Tag: XRP

  • 12 Best Crypto to Buy Right Now — October 2026

    12 Best Crypto to Buy Right Now — October 2026

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    Are you looking to invest in cryptocurrencies but unsure which one to buy? With so many options available, it can be overwhelming to decide how to invest your money. That’s why we’ve compiled a list of the best crypto to buy now, based on factors such as project developments, price performance, and market capitalization, as well as the overall potential for growth.

    In this article, we’ll take a closer look at the most promising cryptocurrencies, including staples such as Bitcoin and Ethereum, and a combination of several other promising crypto projects. We’ll discuss their features, advantages, and potential drawbacks, as well as provide insights into market trends. Whether you’re a seasoned investor or just starting out, this article will help you make an informed decision about the best crypto to buy now. 

    So, let’s dive in and explore the best cryptocurrencies to invest in October 2026:

    1. Bitcoin – The world’s oldest and largest crypto
    2. Ethereum – The leading DeFi and smart contract platform
    3. Zcash – Privacy-focused cryptocurrency
    4. XRP – The leading crypto remittance solution
    5. Solana – Smart contracts platform with high speeds and low fees
    6. NEAR Protocol – AI and scalability focused blockchain
    7. Uniswap – The pioneering automated market maker protocol
    8. Monero – A privacy-first cryptocurrency with fully obfuscated transactions
    9. Chainlink – The largest decentralized oracle network
    10. Cardano – Research-driven smart contract platform 
    11. Hyperliquid – Decentralized perpetuals exchange with an efficient order book
    12. BNB – The native coin of the Binance exchange

    The best cryptos to buy right now: Discover top investments for October 2026

    The following three cryptocurrency projects highlight our investment selection thanks to important developments and upcoming events that make them especially interesting to follow in the near future. These projects are updated each week based on the most recent developments and trends taking place in the crypto market.

    1. Bitcoin

    Bitcoin (BTC) is the original decentralized digital currency, enabling peer-to-peer transactions without the need for intermediaries such as banks or financial institutions. It was created in 2009 by an unknown person or group of people using the pseudonym Satoshi Nakamoto. Bitcoin was the first digital currency to eliminate the double spending problem without resorting to any central intermediaries.

    Bitcoin transactions are recorded on a public ledger called the blockchain, which is maintained by a network of computers around the world. This means that the transactions are secure and transparent, as anyone can view them, but they are also anonymous, as the identity of the participants in the transaction is not revealed.

    Bitcoin is often referred to as “digital gold” or a store of value, as it has a limited supply of 21 million coins, and its value is determined by market demand. Some people also see it as a hedge against inflation or a way to diversify their investment portfolio. It is by far the largest cryptocurrency by market cap in the industry, accounting for the value of more than 50% of all digital assets in circulation combined, making it arguably the most popular crypto to buy.

    Why Bitcoin?

    Bitcoin is trading at $80,445 after slipping below the $81,000 level as renewed geopolitical tensions and rising oil prices weighed on global risk assets. Brent crude climbed to $116 per barrel, its highest level in seven months, amid concerns over further escalation in the US-Iran conflict. The resulting uncertainty pressured US equities and pushed Bitcoin below its 50-day simple moving average near $81,781, leaving traders focused on whether buyers can defend the $80,000 support area.

    Despite the recent price weakness, institutional adoption continues to expand. Switzerland’s financial regulator FINMA approved the country’s first Bitcoin ETF that invests directly in BTC and is accessible to retail investors, marking an important milestone for regulated crypto investment products in Europe. Meanwhile, BlackRock filed for its third Bitcoin ETF, the iShares Bitcoin Managed Protection ETF (PBIT), which would use options linked to its existing IBIT fund to provide limited downside protection in exchange for capped potential gains. The proposed product highlights growing demand for alternative Bitcoin investment strategies, with BlackRock’s flagship IBIT already managing approximately $65.7 billion in assets.

    BlackRock’s expanding lineup of Bitcoin and Ethereum investment funds. Source: BlackRock

    Looking ahead, traders are closely watching Bitcoin’s ability to reclaim its 50-day moving average around $81,781. A sustained recovery above this level could improve short-term momentum, while failure to do so may trigger another test of support between $78,000 and $80,000. The $80,000-$81,500 region remains particularly important because it represents the aggregate cost basis of US spot Bitcoin ETF investors. Although expanding institutional access provides a positive longer-term backdrop, elevated oil prices and geopolitical uncertainty could continue to limit Bitcoin’s near-term upside.

    2. Ethereum

    Launched in 2015 by Vitalik Buterin and a team of developers, Ethereum is a decentralized, open-source blockchain platform that allows developers to build decentralized applications (dApps) and smart contracts. 

    Ethereum has a wide range of use cases beyond just a store of value or medium of exchange. Ethereum’s smart contract functionality allows developers to build dApps that can run without the need for intermediaries, like centralized servers or institutions.

    The Ethereum platform has gained widespread adoption and has become the backbone of the decentralized finance (DeFi) industry. DeFi applications built on Ethereum allow users to access financial services without relying on traditional banks or financial institutions. Ethereum’s smart contract functionality has also enabled the creation of non-fungible tokens (NFTs), which have gained popularity in the digital art and gaming worlds.

    While Ethereum has a strong community and has been highly influential in the cryptocurrency industry, it also faces challenges, such as scalability issues and high gas fees. These issues have spurred the development of various Layer 2 scaling solutions. In the long run, future updates are supposed to massively increase Ethereum’s throughput bringing the transaction per second (TPS) figure from 15 to 100,000.

    Why Ethereum?

    Ethereum is trading at $2,323 after briefly falling below $2,300 as renewed selling pressure and uncertainty surrounding its upcoming Glamsterdam upgrade weighed on market sentiment. ETH dropped to approximately $2,285 over the weekend, extending its decline to roughly 12% from early-October levels. Institutional demand has also weakened, with US spot Ethereum ETFs recording approximately $220.7 million in net outflows over five trading sessions, complicating attempts to recover toward the $2,500 level.

    US spot Ethereum ETFs recorded approximately $220.7 million in weekly net outflows. Source: Farside Investors

    Ethereum’s development roadmap encountered a setback after researchers identified security concerns involving two gas-scaling proposals included in the Glamsterdam upgrade. The vulnerabilities could affect at least 13 DeFi smart contracts, prompting developers to postpone the planned Hoodi testnet activation while further investigations continue. Researchers from the Ethereum Foundation and Ethlabs have also deployed AI agents to examine potential vulnerabilities and coordinate their findings. Despite the delay, institutional adoption continues to advance, with JPMorgan deploying its JPM Coin deposit token on Ethereum’s mainnet, allowing approved institutional clients to make payments, settle tokenized asset transactions and transfer collateral around the clock.

    Looking ahead, traders are watching whether Ethereum can maintain support around $2,300 and reclaim the $2,400 resistance level. A sustained breakout could open the door to a recovery toward 2,480-2,500, with 2,550-2,600 emerging as the next potential target if momentum strengthens. However, a decline below the recent $2,285 low could expose further downside toward $2,200. While JPMorgan’s expansion highlights Ethereum’s growing role in institutional finance, continued ETF outflows and uncertainty surrounding Glamsterdam’s testing schedule may limit near-term upside.

    3. Zcash

    ZCash (ZEC) is a privacy-focused cryptocurrency that was launched in 2016 by Zooko Wilcox-O’Hearn. It is a fork of Bitcoin, designed to enhance privacy and anonymity for its users. Unlike Bitcoin, where transaction details (such as sender, recipient, and amount) are publicly visible, ZCash allows users to choose between two types of transactions: transparent and shielded.

    Transparent transactions work similarly to Bitcoin, where all transaction details are recorded on the blockchain and visible to everyone. However, shielded transactions use a cryptographic technology called zk-SNARKs to allow fully private transactions. In shielded transactions, the details are encrypted, meaning that only the parties involved have access to the information, while the validity of the transaction is still verifiable by the network.

    ZCash is particularly valued by those who prioritize financial privacy and security, as it offers optional anonymity in a way that few other cryptocurrencies do.

    Why Zcash?

    Zcash is trading at $1,223 after rebounding from its recent October correction, supported by renewed buying interest and optimism surrounding the network’s upcoming NU7 upgrade. ZEC recently gained as much as 12% in a single day after developers agreed on a proposed mainnet activation block, extending its year-to-date gains to more than 148%. The recovery has also been amplified by short liquidations, with approximately $11.74 million in leveraged positions liquidated during one 24-hour period, predominantly affecting bearish traders. However, institutional demand remains uneven, with reported redemptions from Grayscale’s Zcash investment product exceeding $115 million across 13 October trading sessions.

    The main catalyst behind Zcash’s recovery is progress toward its NU7 network upgrade, which developers are targeting for activation around November 5 at block 3,543,405. The upgrade aims to reduce Zcash’s target block time from 75 seconds to just 25 seconds, allowing transactions to receive confirmations significantly faster. Although developers have agreed on the activation height, several preparations remain unfinished, including Zebra node synchronization work and finalizing upgrade specifications. The Zcash Foundation’s readiness tracker recently showed six of 12 tasks completed, leaving some uncertainty around whether the planned activation date can be maintained.

    Zcash NU7 mainnet activation is targeted for November 5, with preparations still underway. Source: Zakura

    Looking ahead, traders are watching whether Zcash can establish support above $1,250 and challenge resistance between $1,300 and $1,350. A sustained breakout above this region could open the door to $1,400, while renewed weakness below $1,200 may expose support around $1,100 and the recent $1,040 low. Although the upcoming NU7 upgrade provides a potential catalyst for renewed interest, continued investment product outflows and elevated derivatives activity suggest that ZEC could remain volatile as the activation date approaches.

    4. XRP

    XRP is a digital cryptocurrency that was created by Ripple Labs in 2012. It is used as a means of payment and transfer of value on the Ripple payment protocol, which is designed to enable fast and secure transactions between financial institutions as well as individuals.

    XRP is unique in that it is not based on the blockchain technology used by many other cryptocurrencies. Instead, it uses a distributed consensus ledger called the XRP Ledger, which is maintained by a network of validators. This allows for faster transaction processing times and lower fees compared to traditional payment methods.

    XRP has been popular among cryptocurrency traders and investors due to its high liquidity and clear potential for broader adoption, especially as a remittance solution. However, it has also been the subject of controversy and legal action, with US regulators alleging that it is a security and should thus be subjected to securities regulations. This has somewhat hindered the potential of XRP as an investment, and handcuffed Ripple’s growth as a company.

    Why XRP?

    XRP is trading around $1.31 as selling pressure from large holders continues to weigh on market sentiment. According to CryptoQuant, whale deposits to Binance reached 1.669 billion XRP over the past 30 days, their highest level in seven months and equivalent to approximately $2.2 billion. Exchange reserves have also increased, with tracked wallets adding nearly 84 million XRP between October 12 and 15. While these transfers do not necessarily represent confirmed sales, the growing amount of XRP moving onto exchanges has raised concerns about additional downside pressure, particularly as institutional investment demand becomes less consistent.

    XRP whale inflows to Binance reached their highest level in seven months. Source: CryptoQuant

    Meanwhile, the XRP Ledger is preparing for another network upgrade, with the fixCleanup3_4_0 amendment expected to activate on October 23 if validator support remains above the required threshold. The upgrade addresses technical issues involving token permissions, automated market makers, escrow transactions and other network functions. However, the proposed native lending protocol remains below the necessary approval threshold, delaying the introduction of additional decentralized lending capabilities. At the same time, former Ripple adviser Anthony Welfare has cautioned that growing institutional adoption of XRPL may not necessarily translate into stronger XRP demand, as banks can use stablecoins such as RLUSD for settlement without relying on XRP as the primary transfer asset.

    XRP Ledger’s upcoming cleanup amendment has secured support from 30 of 36 trusted validators. Source: XRPL amendment tracking

    Traders are watching whether XRP can stabilize around $1.30 as rising exchange inflows threaten to prolong the recent weakness. A slowdown in whale deposits, combined with stronger spot buying activity, could help ease selling pressure and support a recovery. Beyond short-term price movements, the October 23 network upgrade and progress toward native lending functionality remain important developments for the XRP ecosystem. However, analysts emphasize that sustained token demand will ultimately depend on whether expanding institutional adoption translates into meaningful XRP liquidity requirements rather than simply increased activity on the underlying ledger.

    5. Solana

    Solana is a smart contract platform known for its distinctive architecture, enabling it to handle thousands of transactions per second while maintaining very low costs. It accomplishes this by using a combination of a unique Proof-of-History algorithm and a Proof-of-Stake consensus mechanism. SOL, the native cryptocurrency of the platform, is one of the cheapest to transfer, with users typically paying less than $0.001 per transaction.

    Founded in 2018 by Anatoly Yakovenko, Solana’s mainnet went live in March 2020 and experienced a surge in adoption throughout 2021. Despite a significant drop in value during the 2022 bear market, Solana remains one of the most robust ecosystems in the cryptocurrency space and continues to be seen as a potential candidate for significant future growth.

    Why Solana?

    Solana (SOL) is trading at $104.62 as investors focus on the blockchain’s improving network resilience and an upcoming consensus upgrade that could significantly accelerate transaction settlement. According to a recent report from Fidelity’s Center for Applied Technology, Solana has made substantial progress in network stability, performance and economic security, recording no reported mainnet outages over the past two years. The report also highlighted strong staking participation, low transaction costs and improving network capacity, although concentration among validators, hosting providers and client software remains a potential risk to decentralization and reliability.

    Meanwhile, Solana is preparing to activate its Alpenglow consensus upgrade on October 21, targeting a reduction in transaction finality from approximately 12.8 seconds to just 150 milliseconds. The upgrade replaces the existing TowerBFT voting mechanism with Votor, allowing validators to exchange votes more efficiently without recording them as ordinary blockchain transactions. As a result, reported transactions per second (TPS) could decline significantly after activation, since validator votes currently account for roughly 63% of Solana’s recorded activity. However, this change would primarily reflect a different accounting method rather than a reduction in actual user transactions.

    Investors will be watching the successful rollout of Alpenglow and whether its faster transaction finality can strengthen Solana’s position in payments, decentralized finance and other high-frequency blockchain applications. The upgrade represents another important step in Solana’s broader performance roadmap, which also includes plans to reduce block slot times toward 200 milliseconds. However, the transition will require validator software changes, while concerns surrounding infrastructure concentration and client diversity remain unresolved. Although improved network performance could support Solana’s long-term adoption, its impact on SOL’s price will ultimately depend on sustained ecosystem activity and broader cryptocurrency market conditions.

