XRP vs Monero

General

Description

XRP Logo
XRP
 (XRP)

XRP is the cryptocurrency of the RippleNet payment network, developed by the company Ripple. Ripple focuses primarily on financial institutions such as banks and payment service providers. Its goal is to make cross-border payments across different currency zones more cost-effective and efficient.

What is XRP?
Monero Logo
Monero
 (XMR)

Monero is a decentralized cryptocurrency designed for private and difficult-to-trace payments. Unlike most public blockchains, the sender, recipient and amount of every transaction are concealed by default. This protects users’ financial privacy and prevents individual XMR from being treated differently based on their transaction history.

What is Monero?
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Purpose and goals

XRP Logo
XRP
 (XRP)
  • Payment network for financial institutions
  • Efficient cross-border payments
  • Liquidity for network participants
Monero Logo
Monero
 (XMR)
  • Digital currency
  • Private and censorship-resistant payments
  • Decentralized mining on standard hardware
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Price and market data

Chart

XRP
 (XRP)

$1.0649

-1.6%
Monero
 (XMR)

$353.62

+1.6%
Market data
XRPMonero
All-time high
$3.6500
Jul 17, 2025
-70.8%
$797.73
Jan 14, 2026
-55.7%
Crypto all-time highs
Market cap
$66.59B
$6.64B
Market share
2.92%
0.29%
Transaction volume (24h)
$959.51M
-2.9%
$84.92M
+20.5%
Exchange rate

1 XRP = $1.0649

1 XMR = $353.62

XRP converterXMR converter
Prediction for 2026
Powered by AI
$1.4191
+33.1%
$468.72
+32.0%
XRP predictionXMR prediction
Price trend
Positive
(15/30 days)
Positive
(17/30 days)
Momentum
Positive
NegativePositive
Positive
Positive
NegativePositive
Positive
Relative Strength Index
Neutral
BuySell
Neutral (44.07)
Neutral
BuySell
Neutral (54.1)
News sentiment
Positive
NegativePositive
Positive (86/100)

Last 7 days

Neutral
NegativePositive
Neutral (43/100)

Last 12 months

XRP newsXMR news
Price performance
--1.0%
--2.2%
Price performance
--1.6%
++1.6%
Price performance
--6.2%
++10.8%
Price performance
--65.2%
++19.5%
Annual return
--42.8%
--20.0%
Annual return
--8.8%
++130.0%
Annual return
++231.1%
++15.1%
XRP returnsXMR returns
Average annual return
++2,436.9%
++397.4%
Max supply
100B
Circulating supply
62.53B
18.79M
Inflation
5.44%
Year
1.85%
Year
Crypto inflation

On-chain data

XRPMonero
Total Value Locked (TVL)
$31.72M
What is Total Value Locked?
Market cap/TVL (ratio)
2,099.2
Transactions (24h)
1.37M
28,814
Active addresses (24h)
35,020

Our rating

Our rating
XRPMonero
Our overall rating
XRP
Monero
How we evaluate cryptocurrencies

Our individual ratings

Risk
XRP: 1 of 10
Risk (XRP)
Monero: 5 of 10
Risk (Monero)
XRP Logo
Monero Logo
riskyless risky
Community
XRP: 6 of 10
Community (XRP)
Monero: 7 of 10
Community (Monero)
XRP Logo
Monero Logo
smalllarge
Hype & momentum
XRP: 2 of 10
Hype & momentum (XRP)
Monero: 6 of 10
Hype & momentum (Monero)
XRP Logo
Monero Logo
weakstrong
Active usage
XRP: 3 of 10
Active usage (XRP)
Monero: 7 of 10
Active usage (Monero)
XRP Logo
Monero Logo
lowhigh
Network effect
XRP: 1 of 10
Network effect (XRP)
Monero: 6 of 10
Network effect (Monero)
XRP Logo
Monero Logo
weakstrong
Decentralization
XRP: 1 of 10
Decentralization (XRP)
Monero: 7 of 10
Decentralization (Monero)
XRP Logo
Monero Logo
centralizeddecentralized

