Since inflation is sniffing away for savings and stocks that deliver modest returns, many investors are looking for any other ways. An investment of 500 US dollars in the S&P 500 could only earn $ 50 a year if the average return of 10% corresponds.
For those who are willing to accept more risks, cryptocurrency continues to arouse interest – especially XRP, which is now called one of the intelligent crypto purchases.
New law gives crypto a thrust
On July 18, US President Donald Trump signed the Genius Act and directed and established and established national innovation for US stable coins. The new legislation builds a legal regime for stable coins supported by the US dollar.
It is something that could flow into the world of crypto by providing them with clearer guidelines.
XRP is the most intelligent cryptocurrency that you can currently buy with 500 US dollars. Https://t.co/t4rop0mkdt
– USA Today (@usatoday) August 2, 2025
Ripple Labs, the entity behind XRP, belonged to several that were violated by previous regulatory ambiguity. The 2021 lawsuit against Ripple complained to give up the money gram to give up XRP-based payment solutions.
But now that XRP is no longer regarded as security when retail buyers are sold, part of the pressure has been replaced. Ripple can still expect fines in connection with previous institutional sales, but the landscape is now changing.
This report is based on an opinion subject of Will Ebiefung from Motley Fool, which was published in USA Today. In his view, thanks to its real utility and its latest legal clarity, XRP could be one of the most intelligent cryptocurrencies that they can buy today.
XRP aims at real use, not the hype
While many cryptocurrencies are used in highly speculative apps, XRP remains on what it can best do: to move money quickly and cheaply. Transactions cost only 0.00001 XRP and are completed in seconds. This makes it ideal for international payments in which delays and fees are common.
Image: bitFlyer
Ripple continued things in 2024 by starting Rlusd, a stable coin that stood on the US dollar. RLUSD runs in the XRP Ledger and uses XRP to pay network fees that are then burned. This means that every RLUSD transaction could help reduce the overall range of XRP and to support their value over time.
For users who send money between the countries, XRP can act as a bridge. Dollar can be quickly converted into Yen or other currencies without relying on traditional banking rails. RLUSD makes this process even smoother while he stays XRP.
XRP is currently $ 2.89 and has a market capitalization of $ 170 billion. It is the third largest cryptocurrency according to size. It may not be to see the wild profits of its early years again, but analysts – how does Ebartung – believe that the “most intelligent crypto” still has space to grow.
Selected picture of Room RF, Diagram by Tradingview
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