    6. NEAR Protocol

    NEAR Protocol is a high-throughput Layer 1 blockchain that uses sharding to scale transaction processing while maintaining fast finality and low fees. In recent years, the project has expanded its focus beyond traditional smart contract applications toward cross-chain infrastructure and AI agents, with the goal of making it easier for both users and autonomous software to interact with assets and applications across multiple blockchains.

    Developers can build smart contracts on NEAR using widely adopted programming languages, including Rust and JavaScript. The protocol also includes incentives for application developers, who can receive a portion of the transaction fees generated when users interact with their smart contracts. NEAR’s architecture is designed to scale dynamically as network activity increases, allowing additional capacity to be added through its sharding system.

    One of the ecosystem’s most notable products is NEAR Intents, a multichain transaction framework that allows users to specify the outcome they want rather than manually determining how a transaction should be executed. Independent solvers compete to fulfill these requests efficiently, abstracting away much of the complexity associated with bridges, gas tokens and individual networks. In practice, NEAR Intents is primarily used for cross-chain cryptocurrency swaps, providing a unified execution layer for moving assets between otherwise separate blockchain ecosystems.

    Why NEAR Protocol?

    NEAR Protocol is trading at $5.73 after surging approximately 140% over the past 30 days, pushing the cryptocurrency into the top 20 digital assets by market capitalization. The rally has been supported by growing adoption of NEAR’s cross-chain infrastructure and the launch of the first US spot NEAR exchange-traded product. Bitwise introduced the fund on September 29 under the ticker NRR, giving traditional investors a new way to gain exposure to NEAR. Meanwhile, daily trading volume recently reached approximately $1.2 billion, reflecting increased market interest following the token’s sharp recovery.

    One of the biggest drivers behind NEAR’s growing adoption is NEAR Intents, its cross-chain trading protocol, which has surpassed $31 billion in cumulative transaction volume. The ecosystem recently expanded through an integration with Infinex, allowing users to access Bitcoin, Dogecoin, XRP and other assets across multiple blockchains without manually managing bridges or separate wallets. NEAR Intents currently supports more than 100 assets across 31 blockchains, with transactions typically settling in around 30 seconds. The integration highlights NEAR’s growing role as cross-chain infrastructure, simplifying asset transfers and improving interoperability between otherwise disconnected blockchain networks.

    NEAR Intents has processed more than $31 billion in cumulative cross-chain transaction volume. Source: NEAR Intents Explorer

    Looking ahead, investors will be watching whether NEAR can maintain its recent momentum as adoption of its chain-abstraction technology continues to expand. The launch of Bitwise’s spot exchange-traded product could provide an additional channel for institutional demand, while integrations such as Infinex may help drive further transaction volume across NEAR Intents. The protocol also recently recovered all $3.8 million lost in an exploit affecting its deposit and withdrawal infrastructure, although the incident highlights the security risks associated with cross-chain services. While NEAR’s expanding ecosystem supports its longer-term outlook, the token’s rapid 140% rally also raises the possibility of short-term profit-taking as traders assess whether current valuations are sustainable.

    7. Uniswap

    Uniswap is the leading decentralized exchange (DEX) built on Ethereum, allowing users to swap cryptocurrencies directly from their wallets without relying on centralized intermediaries. The protocol pioneered the automated market maker (AMM) model, which replaces traditional order books with liquidity pools supplied by users who earn fees for providing liquidity.

    The protocol is governed by the UNI token, which gives holders the ability to propose and vote on changes affecting Uniswap’s development and ecosystem. Since its launch in 2020, Uniswap has become one of the largest decentralized finance (DeFi) applications by trading volume and continues to expand through innovations such as Uniswap v4, introducing customizable liquidity pools and new infrastructure for tokenized real-world assets and institutional adoption.

    Why Uniswap?

    Uniswap is trading at $6.98 after rallying sharply alongside a broader rotation into altcoins and DeFi assets. UNI gained nearly 40% over the past week as trading activity on the recently launched Robinhood Chain surged, with Uniswap handling the vast majority of the network’s decentralized exchange volume. Daily DEX volume reached roughly $3 billion during one particularly active session, helping UNI break above a multi-year descending trendline as traders responded to the protocol’s improving value-accrual mechanics.

    Uniswap trading activity on Robinhood Chain. Source: WuBlockchain

    The key catalyst has been Uniswap’s fee switch, which uses a portion of protocol fees to buy and permanently burn UNI. Heavy Robinhood Chain activity recently resulted in approximately 184,000 UNI worth $1.15 million being burned in a single day, the first daily burn above $1 million. Cumulative DEX volume on Robinhood Chain has now surpassed $40 billion, while Uniswap reportedly generated nearly $79 million in trading fees from the network over a recent 30-day period. Tokenized stocks are contributing to this growth by increasingly using Uniswap’s higher-fee pools, strengthening the connection between UNI’s tokenomics and activity in tokenized assets.

    Looking ahead, traders are watching whether UNI can maintain its breakout, with $6.35 identified as an important support area and the recent $7.48 high providing a near-term level to reclaim. Continued growth in Robinhood Chain activity could accelerate UNI burns and provide further support, although Uniswap’s increasing dependence on a single network introduces additional risk. Changes to Robinhood’s swap routing or fee structure, or regulatory challenges affecting the network, could reduce Uniswap’s fee generation and weaken the burn mechanism that has become a major catalyst for UNI’s recent rally.

    8. Monero

    Monero is a privacy-focused cryptocurrency designed to offer anonymous and untraceable transactions. Launched in 2014 as a fork of Bytecoin, Monero was introduced through a whitepaper written by the pseudonymous “Nicolas van Saberhagen.” Unlike Bitcoin or Ethereum, Monero conceals sender and receiver identities, as well as transaction amounts, through advanced cryptographic techniques such as stealth addresses and ring signatures. This strong focus on privacy has made Monero a favorite among users seeking true financial confidentiality.

    Monero runs on a Proof-of-Work (PoW) consensus mechanism and is deliberately resistant to ASIC mining to support decentralization. It can be mined efficiently using consumer-grade hardware, and its privacy-preserving features also improve fungibility—individual XMR coins are indistinguishable from one another and can’t be blacklisted. Despite its strong standing within the crypto community, Monero has been the subject of regulatory scrutiny due to concerns over its potential use in illicit activities. Nonetheless, it remains the most widely adopted privacy coin in the market today.

    Why Monero?

    Monero is trading at $537.03 after extending a seven-week rally that has made August its strongest month since April 2021. XMR has gained more than 46% since the start of the month and pushed decisively above $500 as demand for privacy-focused cryptocurrencies intensified. The advance has been particularly notable given Monero’s limited availability on major centralized exchanges, while similar strength across other privacy coins suggests the move is part of a broader rotation toward the sector.

    Derivatives activity has accelerated alongside the rally, potentially adding to recent volatility. Monero open interest nearly doubled from around $131 million at the beginning of August to almost $260 million, approaching the historical high of $277 million recorded in January. Short liquidations have also significantly exceeded long liquidations, suggesting forced buying may have contributed to the upside. Meanwhile, THORChain has reportedly introduced native Monero support, enabling swaps between XMR and assets such as Bitcoin and Ethereum and potentially improving access to the cryptocurrency outside centralized exchanges.

    Monero open interest is approaching its previous record as derivatives activity accelerates. Source: CoinGlass

    Momentum remains firmly in favor of buyers, but the rapid advance has pushed XMR into overbought territory while derivatives positioning is close to record levels. That combination could produce elevated volatility if traders begin taking profits or leveraged positions unwind. On the other hand, sustained interest in privacy assets and improved accessibility through THORChain could provide fundamental support, leaving traders focused on whether Monero can consolidate its breakout above $500 after one of its strongest monthly performances in years.

    9. Chainlink

    Chainlink is a decentralized oracle network that enables blockchains and smart contracts to securely access trustworthy data from external sources. It is designed to solve the so-called “oracle problem,” which describes the challenge blockchains face when trying to obtain information that exists outside their own environments. By linking on-chain applications with off-chain data, Chainlink makes it possible to support use cases that could not rely on blockchain-native information alone.

    Chainlink has established itself as the dominant oracle solution in decentralized finance and is also seeing growing adoption in areas such as real-world asset tokenization. DeFi protocols can use Chainlink to provide smart contracts with cryptocurrency price data from centralized exchanges, while RWA platforms can obtain accurate market valuations with a lower risk of manipulation. This can help tokenized real estate, commodities, and other assets maintain dependable and current valuations on-chain.

    Why Chainlink?

    Crypto investors may want to keep a close eye on Chainlink as it continues to establish itself as essential infrastructure for tokenized finance. BitGo’s move to select Chainlink CCIP as the sole cross-chain infrastructure for WBTC and future assets issued by BitGo is a notable vote of confidence in Chainlink’s security and interoperability technology.

    Chainlink is already operating on a substantial scale. Its infrastructure has facilitated more than $32 trillion in transaction value, protects over $110 billion across DeFi and cross-chain applications, and underpins approximately 70% of oracle-dependent DeFi value worldwide. CCIP is expanding rapidly as well, with quarterly volume climbing to $4.9 billion in Q2 2026.

    The bigger potential opportunity comes from the expansion of real-world asset tokenization. Standard Chartered forecasts that tokenized onchain assets could reach $4 trillion by the end of 2028 and believes Chainlink is particularly well placed to deliver the data, interoperability, and compliance infrastructure needed to support these assets.

    This outlook prompted Standard Chartered to assign LINK a $200 price target for the end of 2030, partly based on projections that Chainlink’s fee generation could increase by roughly 25 times. A $200 LINK price would imply upside of more than 2,300% from its current level.

    Chainlink’s expanding network of institutional relationships, including Swift, DTCC, JPMorgan, Mastercard, UBS, Fidelity and BitGo, further strengthens the investment thesis. The case is straightforward: if a larger share of the global financial system shifts onchain, Chainlink could emerge as one of the major infrastructure providers enabling that transition.

    10. Cardano

    Cardano is a decentralized, open-source blockchain platform designed for smart contracts and decentralized applications (dApps), with a strong emphasis on scalability, security, and sustainability. Launched in 2017 by Ethereum co-founder Charles Hoskinson, Cardano uses its native cryptocurrency, ADA, for transactions, staking, and network governance. Unlike many blockchain projects, Cardano follows a research-driven development process, with its core technologies undergoing academic peer review before implementation.

    Cardano is powered by Ouroboros, one of the first peer-reviewed Proof-of-Stake (PoS) consensus mechanisms, allowing the network to achieve security while consuming only a fraction of the energy required by Proof-of-Work blockchains such as Bitcoin. The blockchain is divided into two layers: the Cardano Settlement Layer (CSL), which handles ADA transactions, and the Cardano Computation Layer (CCL), which executes smart contracts and decentralized applications through the Plutus platform.

    The Cardano ecosystem supports hundreds of decentralized applications spanning decentralized finance (DeFi), NFTs, gaming, wallets, and other blockchain services. The maximum supply of ADA is capped at 45 billion coins, with staking rewards distributed to network validators who help secure the blockchain. As one of the largest cryptocurrencies by market capitalization, Cardano continues to evolve through a multi-stage roadmap focused on decentralization, scalability, governance, and interoperability, positioning itself as one of the leading smart contract platforms in the crypto industry.

    Why Cardano?

    Cardano is trading at $0.1876 after gaining nearly 10% as investors shifted their focus to the blockchain’s next major development phase. Following the successful Van Rossem upgrade in July, attention has turned to the upcoming Dijkstra era, which aims to significantly improve scalability through features such as Nested Transactions, Linear Leios and Peras. While these upgrades are not expected to reach mainnet until late 2026, the roadmap has strengthened confidence in Cardano’s long-term technical direction.

    The rally has also been supported by renewed accumulation from large investors. According to Santiment, whale wallets acquired more than 240 million ADA over the past five days, helping fuel a 22% price increase. The combination of growing whale activity and optimism surrounding Cardano’s development roadmap suggests investors are beginning to position ahead of future network upgrades, although analysts note that long-term price performance will ultimately depend on successful execution and broader ecosystem growth.

    Despite the recent gains, Cardano remains well below its previous all-time high, leaving plenty of room for recovery if network upgrades translate into higher developer activity, stronger on-chain adoption and increased demand for the ecosystem.

    11. Hyperliquid

    Hyperliquid is a decentralized perpetual futures exchange built to rival centralized trading platforms in speed, liquidity, and user experience—all while remaining fully on-chain. Unlike traditional DEXs that often struggle with performance bottlenecks, Hyperliquid uses a custom high-performance layer-1 blockchain specifically optimized for trading. This allows it to offer ultra-low latency, high throughput, and a seamless trading experience without relying on external validators or rollups.

    One of Hyperliquid’s key innovations is its order book-based model, which is uncommon among decentralized platforms. While many DEXs use automated market makers (AMMs), Hyperliquid implements a central limit order book (CLOB), giving traders more control over order execution and tighter spreads. This design makes it particularly appealing to professional and high-frequency traders who expect the responsiveness of centralized exchanges but want the trustlessness of DeFi. Its deep liquidity pools and tight integration with crypto-native assets further enhance its trading dynamics.

    Why Hyperliquid?

    Hyperliquid’s HYPE token is trading at $63.27 after a strong multi-week advance, with momentum accelerating alongside rising ETF activity. US-listed HYPE ETFs from 21Shares (THYP) and Bitwise (BHYP) have now recorded nearly $41 million in total trading volume since launch, with daily turnover jumping roughly 50% this week. For newly launched ETFs, that kind of post-debut volume expansion is atypical, as most products see front-loaded interest before fading. Instead, HYPE-linked funds are building participation during a broader risk-off environment in equities, bonds, gold and even Bitcoin.

    The timing has amplified the narrative. While major asset classes have stalled or pulled back, HYPE has outperformed, rising sharply year to date and attracting capital rotation. The two ETFs posted their strongest combined net inflow day this week at $25.5 million, suggesting institutional exposure is increasing beyond launch-week speculation. At the same time, reports indicate wallets linked to Grayscale accumulated and staked roughly $25 million worth of HYPE, reinforcing the view that asset managers are positioning ahead of potential additional ETF approvals.

    HYPE/USDT three-day price chart. Source: TradingView

    Structurally, Hyperliquid’s appeal extends beyond token price momentum. The protocol has captured a dominant share of onchain perpetual futures activity, positioning itself as a high-throughput derivatives venue rather than a single-asset trade. If ETF inflows persist and onchain volumes remain elevated, HYPE’s valuation case will increasingly hinge on sustained fee generation and ecosystem expansion. However, given the speed of the recent rally, near-term volatility should be expected as leveraged positioning adjusts to higher price levels.

    12. BNB

    BNB (formerly Binance Coin) is a cryptocurrency created by the popular cryptocurrency exchange Binance. Binance is the largest cryptocurrency exchange in the world, allowing users to buy, sell, and trade a wide range of digital assets.