Our opinion

XRP Logo
XRP
 (XRP)
Ripple is a solid company with a clear vision for cross-border payments and has already secured numerous financial partners. Following the largely favorable SEC ruling in 2023, regulatory uncertainty in the U.S. has largely been resolved, and XRP is now actively used in ODL flows, giving it a proven real-world use case. However, several structural issues remain: Ripple's massive token holdings create ongoing selling pressure and raise concerns about centralization, while many RippleNet partners use the technology without XRP, which calls into question whether the token is truly essential in the long run. Additionally, the rise of central bank digital currencies (CBDCs) could eventually make XRP's role as a bridge asset obsolete. While the technology works and has carved out its niche, XRP's price performance appears to be driven more by speculation than by underlying demand.
What is XRP?
Monero Logo
Monero
 (XMR)
Monero is the most uncompromising major crypto project focused on private payments. Unlike Bitcoin or Ethereum, it conceals the sender, recipient and amount by default, strengthening fungibility and censorship resistance. Its real-world use for legitimate private payments and on darknet marketplaces demonstrates genuine demand, while also explaining the intense regulatory pressure. Monero also benefits from its long track record, fair launch without an ICO or pre-mine, and independent open-source development. At the same time, exchange delistings restrict access, liquidity and institutional adoption. Monero does not guarantee complete anonymity either, as exchange data, IP addresses or compromised devices may still reveal information about users. Overall, we view Monero as the strongest project for private digital money, although regulatory risks are likely to limit its long-term growth.
What is Monero?
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Key data

Key data
XRPMonero
Sector
Currency
Privacy
Key feature
Payment Network
Private transactions by default
Founder
Ryan Fugger, Chris Larsen, Jed McCaleb
thankful_for_today (pseudonym)
Developer
Ripple Labs
Monero Project (open source)
Published
2012
2014
Institutional investors
  • Andreessen Horowitz
  • Arrington XRP Capital
  • Astronaut Capital
  • Pantera Capital
  • Blockchain Capital
  • ValueNet Capital
  • etc.
Social media
3.18M followers
530,292 followers
Website
xrpl.org
www.getmonero.org
Whitepaper
Whitepaper
Whitepaper

Technical details

Technical details
XRPMonero
Blockchain
XRP Ledger
Monero Blockchain
Consensus mechanism
Ripple Consensus Algorithm
Proof of Work (RandomX)
Staking
No
No
Open source
Yes
Yes
Energy consumption
Low
High
Transactions per second
1,500 TPS
90 TPS
XRP vs Monero

XRP or Monero

Market data comparison of XRP versus XMR

The current price of XRP is $1.0649 and has decreased by 1.0% in the last 24 hours. Monero is currently trading at $353.62, with a drop of 2.2% over the same period. XRP has a market cap of $66.59B and ranks 6th. Monero follows with a market cap of $6.64B, ranking 17th — meaning it is valued lower.

We automatically update all market data every 15 minutes, so you always have the latest figures for your comparison.

Should I buy XRP or Monero?

You should be aware that investing in cryptocurrencies carries risks, and we are neither allowed nor intending to provide investment advice. Still, we'd like to offer some food for thought: consider the opportunities and risks associated with both XRP and Monero. What target markets and problems are these two projects aiming to address?

If you're still unsure whether to invest in XRP or Monero, you can take a look at some additional market data to help with your decision:

Currently, XRP is about -70.8% below it's all-time high of $3.6500 reached Jul 17, 2025.
In comparison, Monero is down approximately -55.7% from it's all-time high of $797.73 Jan 14, 2026.
XRP currently has a 1,029.9% higher 24h transaction volume of $959.51M compared to Monero with $84.92M.
Over the past year, XRP achieved a total return of -65.2%, while Monero returned +19.5%. Keep in mind, however, that past performance rarely guarantees future results.

Additional criteria for comparing cryptocurrencies:

  • What problem does the project aim to solve, and is a decentralized network meaningful and necessary for it?
  • How actively is the network being used?
  • Does the project have a large and active community?
  • How strong is the development activity? (e.g., on GitHub)
  • How decentralized is the underlying blockchain and the project itself?

How we evaluate cryptocurrencies

These are just a few indicators you can use to better evaluate and compare cryptocurrencies like XRP and Monero. Cryptocurrencies and their underlying technologies are often difficult to compare — even for professionals. So don’t stress yourself out, and never let emotions or fear of missing out drive your investment decisions.

Where can I buy XRP or Monero?

Today, there are many reputable and secure exchanges that make it easy to invest in XRP and Monero. We're happy to help you choose the right one: simply use our exchange comparison tool to find the platform that best suits your needs. Both XRP and Monero are well-known and in high demand, which means they're available on most major exchanges.

Crypto exchanges comparison

Which crypto wallet is best for XRP and Monero?

If you want to store cryptocurrencies like XRP or Monero yourself, choosing the right wallet is essential. Consider your personal preferences when deciding: Is ease of use important to you? Do you prefer maximum security with a hardware wallet (USB device), or is a software wallet sufficient for your needs? Our crypto wallet comparison helps you find the best wallet for XRP, Monero, and many other cryptocurrencies.

Crypto wallets comparison