Should You Buy XRP While It's Under $2.50?

Core Viewpoint - XRP has experienced significant price fluctuations, nearly quadrupling in late 2024 due to favorable political outcomes and the resolution of a lawsuit, but remains overvalued compared to traditional payment companies [1][6]. Group 1: Price Movement and Market Context - XRP surged from $0.50 to $2.70 in late 2024 and reached an all-time high of $3.56 in July 2025, before retreating to $2.20 as of November 6, 2025 [1][2]. - The cryptocurrency's recent price movements have led to speculation about whether it is a good buying opportunity while trading below $2.50 [2]. Group 2: Business Performance and Comparisons - RippleNet processed a total payment volume (TPV) of $57.7 billion in the quarter ending September 30, 2025, which is notable but still significantly lower than PayPal's TPV of $458.1 billion during the same period [3][4]. - Despite RippleNet's impressive TPV, it generates far less revenue than PayPal, which reported $8.4 billion in revenue, raising questions about XRP's valuation compared to traditional payment companies [4][6]. Group 3: Valuation Perspective - XRP's current price is considered speculative and does not reflect its fundamental business performance, as it trades at levels that ignore significant market risks [6]. - The argument that XRP's value is determined solely by market perception is seen as weak, especially when compared to tangible assets like gold and real estate [5][7].