    BNB was initially one of the ERC-20 tokens on the Ethereum blockchain but has since migrated to its own blockchain, known as BNB Chain. BNB is used as a utility token within the Binance ecosystem and has a variety of use cases. For example, users can use BNB to pay for transaction fees on the Binance exchange, receive discounts on trading fees, participate in token sales on Binance Launchpad, and purchase goods and services from merchants that accept BNB as payment.

    One of the unique features of BNB is that it has a deflationary model. Binance uses a part of its profits each quarter to buy back and burn BNB tokens, reducing the total supply of the token over time. This mechanism is designed to create scarcity and increase the value of BNB over time, with the end goal of reducing the circulating supply of BNB from the initial 200 million to 100 million BNB.

    Why BNB?

    BNB reclaimed $900 this week after bouncing sharply from the $800–$820 demand zone, with multiple bullish technical structures now aligning behind a potential push back toward $1,000 in December. A double-bottom pattern on the 4H chart, combined with a clean breakout from a multi-week falling wedge, signals fading seller momentum and renewed appetite from dip-buyers. Liquidation heatmaps reveal over $112 million in short liquidations clustered near $1,020, suggesting a move toward that level could accelerate quickly if BNB breaks and holds above $900–$920.

    BNB’s double-bottom and wedge breakout point toward a $1,000+ target
    BNB’s double-bottom and wedge breakout point toward a $1,000+ target. Source: Bitcoinwallah / TradingView

    However, BNB’s narrative this week also revolved around turbulence in the corporate treasury sector. CZ’s YZi Labs launched a formal attempt to overhaul the board of CEA Industries — the largest public BNB-holding company — accusing management of destroying shareholder value after the stock plunged 89% from its July peak. YZi aims to reverse recent bylaw changes, expand the board, and install its own nominees, arguing that CEA has failed to execute on its strategy of becoming the leading BNB treasury company. CEA responded by reaffirming its commitment to the BNB strategy while opening a dialogue with YZi to resolve concerns.

    CEA stock collapses as YZi Labs pushes for a board takeover
    CEA stock collapses as YZi Labs pushes for a board takeover. Source: Google Finance

    CEA stock collapses as YZi Labs pushes for a board takeover. Source: Google FinanceDespite governance drama and broader market pressure, BNB has held up better than many large-cap assets this quarter, outperforming even as it trades well below its mid-October all-time high of $1,367. CEA’s reported holdings of 515,054 BNB at an average entry of $851 place its treasury slightly underwater, yet BNB itself remains up 17.8% year-to-date, reinforcing its relative strength during the latest downturn. If bullish technicals continue to hold — and especially if liquidation clusters begin to trigger — analysts say BNB could feasibly revisit the $1,020–$1,115 range before year-end.

    Best cryptocurrencies to buy at a glance

     Native AssetLaunched InDescriptionMarket Cap*
    BitcoinBTC2009A P2P open-source digital currency$1.62 tln
    EthereumETH2012The leading DeFi and smart contract platform$285 bln
    ZcashZEC2016Privacy-focused cryptocurrency$21.05 bln
    XRPXRP2015The leading crypto remittance solution$82.18 bln
    SolanaSOL2020Smart contracts platform with high speeds and low fees$60.02 bln
    NEAR ProtocolNEAR2020AI and scalability focused blockchain$6.02 bln
    UniswapUNI2020The pioneering automated market maker protocol$4.40 bln
    MoneroXMR2014A privacy-first cryptocurrency with fully obfuscated transactions$11.11 bln
    ChainlinkLINK2017The largest decentralized oracle network $8.60 bln
    CardanoADA2017Research-driven smart contract platform$7.59 bln
    HyperliquidHYPE2024Decentralized perpetuals exchange with an efficient order book$19.67 bln
    BNBBNB2017The native coin of the Binance exchange$97.59 bln

    Best crypto to buy for beginners

    If you are just starting out in crypto, it is advisable to stick to cryptocurrency projects that are less prone to volatility and are generally more established. While this approach does have a downside, as it becomes much more difficult to expect triple-digit or larger gains, the major upside is that you are not exposed to projects that have a chance of failing and, thus, losing your entire investment. 

    In order to identify projects that are stable and thus feature low volatility, you can start by following the parameters listed below:

    • The crypto asset has a market capitalization that places it into the cryptocurrency top 100 (roughly $200 million as of Autumn 2026)
    • The crypto asset is available for trading on the best crypto exchange platforms and can be exchanged for fiat currencies
    • The crypto asset boasts healthy liquidity ($100M/day and more), which allows you to execute buy and sell orders quickly and without slippage 
    • The crypto asset is part of a reputable crypto project with clear goals, a realistic roadmap, and products and services that look to address real-world problems

    Some of the best cryptos to buy for beginners are those that follow the above criteria and have earned their standing in the crypto market due to robust security, popular products and services, and clear growth potential. Some beginner-friendly crypto investments are:

    • Bitcoin
    • Ethereum
    • Litecoin
    • Cardano
    • BNB

    It is worth noting that cryptocurrency investments are inherently risky, even if you stick to the biggest and most reputable projects. The reason for this is simple – the crypto sector is relatively new, and the landscape might look completely different in the future.

    Best crypto for long-term

    When deciding which cryptocurrency to buy for the long term, it’s important to consider projects that are well-established, have a strong community, are highly liquid, have a large market cap, and have a clear reason for existing (such as solving a real-life problem, introducing new functionality, etc.). Without these characteristics, a project might fail to survive in the long term, rendering it a bad long-term investment.

    It is worth noting that, typically, most long-term crypto investors are looking for projects that have the potential to generate decent returns but also provide a degree of investment stability. Roughly speaking, only the largest cryptocurrencies fit the bill, as others have a low market cap and liquidity that doesn’t bode well for a long-term commitment (unless you’re prepared to take on more risk).

    In addition to Bitcoin and Ethereum, there are a number of other cryptocurrencies that fit the criteria of being low-risk, long-term crypto investments.

    If you are planning to hold onto your digital assets for a longer period of time, it is best to take care of crypto custody yourself. Holding large amounts of crypto on an exchange can be risky, as we’ve seen over the years with the collapse of high-profile exchanges like Mt. Gox and FTX. Use one of the reputable crypto hardware wallets to store your crypto. Ledger hardware wallets, for instance, allow you to manage your crypto holdings easily and provide a much higher degree of security than crypto exchanges or even software crypto wallets.

    Best place to buy crypto

    One crucial aspect to consider when choosing which platform to use to buy crypto is the range of cryptocurrencies and trading pairs available. Since different exchanges support varying digital assets, it’s important to choose a platform that accommodates the specific cryptocurrencies you intend to trade.

    Additionally, assessing an exchange’s liquidity and trading volume is essential. Higher liquidity generally results in improved price stability and faster trade executions. Furthermore, it is prudent to examine the fees charged by the exchange, encompassing deposit, withdrawal, and trading fees. Comparing fee structures across different exchanges can help you identify the most cost-effective option that aligns with your trading style. With that said, here are some of the best exchanges on the market right now:

    • Binance – The best cryptocurrency exchange overall
    • KuCoin – The best exchange for altcoin trading
    • Kraken – A centralized exchange with the best security

    By diligently considering these factors, you can make an informed decision and select a cryptocurrency exchange that meets your requirements for security, variety, liquidity, and affordability.

    How we choose the best cryptocurrencies to buy

    At CoinCheckup, we provide real-time prices for over 40,000 cryptocurrencies, with the list growing by dozens each day. As you can imagine, making a selection of a dozen top cryptocurrencies to buy out of such an immense dataset can be difficult and will for sure lead to some projects that should be featured being omitted. To minimize the chance of that happening, we follow certain guidelines when trying to identify the best cryptocurrencies to invest in.

    Availability 

    One of the most important factors for any cryptocurrency investment is the crypto asset’s availability, meaning how easy it is to buy and sell it across various cryptocurrency exchanges. We tend to stay away from assets that are not available on major exchanges and require complex procedures to obtain.

    Market Capitalization

    Another important metric for identifying whether a crypto project is worth covering its market cap. A high market cap means that the project has reached a certain level of adoption from users, making it less risky to invest in.

    Growth Potential

    While this metric is mostly subjective, it is still an important metric on which we curate our selection. We won’t feature projects that we think are stagnating or have no real upside in the future.

    Purpose and Use Case

    We consider the purpose and use case of cryptocurrency, particularly in a real-world setting. Some cryptocurrencies focus on specific industries or applications, such as decentralized finance, gaming, or supply chain management.

    Team and Development

    The team and people involved in the project can tell you a lot about the potential of a particular cryptocurrency project. We examine the team’s experience, expertise, and track record and evaluate the development activity and updates to ensure the project is actively maintained and evolving.

    The bottom line: What crypto should you buy right now?

    The decision of which crypto to buy now is dependent on your own risk profile and investment goals. For some, investing in a crypto asset with a proven track record like Bitcoin is the only type of exposure to crypto they are willing to take on.

    Meanwhile, those with a higher risk tolerance might see Bitcoin as too stable, looking instead toward newer and smaller projects that carry a higher degree of upside. 

    If you are looking for more investment ideas, check out our crypto price predictions section.

  • The Cheapest Crypto to Transfer – Save Big on Crypto Transaction Fees

    The Cheapest Crypto to Transfer – Save Big on Crypto Transaction Fees

    Cryptocurrency is a relatively new form of digital money that has the potential to change the world. However, if we’re being realistic, many cryptocurrencies are not exactly convenient to use. High transaction costs are one of the biggest culprits for this, as sending a single transaction on Bitcoin or Ethereum can cost tens of dollars during periods of high congestion.

    Thankfully, there’s quite a few cryptocurrencies that are highly efficient and will allow you to save money on cryptocurrency transaction fees. We’ve identified the cryptos with lowest fees and compiled a list of the cheapest cryptos to transfer. 

    List of the cheapest cryptos to transfer:

    1. Solana – The fastest and most efficient smart contracts platform
    2. Stellar – Highly efficient blockchain for transferring assets
    3. XRP – A very fast cryptocurrency for value transfers
    4. Dash – Cryptocurrency designed for everyday use
    5. Dogecoin – The biggest meme coin
    6. TRON – A smart contracts platform with low fees
    7. Nano – A cryptocurrency that charges no transaction fees
    8. Zcash – A privacy coin with low transaction fees
    9. Monero – The leading privacy coin with efficient transactions
    10. Algorand – Eco-friendly and fast smart contracts platform
    11. Litecoin – A faster and cheaper counterpart of Bitcoin
    12. NEAR Protocol – A smart contracts platform with sharding technology
    13. Gram – A scalable crypto that’s closely integrated with Telegram

    Exploring the 13 cheapest cryptos to transfer with low transaction fees

    Here’s our list of the cheapest crypto to transfer. We tried to provide a selection that’s as diverse as possible, covering both smart contract platforms and simpler cryptocurrencies.

    1. Solana – The fastest and most efficient smart contracts platform

    Solana is a blockchain for smart contracts that is based on a highly scalable architecture. It utilizes a unique Proof-of-History mechanism combined with a Proof-of-Stake algorithm to deliver impressive throughput and very low transaction costs.

    In real-world scenarios, Solana is handling about 5,000 transactions, although the platform has displayed the ability to handle as many as 65,000 transactions per second in testing. 

    A standard transaction on Solana will only cost you about $0.0024 in fees, which is some of the lowest crypto transaction fees you’ll find. More complex transactions such as NFT transfers or smart contract interactions cost slightly more, although not nearly as much as they do on Ethereum. 

    If you’re looking to explore decentralized finance, NFT protocols or blockchain-powered gaming but don’t want to spend a significant amount on money of fees, Solana is one of the strongest candidates on the market today. 

    Despite a turbulent 2022, the Solana ecosystem is still quite diverse and you’ll be able to find decentralized applications for practically every blockchain use case on the Solana blockchain. 

    2. Stellar – Highly efficient blockchain for transferring assets

    Stellar is a blockchain platform that’s focused on highly efficient asset transfers. You can use the Stellar blockchain to make transactions with the platform’s native currency XLM, or use the protocol’s built in decentralized exchange functionality to seamlessly swap between the different assets issued on the Stellar blockchain. 

    Stellar was founded by XRP co-founder Jed McCaleb and Joyce Kim. Stellar’s architecture shares a lot of similarities with the technology underpinning XRP, although the two platforms have diverged to an extent since Stellar launched in 2014. 

    When using the Stellar blockchain, you’ll usually be paying around 0.0001 XLM per transaction, which is only a fraction of a cent in USD terms. In addition to the low cost, Stellar handles transactions very quickly, as you can expect your transactions to be finalized in between 3 and 5 seconds. 

    3. XRP – A very fast cryptocurrency for value transfers

    XRP, a well-established cryptocurrency released in 2012, stands out from Bitcoin by employing the XRP Ledger Consensus Protocol instead of Proof-of-Work. This unique approach allows XRP to process transactions quickly and with very low fees.

    However, some members of the crypto community criticize XRP for potentially lacking decentralization. This is because a significant portion of the XRP supply is held by Ripple, a US-based fintech company that integrates XRP into its cross-border payment solutions. In the early days, Ripple received 80 billion XRP (80% of the supply) as a gift from the XRP founders.

    Although XRP doesn’t support smart contracts, it excels in facilitating efficient value transfers. As a result, XRP is commonly used for moving funds between different cryptocurrency exchanges.

    When setting up an XRP wallet, it’s essential to consider that each account on the XRP Ledger must maintain a reserve of at least 10 XRP, which cannot be spent.

    4. Dash – Cryptocurrency designed for everyday use

    Dash is one of the longest-running projects in the cryptocurrency space, as it made its debut already in January of 2014. Dash, which stands for “digital cash”, aims to provide a decentralized peer-to-peer currency that’s still fast and cheap enough to be suitable for every day use. 

    In fact, most of the efforts of the Dash project are focused on integrations with merchants and promoting the use of DASH for everyday purchases. 

    To achieve its impressive efficiency, Dash combines Proof-of-Work with a masternode system. Dash is also capable of providing additional privacy to transactions through its (optional) PrivateSend feature. 

    A Dash transaction will cost you less than $0.0004 in fees, and transactions can be confirmed in under 2 seconds if you utilize the InstantSend feature, which leverages Dash’s network of masternodes. 

    If you’re looking for a simple cryptocurrency to use on a daily basis, Dash is a solid option. However, the project’s relevance in the crypto market has been fading in recent years, which has hampered Dash’s adoption as a payments platform.

