C$2.12	US$1.49
31 Aug 2026	C$1.88	US$1.36
31 Jul 2026	C$1.52	US$1.08
30 Jun 2026	C$1.50	US$1.05
31 May 2026	C$1.85	US$1.34
30 Apr 2026	C$1.86	US$1.37
31 Mar 2026	C$1.84	US$1.32
28 Feb 2026	C$1.87	US$1.37
31 Jan 2026	C$2.35	US$1.74
31 Dec 2025	C$2.57	US$1.87
30 Nov 2025	C$3.09	US$2.20

Daily prices from CoinGecko; C$ converted at the Bank of Canada daily rate. The latest point is live when available. Past prices, not a forecast.

Choose what to see

Key facts

Price, 31 Oct 2026: C$1.74^[1]
3-month change: +17.3% in C$ (31 Jul 2026 to 31 Oct 2026)^[1]
From its high: 65.2% below its high of C$5.01 (17 Jul 2025)^[1]
Market rank: #5, market value about C$110.4B^[1]
Kind: Native coin · XRP Ledger (its own network)
Started: June 2012

Checks: the same 9 questions for every coin

Facts, not a rating

Can an admin key create new coins?NoAll 100B XRP were created in 2012; the protocol creates no new XRP^[2]

Can anyone freeze or take coins from holders?NoXRP itself cannot be frozen; issuers can freeze only their own tokens^[3]

Can the token's contract code be changed?Not applicableRuns on its own blockchain; its rules change only through network upgrades

Is the supply capped?Yes100B maximum, all created at launch^[2]

Any scheduled unlocks in the next 12 months?Yes1B XRP a month leaves escrow; net additions about 4-6% of circulating (estimate)^[4]

Does a team or foundation hold over 10% of supply?YesRipple's escrow alone holds about 32% of the 100B maximum^[4]

Do network fees reach coin holders?YesAll fees are burned, US$0.28M in the past year^[5]

Main network hacked or halted in the past 2 years?YesThe ledger halted for about 64 minutes on 4 Feb 2025^[6]

Is a regulator or court case targeting the coin itself?NoSEC case ended in 2025; named a digital commodity on 17 Mar 2026^[7]

Each answer is a fact with a source, not a score. What each check means.

Who controls it

Main company: Ripple Labs (San Francisco), founded 2012; the ledger software is open source and run by independent validators^{[8, 6]}
Largest holder: Ripple's escrow, about 32B XRP, about 32% of the 100B maximum, Sep 2026^[4]
Trust bank: OCC final approval for Ripple National Trust Bank on 26 Oct 2026; RLUSD stays NYDFS-regulated^{[8, 9]}

Supply

In circulation: 63.35B XRP of a 100.00B maximum (63.4%)^[1]
Fully diluted value: 1.58 times its current market value^[1]
Circulating: About 63.35B of 100B XRP, per CoinMarketCap on 31 Oct 2026^[2]
Escrow releases: 1B XRP leaves escrow on the 1st of each month; Ripple re-locks most, net 200-300M a month^[4]
New coins: None; all 100B XRP were created at launch^[2]

Use and fees

Main use: Payments, a built-in exchange and AMM, stablecoins such as RLUSD, and tokenized assets^{[8, 5]}
Network fees: US$0.28M in the past year, all burned; apps on the ledger took US$6.72M^[5]
Activity: US$319M locked in apps and US$786M of stablecoins on the ledger, 31 Oct 2026^[5]

Trading

Daily trading: About C$3.5B a day on average, 31 Jul 2026 to 31 Oct 2026^[1]
Daily turnover: Typically 2.38% of its market value changes hands each day^[1]
20-week average: 0.2% above its 20-week average price^[1]
1-year change: -50.2% in C$^[1]^[10]

History

Not a forecast

Coins ranked 2-10 at this point in past cycles (12-14 months after a Bitcoin peak), one year later: 243 cases, 23 coins

49% were higher a year later^[11]

Typical result: Median -1% after a year; 72% higher after two years
Lost half or more: 21% within a year
Against Bitcoin: 7% did better than Bitcoin over the year

History, not a forecast.

Red flags and things to watch

1 red flag found

Red flag: The XRP Ledger stopped confirming new ledgers for about 64 minutes on 4 Feb 2025 before resuming; no user funds were lost.^[6]

Ripple releases 1B XRP from escrow on the 1st of each month and usually re-locks most of it.^[4]
On 26 Oct 2026 the OCC gave final approval for Ripple National Trust Bank, which will hold RLUSD reserves and offer custody.^{[8, 9]}
XRP was among 16 assets named digital commodities by the SEC and CFTC on 17 Mar 2026.^[7]

Checked: admin keys, contract upgrades, unlocks, insider supply, hacks, legal actions and claims against records.

Sources and dates

Facts as of 31 Oct 2026. Prices from CoinGecko in Canadian and US dollars; US$ figures without a C$ price are converted at 1.3976 C$ per US$.