XRP
XRP #5Project Safety Score: 65%
Updated 8 minutes agoRecord
Health
Security
Behavioral
& Liquidity
XRP is the native token of the XRP Ledger, a Layer 1 blockchain designed for global payments. Founded in a modern form by Jed McCaleb and Chris Larsen, with origins tracing back to 2004, the network facilitates near-instant cross-border settlements. XRP serves as a bridge asset between fiat currencies, helping financial institutions reduce liquidity costs and eliminating the need for pre-funded accounts. The network processes around 1,500 transactions per second and employs a federated consensus protocol for transaction validation.
The governance model relies on a Unique Node List of trusted validators who must achieve an eighty percent consensus to confirm transactions. A small amount of XRP is burned with each transaction to protect the network from spam. Institutional adoption increased significantly with the approval of spot XRP ETFs by the SEC in November 2025, leading to listings on major exchanges. While Ripple is a main contributor, the XRP Ledger functions as an open-source decentralized network.
Risk Report
Cryptocurrency carries risk. Every project listed on this site, regardless of its score, operates in a volatile and largely unregulated market. Tokens can lose most or all of their value. A high score reflects lower structural risk based on the data we can measure. It does not mean a project is safe, that the price will hold, or that losses are unlikely. Always research independently and never commit money you cannot afford to lose.
Track record score 71 out of 100. XRP has been operational for 14.3 years, which reflects a strong history in the crypto space. However, it has faced one regulatory action and one historical incident, impacting its regulatory profile. Additional concerns raised during the research process are noted but do not seem to undermine the overall reliability of the project compared to others in the space.
Economic design score 80 out of 100. XRP has a clearly defined supply cap of 100 billion tokens, which adds to its attractiveness as an asset. While 62% of the total supply is currently circulating, the project maintains a controlled and transparent economic framework, enhancing investor confidence.
Developer health score 50 out of 100. The project has a solid GitHub presence with 4,384 stars and 1,525 forks, indicating a level of community engagement. However, the recent commit cadence is somewhat low, with only four commits in the past four weeks and 62 contributors making pull requests. This may suggest a need for improved development activity to keep the project vibrant.
Network security score 86 out of 100. With a market cap of over $88 billion and a long-standing chain age, XRP demonstrates substantial economic security. The historical incident recorded does pose some risk, but the overall strength in security metrics indicates a robust and well-established network.
Social behavioral score 35 out of 100. While XRP has verified social accounts on various platforms, the audience engagement data is limited. Sentiment analysis appears overwhelmingly positive, yet the presence of scam allegations, regulatory concerns, and a history of incidents contribute to a less favorable score in this category.
Adoption liquidity score 84 out of 100. XRP boasts impressive adoption metrics, including a daily trading volume exceeding $2 billion and 64 listings on centralized exchanges, 38 of which are classified as trustworthy. This positions XRP favorably for liquidity and accessibility in the market.
Overall, while XRP has several strong attributes that contribute to its high score, there are inherent risks associated with regulatory scrutiny and past incidents. Investors should weigh these factors carefully when considering this asset in their portfolios.
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Prior: E-Loan, Prosper MarketplaceCo-founder and CEO of Ripple Labs, previously co-founded E-Loan and Prosper Marketplace.
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Prior: Mt. Gox, StellarCo-founder and CTO of Ripple Labs, previously founded Mt. Gox and Stellar.
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Comprehensive security audit of the XRP Ledger, identifying no critical vulnerabilities.
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0.8
8.5 million XRP lost to fake airdrops and YouTube giveaway scams since 2019.CoinTelegraph · source ↗
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U.S. Securities and Exchange Commission (SEC) 2020-12-22Filed a lawsuit alleging that Ripple Labs and its executives conducted an unregistered securities offering by selling XRP. ↗
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unauthorized access 2024-01-31 · $112500000Unauthorized access to Ripple co-founder Chris Larsen's personal XRP accounts, leading to the theft of approximately 213 million XRP, valued at around $112.5 million. ↗
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CoinDesk · 2024-01-31
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CoinTelegraph · 2023-12-15
- ✓High-profile venture capital backing from firms like Andreessen Horowitz and Pantera Capital.
- ✓Achieved 100% decentralization milestone for the XRP Ledger.
- ✓Active development and open-source codebase on GitHub.
- ✗Regulatory action has been taken against this project
- ✗Public scam allegations have been raised
- ✗Centralized control over XRP's supply by Ripple Labs.
- ✗Legal challenges regarding XRP's classification as a security.
- ✗Incidents of unauthorized access to personal XRP accounts.
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