    5. Dogecoin – The biggest meme coin

    Dogecoin is a meme coin that made its debut back in December of 2013. Thanks to its light-hearted and humorous approach to crypto, Dogecoin quickly captured the attention of the cryptocurrency community and it remains the biggest meme coin to this day. 

    However, Dogecoin is not just a joke. It’s a fully functioning digital currency that can be used for quick and cheap peer-to-peer payments. In addition, it’s supported by an impressive number of cryptocurrency exchanges and other businesses, which means it’s not too hard to find a place where you can use your DOGE. 

    To be sure, the Dogecoin network is not quite as robust as Bitcoin. However, it still offers more than enough security for everyday transactions, and has relatively low transaction costs. 

    In most cases, you’ll be paying less than $0.043 worth of Dogecoin per transaction, although fees can increase sharply during periods of high demand. Dogecoin is also relatively fast, as it has a block time of just 1 minute. So, your Dogecoin transactions should be completed about 10 times as fast as your Bitcoin transactions. 

    6. TRON – A smart contracts platform with low fees

    TRON is a blockchain platform similar to Ethereum but utilizes a Delegated Proof-of-Stake (DPoS) consensus mechanism, enabling it to process transactions with minimal costs.

    One of TRON’s key advantages is its extremely low transaction fees compared to Ethereum, making it a preferred choice for stablecoin transactions, particularly with USDT.

    Although TRON’s decentralized application (dApp) ecosystem isn’t as expansive or diverse as Ethereum’s, it remains a viable option for those looking to engage in DeFi and other on-chain activities without incurring high transaction fees.

    7. Nano – A cryptocurrency that charges no transaction fees

    Nano is arguably the cheapest cryptocurrency to use, as it doesn’t have any transaction fees. This is enabled by Nano’s unique architecture, which doesn’t use a traditional blockchain architecture, but is instead a DAG (directed acyclic graph). In addition to practically eliminating costs, Nano’s DAG architecture also enables extremely fast transactions.

    However, you have to keep in mind that even though Nano doesn’t have any transaction fees, using it in everyday situations can be a challenge as it simply doesn’t have that much adoption. At the time of writing, Nano is ranked 256th in the cryptocurrency rankings with a relatively modest market capitalization of $45 million. 

    8. Zcash – A privacy coin with low transaction fees

    Zcash is one of the leading privacy coin options on the market. While the overall design of Zcash takes a lot of inspiration from Bitcoin (including the 21 million ZEC supply cap), it implements cutting-edge zero knowledge cryptography to enable fully private transaction.

    In Zcash, transactions can be either public or private, depending on which address you’re using. So called t-addresses are fully transparent and quite similar to Bitcoin, while z-addresses offer full privacy — nobody can see how many coins you are sending and who you are sending your coins to. 

    A Zcash transaction under typical network conditions will only cost you about $0.35 worth of ZEC, and the protocol targets a 75-second block time, which is considerably faster than Bitcoin.

    Zcash will be quite interesting to follow moving forward as there are serious plans to transition Zcash from its current Proof-of-Work consensus algorithm to a new Proof-of-Stake system. This would not only make Zcash much more environmentally friendly, but could potentially also open the door for scalability improvements which would result in faster and cheaper transactions.  

    9. Monero – The leading privacy coin with efficient transactions

    Monero is currently the largest privacy coin on the market, boasting an impressive market capitalization of around $3 billion. Monero implements a suite of privacy-protecting technologies that obfuscate the amount and destination of any given transaction. Notably, privacy on Monero is not optional – all transactions are fully private. This makes XMR a highly fungible cryptocurrency, as it’s practically impossible to tag or blacklist specific XMR coins. 

    Despite its very strong privacy features, Monero is very efficient to transact with. Sending XMR will cost you less than $0.14 in fees, and the relatively swift block time of 2 minutes means you won’t need to wait too long for your transaction to complete. 

    However, you shouldn’t expect any fancy smart contracts feature from Monero, as the project is laser-focused on enabling straightforward peer-to-peer value transfers that are as private as possible. 

    10. Litecoin – A faster and cheaper counterpart of Bitcoin

    Having launched already in October of 2011, Litecoin is one of the most established cryptocurrency projects on the market. Litecoin is similar to Bitcoin in many respects, although it implements a number of key tweaks designed to make it more efficient and suitable for everyday use. 

    Compared to Bitcoin, Litecoin has a 4x larger supply cap (84 million LTC) and a 4x faster block time (about 2.5 minutes). In addition, it uses the Scrypt hashing algorithm, instead of the SHA-256 algorithm Bitcoin is based on.

    If you’re already comfortable with using Bitcoin, Litecoin will feel extremely familiar to use. When sending LTC, you’ll typically be paying only about $0.0033 in fees, and your transaction will be confirmed faster thanks to the quicker 2.5 minute block time. 

    11. Algorand – Eco-friendly and fast smart contracts platform

    Algorand is a blockchain platform designed for smart contracts that operates on a Proof-of-Stake consensus algorithm. Founded in 2017 by Silvio Micali, a renowned computer scientist known for his contributions to cryptography, the Algorand project launched its mainnet in 2019. Over time, the platform has been upgraded to enhance its smart contract capabilities and support the issuance of custom tokens.

    Algorand prides itself on being eco-friendly and efficient, with a focus on offering low transaction fees. The minimum transaction fee is 0.001 ALGO, meaning that 1 ALGO can potentially cover 1,000 transactions. 

    This feature makes Algorand an attractive option for users interested in exploring use cases like NFTs (Non-Fungible Tokens) and DeFi (Decentralized Finance) without having to contend with the high transaction fees associated with Ethereum and other platforms.

    12. NEAR Protocol – A smart contracts platform with sharding technology

    NEAR Protocol is a layer-1 blockchain that employs a sharding mechanism called Nightshade alongside a Proof-of-Stake consensus algorithm. It is designed to drive the mass adoption of web3 by offering strong scalability and developer-friendly features.

    The project envisions NEAR as a web3 operating system, allowing developers to build applications in widely used languages like JavaScript while leveraging community-built components for greater efficiency. Additionally, NEAR makes onboarding easy even for users who don’t yet own cryptocurrency, making it an accessible entry point into web3.

    Transactions on NEAR Protocol finalize in under three seconds and cost less than $0.01 in fees. As the Nightshade sharding implementation continues to evolve, NEAR’s scalability is expected to improve even further.

    For those seeking an efficient smart contract platform, NEAR Protocol stands as a strong alternative to more established options like Solana and Polygon.

    13. Gram – A scalable crypto that’s closely integrated with Telegram

    Gram is the native cryptocurrency of the TON Blockchain, a Proof-of-Stake network designed with multiple scaling technologies to support large-scale adoption.

    Gram relies on a Proof-of-Stake consensus mechanism run by validator nodes. While anyone can become a validator, doing so requires a substantial amount of Gram. Token holders who do not run their own nodes can participate as nominators by delegating their Gram to validators, helping them meet the required staking threshold.

    Although the network now operates on Proof-of-Stake, Gram’s initial coin distribution was carried out through mining to ensure a fair launch.

    The project is based on technology originally developed by the team behind the Telegram messaging app. They created a blockchain called The Open Network but halted development due to regulatory challenges. Today, Gram is community-led and independent from Telegram. However, the Telegram app continues to integrate Toncoin, most recently through Telegram-based clicker games and other in-app features.

    The Gram Blockchain is highly efficient and cost-effective. A standard TON transaction costs around 0.0008 Gram in fees, which is under $0.001 at current prices. Sending Gram-based tokens, known as Jettons, costs slightly more at about 0.037 Gram, or roughly $0.49.

    Toncoin is a practical choice for low-cost crypto transfers. It is listed on most major cryptocurrency exchanges and can also be used directly within the Telegram app. The network also supports the USDT stablecoin, further expanding its usefulness for everyday transactions.

    Transaction fee comparison

    Let’s take a look at how the cryptocurrencies we have featured square up against each other. As you can see, all of them are inexpensive to use, with some having practically negligible transaction costs. Please note that the transaction fees and speeds are estimates of what you can expect during normal network conditions. If there is a surge in demand for the blockchain you’re using, transaction costs will be higher, and speeds will be lower.

    Native AssetMarket Cap*Transaction FeesTransaction speed
    SolanaSOL$64.52 billion$0.033 seconds
    StellarXLM$6.79 billionLess than $0.013-5 seconds
    XRPXRP$87.41 billionLess than $0.013-5 seconds
    DashDASH$657.84 millionLess than $0.011-2 seconds
    DogecoinDOGE$14.51 billion$0.0051 minute (1 confirmation)
    TRONTRX$31.54 billionLess than $13 seconds
    NanoXNO$43.91 millionNo feesUnder 1 second
    ZcashZEC$20.58 billion$0.0275 seconds (1 confirmation)
    MoneroXMR$10.07 billionLess than $0.052 minutes (1 confirmation)
    AlgorandALGO$1.05 billionLess than $0.013 seconds
    LitecoinLTC$4.94 billion$0.012.5 minutes (1 confirmation)
    NEAR ProtocolNEAR$6.27 billionLess than $0.013 seconds
    GramGRAM$4.11 billionLess than $0.0013-5 seconds

    The bottom line

    Hopefully, we helped you identify the best options available if you’re looking to send cryptocurrency with the lowest transaction fees. The cheapest crypto to send will allow you to make transactions at a cost of a fraction of a cent, and have your payments completed in a matter of seconds.

  • XRP Rich List: Who Are the Top XRP Holders in 2026?

    XRP Rich List: Who Are the Top XRP Holders in 2026?

    On-chain data shows that the top 50 largest addresses on the XRP rich list control about 40% of XRP’s circulating supply, worth about $25,15 billion at current market rates. Meanwhile, the top 10 largest XRP holders control nearly 10 billion XRP coins, worth $13.47 billion.

    In this article, we are going to explore the current distribution of XRP among top addresses and examine who the largest XRP holders are.

    XRP rich list by the percentage of holdings in 2026

    As of October 2026, there are 63,090,000,000 XRP in circulation, with the XRP cryptocurrency’s market cap standing at $88.42 billion. The split between the top 50 addresses – each of which holds at least 200 million XRP – and the remaining addresses is roughly 60% to 40%. 

    XRP rich list distribution in 2026:

    • Top 10 XRP Addresses: 9,913,484,862 XRP (15.71% of circ. supply)
    • Top 10-50 XRP Addresses: 15,240,673,665 XRP (24.16% of circ. supply)
    • Remaining Addresses: 37,935,841,473 XRP (60.13% of circ. supply)
    • Total Addresses: 6,114,724
    The ratio of circulating XRP supply between the top 50 largest addresses and the remaining 4.8 million is roughly 60–40.

    The 10 top addresses on the XRP rich list

    There is no indication that the largest XRP addresses belong to individual holders. Five addresses belong to large cryptocurrency exchanges, and four belong to Ripple. There is only one address that is unknown and could potentially belong to an unknown XRP whale, although it’s more likely that the address belongs to a company.

    OwnerXRP Amount% of Circ. SupplyBlockchain Adress
    bithumb1,839,441,6762.92%rPyCQm8E5j78PDbrfKF24fRC7qUAk1kDMZ
    Unknown1,801,172,6312.85%rJ9Ey7HbscSECamgDRzvw5wrVbFUgaUDt7
    Binance1,577,715,2782.50%rs8ZPbYqgecRcDzQpJYAMhSxSi5htsjnza
    UPbit1,425,034,5832.26%rDxJNbV23mu9xsWoQHoBqZQvc77YcbJXwb
    Ripple1,330,027,1112.11%rMQ98K56yXJbDGv49ZSmW51sLn94Xe1mu1
    Ripple811,925,8241.29%rKveEyR1SrkWbJX214xcfH43ZsoGMb3PEv
    bitbank575,108,8060.91%rw7m3CtVHwGSdhFjV4MyJozmZJv3DYQnsA
    coincheck553,058,9530.88%r99QSej32nAcjQAri65vE5ZXjw6xpUQ2Eh
    Ripple500,000,2350.79%rB3WNZc45gxzW31zxfXdkx8HusAhoqscPn
    Ripple500,000,2200.79%r9UUEXn3cx2seufBkDa8F86usfjWM6HiYp

    UPbit controls the most XRP out of all exchanges, with 12 addresses in the top 50 holding a combined 6.43% of all coins in circulation. They are also the largest holder of XRP, with 13 addresses in the top 50.

    The bottom line: The top 10 addresses on the XRP rich list hold 16% of all circulating XRP coins

    As of October 2026, most of XRP’s circulating supply is centralized in a couple of dozen addresses, with just the top 10 addresses holding nearly 16% of XRP. Moreover, the amount of XRP held by the top 50 addresses is slightly lower than the number of XRP held by the remaining 4.8 million users.

    For comparison, the top 10 Bitcoin addresses hold 12.7% of the BTC circulating supply, which highlights Bitcoin’s high level of supply decentralization. It is worth noting that XRP is much more decentralized than some other cryptocurrencies – the top 10 addresses on Ethereum, for instance, control 61% of the circulating supply, whereas Dogecoin’s 10 largest addresses hold a staggering 44.2% of all DOGE.

    Overall, XRP is one of the most promising altcoin projects in the crypto industry today, thanks to its clear focus on solving real-world problems and partnerships with blue-chip companies.

  • Can Ripple Reach $10,000? Here Are the Facts About XRP

    Can Ripple Reach $10,000? Here Are the Facts About XRP

    XRP is a unique cryptocurrency that has one of the most devoted communities in the crypto and blockchain space. Although it could certainly be a strong performer in the future, it’s practically impossible for Ripple to reach $10,000. 

    In this article, we will explore potential future price targets for XRP and explain why you shouldn’t expect XRP to ever reach a price of $10,000, or anywhere close to it, for that matter. We will also consult some XRP price predictions to get a better idea of where the price of XRP could head in the near to medium term. 

    Could Ripple reach $10,000? Here’s why it’s impossible

    The reason why XRP won’t ever reach a price of $10,000 is not complicated – the supply of XRP is simply too large. XRP has a maximum supply limit of 100 billion coins. While not all XRP coins are currently in circulation, the coin still has a substantial circulating supply of 63.09 billion.

    Even if we take the more conservative figure of 63.09 billion circulating XRP coins, the implied market capitalization if XRP were to trade at $10,000 would be $630.9 trillion. 

    To illustrate why this figure is impossibly large, we should point out that the GDP of the United States is $25.4 trillion, and the world’s largest company, Nvidia, has a market capitalization of $5.67 trillion. 

    To draw a comparison from the cryptocurrency space, we can note that the highest market cap ever reached by Bitcoin was $2.48 trillion. If XRP traded at $10,000, its market cap would be 245 times larger than Bitcoin’s market cap at its historical peak. 

