XRP News Today: XRP's $3.55 Price Tag Draws Retail Investors Amid Bitcoin's $120,000 High

In 2025, the cryptocurrency market is experiencing a significant shift as many first-time buyers are seeking affordable entry points. Bitcoin is trading near $120,000, and Ethereum is above $3,500, making them less accessible for new investors. In contrast, XRP is priced around $3.60, offering a more budget-friendly option while still maintaining a high market capitalization ranking. This affordability and credibility have attracted a wave of retail investors who are looking for a more accessible entry into the crypto market.

According to Dom Kwok, co-founder of EasyA, the high cost of Bitcoin and Ethereum is driving newcomers towards cheaper tokens. When a single Bitcoin reaches six figures, it becomes less attainable for many. XRP, on the other hand, provides a reputable standing without the high price tag, making it an attractive option for small buyers. This combination of affordability and credibility is drawing a significant number of new investors to XRP.

Historically, tokens with low unit prices have tended to attract attention. For example, Shiba Inu once traded at roughly $0.00000000001, allowing buyers to purchase billions of tokens for just a few dollars. Similarly, Dogecoin experienced a surge in popularity due to its low price and meme status. However, XRP stands out because it has real-world applications, such as moving money across borders quickly and cheaply, which adds a layer of trust and utility that many meme coins lack.

The legal battle involving Ripple's US lawsuit is also influencing market sentiment. The final court ruling could significantly impact XRP's appeal. A win for Ripple could solidify XRP's position and maintain strong retail flows, while a loss could deter buyers and cause prices to drop. Retail investors are closely monitoring the legal developments, as they are quick to react to any changes in the legal landscape.

The holder base of XRP is dominated by small players, with nearly 6.7 million wallets holding the token. Of these, about 5.7 million belong to retail investors—accounts with under 1,000 XRP. This broad distribution indicates that everyday buyers have already entered the market, rather than just large institutions. The excitement within the XRP community is palpable, with many holders believing that the token is still in its early stages despite its 2012 debut. However, analysts warn that excessive optimism could reverse quickly if the broader market cools down.

Looking ahead, XRP's low price and high market capitalization ranking could sustain retail interest, at least until a new trend or token captures the spotlight. If Bitcoin dips below $100,000 or a fresh token gains attention, retail flows may shift. For now, XRP's price tag of around $3.55 and its large-cap status have made it a token to watch for many first-time investors seeking their first crypto win.