    So, even if XRP became the world’s largest cryptocurrency, it would be extremely unlikely to hit a price of $10,000. The only realistic scenario for that to happen would be a drastic reduction in the XRP supply through a redenomination or a major burn program. 

    Although a small amount of XRP is already being burned with each transaction, the burn rate is simply not fast enough to decrease the supply to an amount where $10,000 would be a realistic price target for XRP. 

    The XRP Ledger has been in operation for over a decade, but only about 12.2 million XRP have been burned through this mechanism. This is only 0.012% of the maximum supply of XRP.  

    Now, let’s consider various XRP price targets and what they would mean for the market capitalization of XRP. This is a good way to quickly gauge whether a certain price target is realistic or not. We calculated the figures both for XRP’s current circulating supply, as well as its max supply. 

    XRP priceImplied market cap (63.09B XRP)Implied market cap (100B XRP)
    $0.50$31.55 billion$50 billion
    $1$63.09 billion$100 billion
    $5$315.5 billion$500 billion
    $10$631 billion$1 trillion
    $50$3.16 trillion$5 trillion
    $100$6.31 trillion$10 trillion
    $500$31.6 trillion$50 trillion
    $1,000$63.1 trillion$100 trillion
    $5,000$315.5 trillion$500 trillion
    $10,000$631 trillion$1 quadrillion

    When it comes to speculating about the potential future valuations of altcoins, we believe that using the historical market cap of Bitcoin is the best idea since it’s a benchmark that has already been demonstrated as possible for a crypto asset to achieve.

    To reach Bitcoin’s historical market cap peak of $2.48 trillion, XRP would have to trade at a price of $54.31 (assuming the current circulating supply of 63.09 billion XRP coins). We believe that this is the upper bound of what is possible for XRP to achieve, although it’s of course still unlikely, as it would require a 38.52x increase from the current price of XRP, which is $0.58 at the time of writing this article. 

    XRP price prediction for 2026 & 2027 – How high can XRP go?

    According to our XRP price prediction, the price of XRP is expected to increase over the next year.

    However, the medium-term outlook for XRP appears more promising, at least according to CoinCheckup’s price prediction. XRP is forecast to trade at an average price of $1.53 in October 2026 before experiencing a slight decline toward the end of the year, reaching $1.39 in December.

    The outlook improves in 2027, with XRP predicted to gain momentum in the spring. The cryptocurrency is forecast to reach a maximum price of $2.16 in April, followed by an average price of $2.05 in May. Although some price fluctuations are expected throughout the summer, XRP could see a more substantial rally toward the end of the forecast period.

    By October 2027, XRP is projected to reach an average price of $2.76, with a potential high of $3.21. This would represent a 130.78% increase compared to the reference price used in CoinCheckup’s forecast.

    Will XRP go up?

    It’s fair to say that XRP has been displaying an impressive performance in the past year, even when compared to other leading cryptocurrencies. While XRP is yet to improve upon the all-time high it set in early 2018, it came fairly close in July 2025, reaching $3.64.

    An important factor that allowed XRP to approach its all-time high is the conclusion of the legal battle between Ripple and the U.S. Securities and Exchange Commission (SEC). The SEC accused XRP of being an unregistered security that Ripple issued and sold, a claim Ripple disputed.

    The cloud of regulatory uncertainty hanging over XRP has naturally led to hesitation among some investors about investing in XRP. Additionally, in response to the lawsuit filed by the SEC, numerous cryptocurrency exchanges opted to delist XRP, aiming to sidestep potential regulatory complications.

    Despite these challenges, the outlook for XRP might still be optimistic. Should the legal battle conclude in Ripple’s favor, it’s possible that XRP will start building up momentum in the markets.

    Of course, we also have to mention fundamental developments that are improving the capabilities of the XRP Ledger. 

    For example, the Xahau sidechain allows developers to create smart contracts that can interact with objects and balances on the XRP Ledger. This functionality is implemented through a feature called Hooks. Thanks to Hooks, developers can write smart contracts in different programming languages, and the contracts are then compiled into WebAssembly. 

    In addition, many users might not know that the XRP Ledger now has an AMM (automated market maker) feature. This makes it possible for users to swap between different assets issued on the XRP Ledger, similarly to how Uniswap enables token swaps on the Ethereum blockchain. 

    The bottom line

    Even though you shouldn’t expect Ripple to hit $10,000, XRP could certainly still have a bright future ahead of it. For realistic price targets, the best idea is probably to take a look at the historical market capitalization of Bitcoin and consider how certain XRP price targets would compare to it. 

    If you want to learn more about the crypto markets, make sure to take a look at our article showcasing the best cryptos to buy now.

  • 11 Best Crypto to Buy Today for Long-Term

    11 Best Crypto to Buy Today for Long-Term

    10 Best Crypto to Buy Today for Long-Term

    Investing in cryptocurrency has been gaining popularity ever since Bitcoin’s genesis back in 2009. While initially, the cryptocurrency sector was flooded with people trying to make a quick buck through a few speculative trades, the time frame of most crypto investments has been gradually shifting toward the long term as the sector matures.

    In fact, many investors today consider cryptocurrency a viable long-term investment asset class. Those investors who believe that crypto will appreciate in the long run and therefore keep their coins and tokens safely stashed in their digital wallets are referred to as “HODLers” in the crypto jargon.

    Which crypto to buy today for long-term HODLing?

    In this article, we will explore the best long-term cryptocurrency investments, based on factors such as market capitalization, adoption rate, and the technology behind the project. Whether you are already a seasoned investor or new to the world of cryptocurrency, this guide will provide valuable insights into which crypto to buy today for the best long-term returns.

    In our opinion, the best long-term crypto investments are:

    1. Bitcoin – The world’s first and most renowned cryptocurrency
    2. Ethereum – The largest smart contract and dApp environment
    3. Zcash – A privacy-focused cryptocurrency with optional shielded transactions
    4. BNB – The native token of the BNB Chain and the Binance ecosystem
    5. Cardano – A proof-of-stake blockchain with a vibrant community 
    6. Polygon – A leading layer 2 scaling solution for faster transactions
    7. Polkadot – A blockchain network specialized in cross-chain transfers
    8. Uniswap – A decentralized exchange with an automated market maker
    9. XRP – A cryptocurrency for cross-border payments and settlement
    10. Filecoin – A decentralized file storage network
    11. Chainlink – The leading decentralized oracle network for secure data feeds

    Exploring the best long-term crypto projects

    This section will highlight 11 cryptocurrency projects that have demonstrated longevity or are strategically positioned for future growth. The list includes payment-focused cryptocurrencies, smart contract platforms, DeFi protocols, and more. We’ll explore the unique value propositions of each project and why they stand out for long-term investment potential.

    1. Bitcoin – The world’s first and most renowned cryptocurrency

    Bitcoin is the world’s first truly decentralized digital cryptocurrency. It was launched on the 3rd of January 2009 by Satoshi Nakamoto, whose real identity has remained a mystery to this day. The Bitcoin blockchain is a public ledger that is secured by a proof-of-work consensus algorithm. This requires miners to put in computational work to solve complex cryptographic problems and process transactions. For their work, miners can be rewarded with transaction fees and block rewards. The block reward decreases every four years in an event called the Bitcoin halving. This caps the total Bitcoin supply at 21 million coins and generates deflationary pressure.

    While Bitcoin started out as a niche project that mainly interested cryptography enthusiasts and “cypherpunks”, it didn’t take long for a wider audience to recognize the distinctive features of Bitcoin, leading to the emergence of a lively global market for BTC by 2012. The all-time high price for 1 BTC, which sits at $126,025, was reached in October 2025.

    Why is Bitcoin a good crypto to buy today for the long term?

    If you believe cryptocurrency has long-term potential, it’s hard to argue that Bitcoin won’t remain one of the leading assets in the space. It is still the largest cryptocurrency by market capitalization, and while it could eventually be overtaken, Bitcoin is likely to continue playing a central role in the market.

    Bitcoin is also a compelling long-term holding due to its predictable monetary policy. Its supply is capped at 21 million BTC, meaning no more than that will ever exist. The issuance of new coins is highly transparent and can be estimated with precision thanks to scheduled halvings and mining difficulty adjustments. Because of this, many investors see Bitcoin as sound money, which helps support long-term demand and can aid price recovery during market downturns.

    Beyond its monetary design, the Bitcoin network has proven resilient, securing significant amounts of value for more than a decade. Long-term holders have historically seen strong returns, and confidence in the protocol is likely to grow as long as it continues to operate reliably. Institutional interest has also increased since the launch of spot Bitcoin ETFs in early 2024, reinforcing BTC’s position as one of the strongest long-term crypto investments for 2026 and beyond.

    2. Ethereum – The largest smart contract and dApp environment

    Ethereum is an open-source blockchain that pioneered smart contract functionality in 2015. While the Ethereum network can also facilitate transfers of value between different Ethereum addresses, its key added value is in the execution of various smart contracts. Throughout their existence, Ethereum’s smart contract capabilities have facilitated numerous blockchain-powered innovations such as ICOs, DeFi, NFTs, and DAOs.

    Ethereum’s native asset, Ether (ETH), currently holds the position of the second-largest cryptocurrency by market capitalization. In addition, the Ethereum network hosts numerous ERC20 tokens (from exchange tokens to DeFi tokens and stablecoins), which further extend the Ethereum environment’s reach, liquidity, and utility.

    Why is Ethereum a good crypto to buy today for the long term?

    Ethereum is one of the most established cryptocurrencies and currently has the second-largest market capitalization after Bitcoin. It also ranks just behind Bitcoin in terms of institutional interest and access through traditional financial markets, with ETH products widely available to both retail and professional investors.

    The network is supported by a large and active community of developers and users who continue to expand its functionality. This strong ecosystem has allowed Ethereum to drive many of the most important innovations in crypto, including decentralized finance, NFTs, and smart contract standards, and it remains a key platform for new blockchain applications.

    In September 2022, Ethereum completed its transition from proof of work to proof of stake. This shift significantly improved the network’s energy efficiency and laid the groundwork for future scalability upgrades. In 2023, the Shanghai and Capella upgrades enabled ETH staking withdrawals, reducing risk for validators and making staking more accessible. The Dencun upgrade in 2024 introduced proto-danksharding, which sharply reduced transaction costs for layer 2 networks and improved overall scalability.

    Ethereum’s monetary dynamics have also changed meaningfully. The implementation of EIP-1559 in August 2021 introduced a fee-burning mechanism that permanently removes a portion of ETH from circulation with every transaction. Since its launch, several million ETH have been burned, slowing supply growth and, during periods of high network activity, pushing ETH issuance toward deflation. Together, these developments have strengthened Ethereum’s position as a long-term crypto asset with strong fundamentals.

    3. Zcash – A privacy-focused cryptocurrency with optional shielded transactions

    Launched in 2016, Zcash is a decentralized cryptocurrency that builds on Bitcoin’s foundation while introducing advanced privacy features. The project traces its origins to the 2014 “Zerocash” research paper, which proposed a novel approach to confidential blockchain transactions. Zcash became the first major cryptocurrency to implement zk-SNARKs, a zero-knowledge proof technology that allows users to verify transactions without revealing sensitive information. The technology’s significance was recognized when MIT Technology Review named it one of the ten breakthrough technologies of 2018.

    Like Bitcoin, Zcash relies on Proof-of-Work mining and has a fixed maximum supply of 21 million ZEC. The network also follows a halving schedule that periodically reduces mining rewards, with the first halving taking place in 2020 at block height 1,046,400. This predictable issuance model gives Zcash similar scarcity characteristics to Bitcoin while adding optional privacy for users who need greater transaction confidentiality.

    Looking ahead, the Zcash community and Electric Coin Company have explored transitioning the network to a Proof-of-Stake consensus mechanism. Although no migration has been finalized, such a change could reduce energy consumption while enabling features such as staking and potentially improving network efficiency and scalability.

    Why is Zcash a good crypto to buy for the long term?

    Zcash stands out as one of the leading privacy-focused cryptocurrencies, making it an attractive option for investors who expect financial privacy to remain an important part of the digital asset ecosystem. Unlike most blockchains, where transaction details are publicly visible, Zcash allows users to choose between transparent and shielded transactions powered by zk-SNARK technology.

    Its capped supply and Bitcoin-inspired halving schedule provide a transparent and predictable monetary policy, while the project’s ongoing research into Proof-of-Stake demonstrates a commitment to long-term protocol development. At the same time, zero-knowledge cryptography is becoming increasingly important across the broader blockchain industry, reinforcing the relevance of the technology that Zcash helped pioneer.

    Interest in privacy-preserving cryptocurrencies has also strengthened in recent years as users, developers, and institutions place greater emphasis on confidentiality. If this trend continues, Zcash could benefit from growing adoption and increased demand for privacy-centric blockchain solutions.

    4. BNB – The native token of the BNB Chain and Binance ecosystem

    BNB is a cryptocurrency that was launched by Binance, one of the largest cryptocurrency exchanges in the world. Initially called the Binance Coin, this ERC-20 standard token was used to pay for trading fees and other services on the Binance exchange with a discount. However, Binance launched its own blockchain, the Binance Chain, in April 2019, and BNB was migrated from the Ethereum blockchain to the Binance Chain shortly thereafter.

    This is how BNB became the native asset of the BNB chain and was granted a whole new range of utility. The BNB chain is a smart chain that facilitates fast transactions and lower fees compared to the Ethereum network, which made it a popular choice among users and developers. BNB has a limited supply of 200 million coins.

    Why is BNB a good crypto to buy today for the long term?

    As the native cryptocurrency of the Binance exchange, BNB’s success is largely tied to the success of this international cryptocurrency conglomerate, which operates one of the largest and most popular cryptocurrency exchanges in the world. While Binance has a large and active user base and a strong track record of innovation and development, you should be aware that, despite being decentralized on paper, BNB is, in fact, quite centralized because of its strong ties to Binance. To invest in BNB for the long term, you should therefore trust in the success of Binance in the long run.

    Binance offers plenty of bonuses for BNB holders, such as reduced trading fees, the ability to participate in Binance Launchpad, BNB staking, and even earning cashback when paying with the Binance VISA Card. 

    Binance also regularly conducts buybacks and burns of BNB tokens using a portion of its profits, thereby reducing the total supply, and potentially increasing the value of each coin. In addition to the quarterly BNB burns, the BNB chain also employs a real-time burning mechanism introduced by BEP95 (BNB Chain equivalent of EIP-1559 on Ethereum). Holders of the BNB cryptocurrency should be aware that if there are any issues with Binance as a business (like we’ve seen with the SEC lawsuits against the Binance exchange and BUSD creator Paxos), the value of BNB will also likely take a hit.

    5. Cardano – A proof-of-stake blockchain with a vibrant community

    Cardano is a decentralized blockchain platform created to provide secure, transparent, and sustainable infrastructure for decentralized applications and transactions. Founded by Charles Hoskinson, a co-founder of Ethereum, Cardano uses a proof-of-stake consensus mechanism to validate transactions on its network. The blockchain was designed with a rigorous academic approach and features a layered architecture and built-in treasury system for easy maintenance and future upgrades.

    Its native cryptocurrency is ADA, which is used to pay for transaction fees and as a store of value. Cardano’s potential for faster, scalable, and cost-effective transactions, as well as its commitment to sustainability, has gained attention from investors and traders for various use cases, including DeFi and NFTs.

    Why is Cardano a good crypto to buy today for the long term?

    Cardano has a rather large developer community and a very active user base. Perhaps also because of this, the blockchain is steadily receiving upgrades to improve its scalability and smart contract capabilities. The high scalability, ultimate efficiency, and continued improvement of the protocol make Cardano one of the top contenders among the smart contract-enabled chains.

    Cardano is famous for its commitment to rigorous scientific research and development principles. While such a methodical approach allows Cardano to avoid the pitfalls encountered by projects with rushed development, it also has its drawbacks. For example, Cardano has been rather slow at capitalizing on important trends such as DeFi and NFTs. Nevertheless, this could suggest that the growth of Cardano is more sustainable and less hype-driven than that of other comparable projects.

    As the platform’s smart contract functionality evolves further, we will likely see a growing number of interesting decentralized applications launch on this incredibly scalable platform. To conclude, Cardano remains a promising blockchain platform with strong potential for growth in the long term.

    6. Polygon – A leading layer 2 scaling solution for faster transactions

    Polygon is a Layer 2 scaling solution for Ethereum, designed to solve the blockchain’s scalability limitations. Previously known as Matic Network, Polygon uses multiple proof-of-stake sidechains to regularly push data to Ethereum for network checkpoints. With two bridges facilitating seamless asset transfers between Ethereum and Polygon, users benefit from supersonic speeds and high throughput, as well as easy and swift exits to the Ethereum mainnet.

    Polygon’s features have made it an attractive option for DeFi projects, establishing it as a leading player in the DeFi sector. Developers and businesses are taking note of its solutions to Ethereum’s scalability challenges, making Polygon a promising platform for innovation.

    Why is Polygon a good crypto to buy today for the long term?

    The largest fear of investors in Polygon has been that the project will become obsolete as the Ethereum mainnet receives additional scalability-focused upgrades. Nevertheless, even after more than a year following Ethereum’s transition to PoS, Polygon continues to complement Ethereum by further amplifying its scalability and facilitating interoperability with other blockchain networks. Even after Ethereum developers deploy sharding, it is far more likely that Polygon will shift its focus to other use cases than straight up disappear, causing MATIC’s price to crash.

    Polygon has lately achieved considerable success and adoption in the NFT sector. The popular Layer 2 solution has secured partnerships with several mainstream companies, including Reddit, Starbucks, DraftKings, and Robinhood, indicating its potential as a significant beneficiary if blockchain-based applications and NFT-based collectibles gain mainstream popularity.

    In addition, the Polygon network has maintained a high level of activity even during past bear market conditions. This is a significantly positive sign that reflects the network’s utility and the project’s long-term vision, which are independent of current market conditions.

    7. Polkadot – A blockchain network specialized in cross-chain transfers

    Polkadot is a next-generation blockchain platform that addresses issues of interoperability and scalability through the use of parallelly-run chains, also called parachains. Similarly to Cardano, the Polkadot project was created by one of the developers initially involved with Ethereum; the founder of Polkadot is Ethereum co-founder Gavin Wood. The platform is designed to allow different blockchains to connect and communicate with each other, creating a seamless network of various blockchain ecosystems.

    Polkadot uses a unique consensus mechanism known as nominated proof-of-stake (NPoS) and allows for cross-chain communication, enabling the creation of decentralized applications that can leverage the features and functionalities of multiple blockchains. The platform utilizes a native currency called DOT.

    Why is Polkadot a good crypto to buy today for the long term?

    Polkadot’s unique value proposition as a platform for cross-chain communication and interoperability has attracted significant attention from developers and investors.

    The platform’s modular design allows for not only flexibility and upgradability but also virtually unlimited room for growth. In addition, each parachain can be customized to best accommodate the specific needs of each project. The use of parachains will allow Polkadot to capitalize on any new trends that will emerge in the crypto space in the future.

    Last but not least, Polkadot has repeatedly stayed within the Top 50 highest market cap cryptocurrencies and already has a vibrant ecosystem of developers and projects building on the platform. This could indicate that the ecosystem has a potential for continued growth and innovation in the long term, making Polkadot one of the most promising blockchain platforms currently available.

    8. Uniswap – A decentralized exchange with an automated market maker

    Uniswap is an automated market maker (AMM) protocol that enables quick and easy swaps between different Ethereum-based tokens. Its governance token, UNI, is an ERC-20 token that allows holders to vote on proposals that determine the future of the platform.

    In the past, Uniswap has been struggling with high fees on the Ethereum network, which have caused a decline in its user base and market share. Rather than giving up, the project answered by implementing upgrades that improved its services and reduced fees. Two major milestones were the release of Uniswap V3 in March 2021, which implemented an improved version of the AMM protocol, and the launch of the Uniswap protocol on two Ethereum Layer 2 networks in July 2021.

    Why is Uniswap a good crypto to buy today for the long term?

    Uniswap is a decentralized exchange protocol that allows users to trade cryptocurrencies without the need for intermediaries. With over $4.1 billion locked across six different blockchains, Uniswap is already an established player in the DeFi space. Continued demand for decentralized finance (DeFi) and decentralized trading has been a significant driver of Uniswap’s growth in the past and will likely continue to fuel Uniswap’s development and UNI’s appreciation in the future.

    In the future, Uniswap could benefit from the influx of new investors. As more people become interested in cryptocurrencies and decentralized finance, they will discover Uniswap and likely start using its services. Furthermore, Uniswap could benefit a lot if more centralized exchanges get into trouble or are struck by negative publicity, as was the case in November 2022, when FTX collapsed.

    For the long-term success of a project, it is also crucial that the developers continue to introduce new features and improve the existing ones. Since Uniswap regularly introduces new features and deploys improved and more efficient iterations of its protocol, such as Uniswap v3, UNI could be a good crypto to hold for the long term.

    9. XRP – A cryptocurrency for cross-border payments and settlement

    XRP is the native cryptocurrency of the Ripple blockchain, which was launched in 2012 by Chris Larsen, Jed McCaleb, and Arthur Britto. It was designed to enable fast and inexpensive cross-border payments, with the goal of improving the traditional banking system. The Ripple network uses a unique Ripple Protocol consensus algorithm (RPCA), which is neither proof-of-work nor proof-of-stake. Instead, it relies on a distributed agreement protocol to validate transactions, allowing for faster and more efficient processing.

    One of the unique features of Ripple is its maximum supply of 100 billion coins, all of which were minted at launch. At that time, 80% of the total XRP supply was given to fintech firm Opencoin, which later rebranded as Ripple Labs in 2015. As of today, Ripple Labs still holds more than half of the total XRP supply. However, most of the company’s XRP holdings are locked in escrow, with a small portion released each month.

    Why is XRP a good crypto to buy today for the long term?

    XRP has established a distinct role in the crypto market by focusing on fast and low-cost financial transfers. This gives it a practical long-term use case, especially in areas where speed and efficiency are critical. As global remittances continue to expand, solutions like Ripple’s On-Demand Liquidity (ODL) could become more relevant for institutions looking to move money internationally without relying on slow and expensive legacy systems.

    The XRP Ledger has also demonstrated strong reliability over more than a decade of continuous operation. Its consensus mechanism allows for high transaction throughput without the energy demands associated with Proof-of-Work networks. This makes the network well-suited for large-scale payment activity while remaining efficient and stable.

    In addition, Ripple continues to build partnerships with banks, payment providers, and financial institutions. These integrations suggest growing interest in blockchain-based payment infrastructure and could support broader adoption over time. With a fixed XRP supply and an established role in cross-border payments, XRP remains a notable long-term project within the payments-focused segment of the crypto market.

    10. Filecoin – A decentralized file storage network

    Filecoin is a decentralized storage network that allows users to rent out their unused hard drive space in exchange for the platform’s native cryptocurrency, FIL. The project raised $205 million worth of crypto in a 2017 ICO and launched its highly anticipated mainnet on October 15, 2020.

    Filecoin uses a proof-of-replication consensus mechanism to ensure that data is stored correctly and securely. By incentivizing users to contribute storage space, Filecoin creates a decentralized network that allows for more efficient and cost-effective data storage compared to centralized cloud storage providers.

    Why is Filecoin a good crypto to buy today for the long term?

    Filecoin network’s decentralized storage service eliminates dependence on centralized cloud storage providers and offers a highly competitive storage marketplace that results in improved consumer pricing. With the wider adoption of cryptocurrency, blockchain, and decentralized protocols, projects like Filecoin are poised to enjoy increased demand for their services. In fact, decentralized storage will likely be critical for supporting the migration to Web3 solutions.

    An excellent example of the network’s potential application is in storing media linked to NFTs, ensuring that it remains accessible and unaltered over an extended period. If the need for decentralized storage expands, Filecoin could certainly emerge as one of the major cryptocurrency powerhouses in the near future.

    11. Chainlink – The leading decentralized oracle network for secure data feeds

    Chainlink is a decentralized oracle network that connects smart contracts to off-chain data sources and APIs. It enables smart contracts to access external data securely and reliably, thus providing a bridge between the blockchain and the real world. As of today, Chainlink is one of the most widely used oracle solutions in the blockchain ecosystem, with a growing number of integrations with various blockchain platforms and projects.

    The network is powered by LINK, its native token, which is used to pay node operators for providing reliable data and to secure the network through staking. Furthermore, LINK is also used as a governance token for the project, allowing token holders to vote on proposals to improve the network.

    Why is Chainlink a good crypto to buy today for the long term?

    Since its launch in 2017, Chainlink’s decentralized oracle network has quickly grown to become a cornerstone of the crypto ecosystem. The network plays an almost irreplaceable role in many decentralized applications on several different blockchains, including major projects like Aave, Synthetic, Compound, and Ethereum Name Service.

    Chainlink’s services have an immense number of potential applications. A particularly interesting one is that Chainlink’s secure and reliable access to off-chain data makes it a valuable tool for verifying the solvency of cryptocurrency exchanges and other financial institutions. These entities could generate and display their proof of reserves using Chainlink in the future.

    Furthermore, Chainlink is currently in the process of transitioning towards Economics 2.0, which will feature LINK staking along with the BUILD and SCALE programs designed to expand the Chainlink ecosystem and make the network more accessible for developers. With these developments, Chainlink’s potential for growth over the long term is substantial.

    The bottom line – Long-term investing is about looking at the big picture

    We sincerely hope that this article has provided you with valuable insights and ideas to consider in your quest to find the most promising and ultimately best crypto for long-term holding. In general, all the featured cryptocurrencies are already established projects with a clear vision for future development, a growing user base, and active developers. This is why these projects are poised to thrive regardless of the ups and downs of the volatile cryptocurrency markets. Therefore, they present excellent investment opportunities for those seeking long-term growth.

    Nevertheless, the best cryptocurrency to invest in widely varies between investors, as the pick greatly depends on your investment goals, risk tolerance, skill, knowledge, and the amount of time you are prepared to put into research and portfolio management. If you decide to get into the HODL game, make sure to do your own research and take all the necessary precautions to keep your assets safe. Our guides on the best hardware wallets and best metal wallets can help you choose a secure storage setup catered to your needs.

  • Can XRP Reach $500 and What Would It Take?

    Can XRP Reach $500 and What Would It Take?

    You’re wondering if XRP can reach a whopping $500 price point — a notion that seems unlikely at first glance (and second and third, to be fair). To achieve this, the market capitalization of XRP would need to skyrocket to over $26 trillion. That would dwarf the GDP of major economies. 

    This would require a monumental shift in the cross-border payments market, with widespread adoption and favorable regulatory outcomes. While this scenario might seem far-fetched, there are factors that could drive significant growth. 

    Let’s explore what it would take for XRP to reach such heights and what industry experts have to say about its potential trajectory.

    Key takeaways

    • Market Cap Requirement: A $500 price point requires a market cap exceeding $26 trillion, making it highly improbable.
    • Growth Necessity: XRP needs an unprecedented increase of over 100,000% from its current price to reach $500.
    • Adoption and Demand: Capturing a larger share of the cross-border payments market and increased adoption by financial institutions are crucial for significant price increases.
    • Realistic Targets: More plausible price targets are between $10 and $50, contingent on favorable market conditions and regulatory clarity.

    XRP market capitalization analysis

    The prospect of XRP reaching a $500 price point hinges heavily on its market capitalization. To put this in perspective, achieving such a price would require a market cap of approximately $26 trillion, which far surpasses the total market cap of all cryptocurrencies combined and is significantly higher than the GDP of major economies like the United States.

    Currently, XRP’s market cap stands around $31 billion, indicating that the asset would need to increase more than 700 times to achieve the proposed $500 price point. We don’t like to make bold predictions here, but… this just isn’t happening any time soon.

    A more realistic analysis suggests that even capturing a significant share of the growing global remittance market would yield a much lower price. For instance, capturing 25% of this market would only yield about $50 billion in revenue, translating to a potential price of $250.

    This shows how impractical it is to expect a $500 price point for XRP under current market dynamics and regulatory environments.

    Thus, a price analysis reveals that the notion of XRP reaching $500 is highly speculative and unlikely without substantial shifts in market conditions and regulatory clarity.

    Ripple project overview

    Ripple’s project encompasses a multifaceted approach to revolutionizing cross-border payments. It leverages its XRP token to provide liquidity and efficiency.

    You can see this reflected in RippleNet, their platform that uses XRP as an intermediary to enable fast international transactions. This strategy aims to provide liquidity services to businesses and financial institutions. Ripple is positioned as a potential disruptor to traditional systems like SWIFT.

    Founded in 2012 by Chris Larsen and Jed McCaleb, Ripple’s XRP has grown to become the 3rd largest cryptocurrency by market capitalization.

    With a maximum supply of 100 billion tokens and a circulating supply of approximately 56 billion XRP, it’s evident that their strategic partnerships with major financial institutions like American Express and Bank of America are working well for them.

    A key part of their success is the Ripple Protocol Consensus Algorithm (RPCA), which enhances decentralization and security, allowing Ripple to process 1,500 transactions per second with a block processing time of just 0.06 seconds.

    This technical capability, combined with strategic partnerships, highlights the Ripple project’s potential to transform cross-border payment efficiency for financial institutions.

    Historical price analysis of XRP

    When examining the historical price movements of XRP, you’ll notice a pattern of significant volatility, marked by dramatic fluctuations since its launch on February 1, 2013. Initially, XRP gained little market attention but eventually reached an all-time high of $3.84 in January 2018 during a bull market. 

    This peak was followed by a steep decline to around $0.20 in November 2020, partly due to the SEC lawsuit against Ripple Labs, which significantly impacted its market performance.

    Analyzing the historical data, you can see that XRP experienced a surge to approximately $1.96 in 2021 but faced instability due to fluctuating market conditions and continued legal challenges.

    More recent data shows that as of March 6, 2026, XRP closed at roughly $1.40. This shows a fairly cautious market sentiment despite a 386% growth in 2024. By the end of the year, our XRP price prediction shows that the token will rise to $1.75, which would be a relatively modest but still very respectable 25% price increase.

    These price movements underscore the volatility of XRP. This historical context provides a foundation for understanding XRP’s potential price trajectories.

    XRP current fundamentals

    XRP’s current market position is built on a foundation of robust fundamentals that show its utility in the global financial ecosystem. You’ll find that XRP’s speed, liquidity provisions, and regulatory clarity play significant roles in its market dynamics.

    Considering its current market cap of approximately $85 billion, XRP is the 5th largest cryptocurrency. The circulating supply of about 61 billion tokens out of a maximum of 100 billion indicates a substantial but controlled supply.

    Key points to note about XRP’s fundamentals include:

    1. Transaction Efficiency: XRP can process 1,500 transactions per second, with a block processing time of just 0.06 seconds, making it significantly faster than many other cryptocurrencies.
    2. Liquidity Solutions: Ripple’s On-Demand Liquidity service eliminates the need for pre-funded accounts, enhancing the efficiency of cross-border transactions and liquidity for financial institutions.
    3. Market Structure: The top 10 addresses hold only 20.5% of the total supply, indicating a relatively decentralized structure.
    4. Regulatory Clarity: A pivotal ruling in the SEC lawsuit clarified that XRP isn’t classified as a security for public sales. This has had a positive impact on its market perception and trading volume.

    These fundamentals suggest that while ambitious targets like $500 are impractical, more realistic predictions, such as $10 to $50 by 2040 or 2050, could be feasible under favorable market conditions.

    Bullish market scenario analysis

    Market momentum and favorable regulatory environments are necessary factors in the bullish market scenario for XRP. To reach a price target of $500, you’d need to see significant shifts in demand and adoption that propel XRP’s market capitalization to approximately $26 trillion, surpassing the combined market cap of major corporations like Microsoft and Apple.

    In a bull market, capturing a substantial share of the growing global remittance market could enhance XRP’s value. If XRP were to capture 25% of the cross-border remittance sector, it could yield around $50 billion in revenue for Ripple, potentially translating to a price of $250 under favorable conditions.

    However, achieving a $500 or even a $250 price point remains highly unlikely without substantial changes in market dynamics and regulatory clarity.

    Still, that doesn’t mean XRP’s price can’t go up. Ripple’s strategic partnerships with over 200 financial institutions, including Bank of America and Santander, increase the likelihood of increased adoption and transaction volumes necessary for a price surge.

    Positive regulatory outcomes, such as the recent ruling deeming XRP not a security for public sales, could also bolster investor confidence and lead to a substantial price increase if market sentiment remains bullish.

    Bearish market scenario analysis

    In a bearish market scenario, the path to a $500 price point for XRP appears insurmountable. The sheer scale of market capitalization required – approximately $31 trillion – far exceeds the total market cap of all cryptocurrencies combined as of March 2026.

    To put this into perspective, consider the following:

    1. Astronomical market cap: Achieving $500 per XRP would necessitate a market capitalization that surpasses the US GDP, an unprecedented and unrealistic target.
    2. Unfeasible price surge: XRP would need to increase by over 100,000% from its current price of around $0.49, a growth trajectory that’s highly improbable given existing market conditions.
    3. Regulatory hurdles: Even a partial victory in the SEC lawsuit may not be enough to drive XRP’s price significantly higher due to ongoing regulatory uncertainties and market sentiment.
      Historical performance: XRP’s historical price peaks, such as its all-time high of $3.84 in 2018, have yet to be replicated, further challenging the likelihood of reaching $500.

    Factors influencing XRP price

    Regulatory and market dynamics have a significant impact on the price of XRP. As an investor, you need to be aware of these factors.

    The SEC lawsuit against Ripple, for instance, has had immediate implications for XRP’s legal status and market confidence. 

    ripple website

    Market sentiment also plays a huge role. The price movements of XRP are often correlated with the performance of major cryptocurrencies like Bitcoin and Ethereum. Positive developments in these markets can have a ripple effect (no pun intended) on XRP’s value.

    Also, increased adoption by financial institutions can raise demand for XRP, which would impact its price positively. For XRP to reach higher price targets, it needs to capture a larger share of the cross-border payments market, which would necessitate a substantial increase in market cap.

    Roadmap to $500 Price Point

    XRP’s roadmap to a $500 price point hinges on a series of highly improbable events and market conditions. The most significant barrier is the astronomical market cap required, estimated at $31 trillion, which far exceeds the current US GDP. 

    For XRP to reach this level, it would need to capture a substantial share of the cross-border payments market, which is projected to reach $250 trillion by 2027.

    Consider the following key factors that could theoretically support such a high price target:

    FactorDescription
    Market ShareCrypto as a whole would need to take off significantly from where it is currently, and XRP would need to be at the forefront of it.
    Market SentimentCrypto as a whole would need to take off significantly from where it’s at currently, and XRP would need to be at the forefront of it.
    PartnershipsEstablishing liquidity and demand through partnerships with over 200 financial institutions.

    Given these conditions, even reaching a 10% market share would be a significant challenge. The historical price pattern suggests that XRP would need an unprecedented increase of over 100,000% from its current levels. This target is highly speculative at best and is likely not rooted in reality.

    Frequently asked questions

    How high can XRP go?

    XRP could potentially reach a price range of $10 to $50 if favorable market conditions and regulatory clarity align, especially with broader adoption in the cross-border payments market. However, reaching a price as high as $500 is highly improbable without monumental shifts in market dynamics.

    How high will XRP go in 2026?

    By the end of 2026, XRP might realistically reach $1.74, but it would require a lot of factors to align perfectly. Reacting higher than that, such as $10, is contingent on increased adoption by financial institutions and very positive crypto market sentiment. This price range accounts for decent growth in cross-border payments and positive legal developments.

    How high will XRP go in 2030?

    By 2030, XRP could potentially reach $50, assuming significant market adoption, widespread use in cross-border payments, and ongoing regulatory clarity. This is a best-case scenario with strong institutional support and expanding use cases.

    Will XRP reach $1,000?

    Reaching $1,000 for XRP is extremely unlikely given the market capitalization required, which would need to surpass the total GDP of many major economies. Such a price would require unprecedented shifts in both financial markets and XRP adoption on a global scale. In short, XRP is very unlikely to reach $1,000 in our lifetime.

    The bottom line

    You’re examining if XRP can reach $500. Given its current market cap and the astronomical increase needed, reaching this price point seems highly improbable. A more realistic goal is between $10 and $50, contingent on favorable market conditions and increased engagement from financial institutions. Even then, it would likely take decades.

    Achieving a $500 valuation would require significant adoption in cross-border payments and would lead to a market cap exceeding $31 trillion. Simply put, this is beyond the realistic scope of current market trends.

    In a similar vein, investors hope XRP will reach $500; some Solana traders believe that SOL has what it takes to reach $1,000.

  • XRP Airdrops 2026: Here’s How You Can Check If You’re Eligible

    XRP Airdrops 2026: Here’s How You Can Check If You’re Eligible

    If you’re an XRP holder, you might be eligible for airdrops. But how do you know if you qualify? The first step is to check the snapshot date and time specified by the project conducting the airdrop. Use the Bithomp XRP explorer to verify your wallet balance as of that date. 

    If you held a sufficient amount of XRP in an eligible wallet, such as Xumm or another non-custodial option, you might be in line for some free tokens. But there’s more to it – let’s take a closer look at the specifics.

    Key takeaways

    • Verify snapshot date: Check the official project channels for the exact snapshot date to determine eligibility.
    • Use the Bithomp XRP explorer: Utilize Bithomp to verify wallet balance at the snapshot date using its “time machine” feature.
    • Hold XRP in eligible wallets: Store XRP in a personal, non-custodial wallet like Ledger or Xumm to qualify for airdrops.
    • Understand allocation rules: Token allocation is typically based on the amount of XRP held at the snapshot time, with upper limits to prevent excessive rewards.
    • Track official announcements: Follow project-specific channels and reputable news sources to stay updated on airdrop eligibility and claiming procedures.

    XRP airdrop eligibility criteria

    To check if you’re eligible for an airdrop, use tools like the Bithomp XRP explorer to verify your wallet balance as of the snapshot date.

    Many airdrops place limits on allocations to prevent excessive rewards to larger holders, or “whales.” These limits ensure a broader distribution of tokens among smaller holders.

    To secure airdrop tokens, follow official project announcements and utilize supported platforms for claiming the tokens post-airdrop.

    Staying engaged with the community and regularly checking participation metrics can enhance your chances of receiving tokens and provide insights into upcoming opportunities.

    Always verify the information through reliable sources to avoid any potential issues.

    Previous XRP airdrops

    Airdrops have been a significant trend in the cryptocurrency space, and XRP is a part of that. Here are a few examples of airdrops for XRP holders that have already been completed.

    Flare

    One of the most widely known airdrops for XRP holders was carried out by Flare, a project focused on building data acquisition protocols for decentralized application developers. In simple terms, Flare aims to provide blockchain applications with reliable real-world data through a decentralized system.

    The snapshot for the Flare token airdrop was taken on December 12, 2020. However, eligible users didn’t receive their FLR tokens until early January 2023.

    This airdrop was supported by many major cryptocurrency exchanges. Platforms such as Coinbase and Binance distributed FLR tokens to users based on the amount of XRP they held on their exchange accounts at the time of the snapshot.

    Midnight

    Midnight is a data protection project designed as a layer-1 blockchain linked to the Cardano ecosystem. The project distributed its NIGHT tokens to users across eight different blockchains, with more than 37 million wallets qualifying for the airdrop.

    The snapshot for the Midnight airdrop was taken on June 11, 2025. XRP holders were eligible if they held at least $100 worth of XRP in a non-custodial wallet at the time of the snapshot. Holdings on centralized exchanges did not qualify. The amount of NIGHT tokens allocated depended on the USD value of the XRP held during the snapshot, meaning larger balances resulted in larger allocations.

    The claim period for the Midnight airdrop opened on August 5, 2025, and lasted until October 4, 2025.

    The airdrop is now in the “Redemption” phase. Users who claimed their tokens before the October 4 deadline can redeem their allocations in several stages. This phased distribution likely helps prevent a large number of tokens from entering the market at once. By releasing tokens gradually, the Midnight team aims to reduce selling pressure and support a healthier market for the NIGHT token.

    Evernode

    Evernode, a layer 2 project that’s working on introducing smart contract capabilities to the XRP ecosystem, made a snapshot of the XRP blockchain on September 1, 2023. Evernode said that it would use the snapshot to airdrop EVR tokens to users once the Xahau Network platform was ready to launch.

    Uphold and Bitrue, two exchanges who are known to be very XRP-friendly, announced support for the Evernode airdrop. However, most major crypto exchanges did not and most users who held XRP on exchanges at the time of the snapshot were not eligible to receive Evernode’s EVERS tokens.

    In December of 2023, the Evernode project notified users that the Evernode airdrop registration process had finished. In total, 38,478 XRP Ledger addresses in total were eligible from the airdrop. This includes both addresses owned by individual users and addresses controlled by Bitrue and Uphold cryptocurrency exchanges.

    It’s important to note that Evernode relied on the Xumm XRP wallet to release functionality allowing users to claim the EVERS airdrop. According to the Evernode project, this was necessary due to the airdrop’s technical complexity. The airdrop finally happened in early 2024, with Uphold users sharing news of airdroped EVERS.

    Here’s the full timeline of the now-concluded EVR airdrop:

    • August 31, 2023 – Uphold announces support for the EVR airdrop.
    • January 15, 2024 – Evernode network launched.
    • February 20, 2024 – Uphold to process & distribute the airdrop to qualifying customers on February 28th.
    • February 28, 2024 – Uphold processed the airdrop for distribution.

    Checking airdrop eligibility

    Determining your eligibility for XRP airdrops involves verifying that your wallet held a sufficient amount of XRP at the time of the project’s snapshot. This is vital because the snapshot date determines who qualifies for the token distribution.

    To check your eligibility, use tools such as the Bithomp XRP explorer to verify your wallet balance at the specified snapshot time. First, find the exact snapshot date and time on the project’s official website or social media channels.

    Then, enter your XRP Ledger address in the Bithomp XRP explorer and use its “time machine” feature to see your balance at the time of the snapshot. If your wallet balance meets the project’s eligibility criteria, you’re eligible to receive the airdropped tokens.

    Regularly check the project’s official channels and engage with their community. This will keep you updated on any additional requirements or announcements regarding the airdrop distribution process.

    Some projects may publish user eligibility lists detailing accepted wallet addresses for the airdrop, further confirming your eligibility status. Staying informed ensures you don’t miss out on potential token distributions.

    Securing your tokens

    You need to take proactive measures to safeguard your airdrop tokens.

    When it comes to securing your tokens, storing them in a personal, non-custodial wallet such as Ledger or Xumm is a must. These wallets provide enhanced security compared to exchanges, which can be vulnerable to hacking and other security breaches.

    Here are some key steps you should take to secure your tokens:

    1. Regularly backup your wallet data and recovery phrases: This makes sure that you won’t lose access to your tokens in case of emergencies.
    2. Monitor your wallet activity continuously: Regularly checking your wallet activity helps detect any unauthorized transactions, keeping your tokens safe.
    3. Enable two-factor authentication (2FA): Adding an extra layer of security for your wallets with 2FA can significantly reduce the risk of unauthorized access.

    We recommend using a hardware crypto wallet such as the Ledger Nano S to provide the best security for your XRP holdings.

    Protecting yourself from scams and fake XRP airdrops

    With the rise of airdrops in the cryptocurrency space, scammers have become very sophisticated with, among other things, fake airdrop campaigns. You must be able to  recognize potential red flags and take steps to safeguard your assets.

    Here are some essential security tips to protect yourself from scams and fake XRP airdrops:

    • Verify the source: Always ensure that the airdrop is coming from an official and trusted source. Cross-check announcements on the project’s official website or verified social media channels. Beware of unsolicited messages claiming you are eligible for an airdrop. 9 times out of 10, if someone messages you out of the blue, it’s an attempt to phish for personal information.
    • Be cautious with unknown links: Scammers often use fake websites to imitate legitimate projects, asking users to connect their wallets or provide sensitive information. Never click on unfamiliar links, especially those sent via email or social media. Use official sources to access airdrop information directly.
    • Use trusted wallets: Stick to well-established wallets like Ledger or Xumm when storing your XRP. Non-custodial wallets allow you to maintain control over your private keys, which reduces the risk of losing funds to compromised platforms.
    • Enable Two-Factor Authentication (2FA): If available, enable 2FA for added security on your wallet and exchange accounts. This provides an additional layer of protection by requiring a secondary code to authorize transactions or logins.
    • Check for fake airdrop promises: Some scammers promise exaggerated rewards to lure in users. Airdrops aren’t likely to make you rich. If an airdrop offer seems too good to be true, it likely is. Always review the project’s documentation to understand the real airdrop structure and token allocation.
    • Monitor your wallet activity: Regularly check your wallet for any unauthorized transactions. Most scammers aim to access your wallet without your knowledge, so staying vigilant can help detect any suspicious activity early.
    • Use blockchain explorers: Tools like Bithomp XRP Explorer can help you verify wallet balances and transaction history. Before participating in any airdrop, ensure your account meets the eligibility criteria, and be cautious about any discrepancies.

    Project-Specific requirements

    When participating in XRP airdrops, always aim to understand the project-specific requirements that govern eligibility. Each airdrop has its own set of rules that you need to follow to receive the tokens. Here are three key aspects to consider:

    1. Snapshot dates and eligible wallets: Most airdrops require you to hold XRP in eligible wallets at the time of the snapshot. For instance, the Evernode airdrop on September 1, 2023, mandated that users hold XRP in non-custodial wallets like the Xumm wallet.
    2. Token allocation based on XRP holdings: Airdrops typically allocate tokens based on the amount of XRP you hold at the snapshot date, often with upper limits to prevent larger holders from receiving disproportionate rewards.
    3. Additional actions and compliance: Some projects may require you to engage in specific actions, such as joining a community or trading on a particular exchange, and ensure compliance with project guidelines published on official channels.

    Staying updated on airdrops

    Understanding eligibility is just the first step in maximizing your potential gains from XRP airdrops. To truly capitalize on these opportunities, you need to stay updated on airdrops by following official projects and community channels for announcements and eligibility requirements.

    This includes keeping tabs on project-specific requirements, such as snapshot dates and wallet balances, which can be verified using tools like the Bithomp XRP explorer.

    Engage with reputable social media accounts dedicated to cryptocurrency airdrops for timely information about upcoming events.

    For instance, knowing which exchanges support airdrop distributions, such as Uphold and Bitrue for the Evernode airdrop, is obviously necessary. Regularly check trusted cryptocurrency news platforms so that you have access to the latest updates and insights on potential airdrop opportunities.

    FAQs

    How to earn XRP for free?

    You can earn XRP for free by participating in legitimate airdrops, joining crypto reward programs, or completing tasks on websites that offer XRP as a reward, e.g. pay-to-click sites. Always make sure you’re using trusted platforms and avoid scams that promise free XRP.

    How to find legit airdrops?

    To find legitimate airdrops, follow official project channels, reputable cryptocurrency news platforms, and verified social media accounts. Use trusted airdrop tracking sites and always double-check the source to avoid scams. Check out our article on the best crypto airdrops.

    How to claim airdrops?

    To claim airdrops, you typically need to hold a specific cryptocurrency in an eligible wallet at the snapshot date. Follow the project’s instructions for claiming the tokens. They will often require you to connect your wallet to a supported platform or complete specific actions.

    Do airdrops really pay?

    Yes, legitimate airdrops can provide real tokens, but the value of these tokens varies. While some airdrops result in valuable rewards, many offer small amounts, and the tokens may take time to increase in value.

    The bottom line

    At the time of writing this article (March 2026), there are no significant upcoming airdrop snapshots for XRP holders. However, airdrops for XRP holders are relatively frequent, which is certainly a nice perk if you’re a long-term XRP holder.

    Still, airdrops usually don’t translate to a significant amount of value, so it’s probably not wise to invest in XRP just because you’d like to occasionally receive airdrops. 

    It’s important to note that you’ll usually need to hold XRP in your own wallet instead of having it on an exchange if you want to be eligible for airdrops. 

    In addition, you should be very careful about scams. Since XRP is a very popular cryptocurrency, XRP holders are often targeted by scammers and fake projects. For example, a fake project might try to lure users onto a malicious website under the pretense that they’re conducting an XRP airdrop.

    Before trying to participate in any airdrop campaigns, make sure to conduct very thorough research so you know if you’re dealing with a legitimate project or not. If you also want to benefit from more cryptocurrency airdrops and not just XRP airdrops, check out our list of the best airdrop sites for free crypto airdrops.

  • XRP Price Prediction for 2040 and 2050: How High Can It Go?

    XRP Price Prediction for 2040 and 2050: How High Can It Go?

    There are many conflicted opinions on XRP’s long-term potential, as some still consider XRP “not a real crypto” because of its implications in banking. However, XRP could see a significant surge over the long term, with estimates ranging from $2.50 to $9.15 in 2040. Projections for 2050 are even more varied, suggesting maximum prices between $7.32 and $15.70. 

    What fuels this spectacular growth potential? Factors like regulatory outcomes, market conditions, and potential increased use in financial services all play a role. Let’s uncover the catalysts behind XRP’s predicted ascension and what this might mean for the future of cryptocurrency investing.

    Key takeaways:

    • The resolution of the SEC lawsuit, the launch of a USD-backed stablecoin, and increased adoption by financial institutions could drive XRP price appreciation.
    • Regulatory clarity and resolution of legal challenges will significantly influence XRP’s price trajectory and market confidence.
    • Historical growth rates and market dynamics suggest significant long-term potential, with emphasis on cautious, ongoing market analysis.

    XRP price history

    The journey of XRP’s price history is marked by significant milestones and dramatic fluctuations. If you’ve been following XRP, you know it was launched in 2012 at an initial trading price of less than 1 cent. It’s astonishing to see how far it has come, experiencing a surge of over 5,100% from its inception to its current price of $1.44 as of March 2026.

    The strongest year for XRP was undoubtedly 2017, where it gained over 35,000%, reaching an all-time high of $3.40 in January 2018.

    Source: CoinCodex

    The road to success was anything but smooth, though. Following the SEC lawsuit announcement in late 2020, XRP faced considerable price volatility, dropping to around $0.20 in 2019 before ultimately recovering.

    Despite these challenges, it managed to end 2023 trading at around $0.62 after fluctuating due to market conditions and legal developments. After the SEC dropped the lawsuit against Ripple, the cryptocurrency reached $3.64, though it has been dropping since then, all the way to $1.44 as of March 2026.

    These historical patterns are important to understand future price predictions, which suggest a potential range of $2.50 to $9.15 by 2040, and even higher in 2050, based on historical growth trends.

    Long-term XRP growth catalysts

    When examining long-term XRP growth catalysts, you’ll notice several key factors that could significantly propel the cryptocurrency’s price.

    Let’s break down what these are and why they matter.

    • Firstly, the resolution of the ongoing SEC lawsuit could be impactful. The lawsuit was finally ruled on in August 2024, and although some of SEC’s claims were denied, Ripple was still fined $125 million. Regardless, investor confidence and market acceptance were apparently reinvigorated by the mere fact that the lawsuit was over. Moving forward, it will be crucial to monitor the XRP rich list for any notable changes made by large investors.
    • Also, Ripple launched a USD-backed stablecoin in 2025, improving liquidity and broadening the use cases for XRP as a digital asset, further driving demand and price appreciation.
    • Moreover, increased adoption of XRP by financial institutions for cross-border transactions is vital. As more institutions integrate XRP into their operations, demand will increase, supporting long-term price appreciation.
    • Market dynamics also play a significant role in XRP’s future price. Historical growth projections suggest that XRP could reach a maximum price of $9.15 by 2040 and $15.70 by 2050, driven by market dynamics and adoption rates.

    To sustain the long-term growth projections, XRP is already making strategic moves in 2024.

    XRP price prediction 2040

    Predicting the future price of XRP in 2040 involves considering various growth scenarios and market factors. You need to look at multiple data points and forecasts.

    The maximum potential of XRP in 2040 varies significantly among analysts. 

    For instance, based on the historical growth of the S&P 500, XRP could reach approximately $7.03, representing a 488% increase from current levels.

    Here are key predictions to consider:

    1. Conservative estimates: Some analysts predict a more modest growth, with the maximum price potentially hitting $5.96 and an average price exceeding $4.90. However, these predictions are less commonly cited compared to more optimistic forecasts.
    2. S&P 500 growth model: Based on the S&P 500’s historical ROI, XRP could reach approximately $7.03 by 2040.
    3. Long-term potential: Some forecasts suggest that XRP’s price in 2040 could range from $13 to $22, driven by increasing global trade and partnerships, but these estimates are more speculative in nature and should be taken with extreme caution.

    XRP price prediction 2050

    When you look at XRP price forecasts for 2050, you’ll notice an even wider range of possibilities (not unlike price forecasts for 2040). 

    On one hand, based on the historical growth of the S&P 500, XRP could reach approximately a maximum price of $21.81 by 2050.

    This bullish outlook depends on the successful resolution of regulatory challenges and increased adoption of the Ripple network.

    Market dynamics, including demand from financial institutions and technological advancements, will play a big role in determining XRP’s future price trajectory. If these favorable conditions are met, XRP’s market cap could potentially exceed $3 trillion, similar to Bitcoin’s peak valuation.

    Factors influencing XRP price

    XRP’s long-term prospects may suggest significant price growth, but understanding what drives this potential is important for investors. 

    Market dynamics, particularly supply and demand, play a big part in determining XRP’s price. A rise in usage, driven by its fast transaction speed and low fees, can lead to price appreciation. Also, regulatory developments will help increase (or reduce) investor confidence and XRP’s market valuation.

    Here are the key factors to consider:

    1. Transaction speed: XRP’s ability to settle transactions in just 3-5 seconds increases its attractiveness for cross-border payments.
    2. Low transaction fees: Averaging around $0.0002 per transaction, these fees contribute to increased demand from financial institutions and users.
    3. Regulatory developments: Future regulatory decisions can significantly impact investor confidence and XRP’s market valuation.
    4. Technological advancements: Updates to the XRP Ledger are expected to enhance scalability and security, which would make XRP more appealing in the competitive cryptocurrency landscape.

    Historical performance and trends

    Have you ever heard the expression “History doesn’t always repeat, but it does rhyme”? To understand what XRP is likely to do in the coming years and decades, we should also take a look at what it has done so far.

    The rollercoaster ride of XRP’s price history shows its volatile nature, yet it also reveals growth and resilience. As you look into its historical performance, you notice that XRP’s price has experienced significant surges and downturns since its inception in 2012, but it’s always managed to survive and come back up.

    Initially trading at $0.01, it reached an all-time high of $3.40 in January 2018, only to decline and trade below $1 by 2019.

    Examining historical price patterns, you see that XRP’s fluctuations are often influenced by broader market trends and regulatory developments. 

    Many cryptocurrencies, such as Bitcoin and Ethereum, set new all-time highs in the bullrun in 2021; however, XRP was unable to beat its all-time high from 2018. Was this because of the SEC lawsuit? Possibly. How will XRP perform in the next bull rally? It’s looking pretty decent for now, but nothing is 100% certain. 

    Despite this volatility, XRP has increased in value and price a lot since its inception, and it serves as a reflection of its growth potential and market interest over the years.

    Its price history is a testament to the cryptocurrency’s ability to adapt and evolve, despite facing numerous challenges.

    Future adoption and regulatory impact

    Looking ahead to the future of XRP, regulatory clarity and adoption by financial institutions will be pivotal factors in shaping its price trajectory. 

    Here’s how future developments and adoption could influence XRP’s price:

    1. Adoption by financial institutions: Widespread adoption by banks and payment providers could significantly drive up demand for XRP, which would push its price higher.
    2. Technological advancements: Improvements in the XRP Ledger and the introduction of a USD-backed stablecoin could enhance XRP’s liquidity and efficiency and make it more attractive to financial institutions.
    3. Market dynamics: Supply and demand factors, along with broader market trends, will play a crucial role in determining XRP’s price trajectory by 2040 and 2050.

    Frequently asked questions

    How high can XRP go in 10 years?

    XRP’s price in the next decade could range significantly, with some analysts predicting values between $10 and $22 by 2036. A lot depends on the overall market conditions as well as XRP’s adoption.

    How much will 1 XRP be worth in 2030?

    By 2030, XRP’s price predictions vary widely. Estimates range from $3 to $15. Some analysts remain cautious, suggesting it may struggle to exceed $2.

    What would it take for XRP to reach $100?

    For XRP to reach a price of $100, it would require a monumental shift in both market conditions and adoption rates. This scenario would likely require XRP to become a dominant player in the financial services sector, possibly as a primary bridge currency for international transactions. 

    Can XRP reach 20 USD?

    Reaching $20 is considered speculative and would depend on several factors, including widespread adoption by financial institutions. While some analysts see potential, achieving this price point would require extraordinary market conditions. While everything is possible, it’s not likely to happen in the near future. 

    The bottom line

    You’ve seen the vast range of XRP price predictions for 2040 and 2050, from a conservative $2.50 to an ambitious $21.81. These forecasts are heavily influenced by market dynamics, adoption rates, and regulatory outcomes. 

    As you consider investing, remember that XRP’s future is marked by volatility and uncertainty, not unlike most of the crypto market. Its growth potential is significant, but so are the risks. Keep a close eye on market trends and regulatory changes, and as always, stay in control of your emotions and remain cautious.

    If you would like to learn more about XRP’s chances of major gains in the future, check out our article exploring if XRP can reach $10,000.

  • ISO 20022 Crypto: Which Coins & Tokens are Compliant?

    ISO 20022 Crypto: Which Coins & Tokens are Compliant?

    ISO 20022-compliant cryptocurrencies could benefit substantially in the future. They will be prime candidates for financial institutions looking to expand their offerings with the unique advantages offered by blockchain technology. Our ISO 20022 crypto list will help you identify the best cryptocurrencies that comply with the ISO 20022 standard.

    In this article, we are going to explain what ISO 20022 is in simple terms and go over cryptocurrencies that are currently compliant with the standard.

    Key takeaways:

    • The ISO 20022 standard streamlines data interchange between financial institutions, enhancing automation, reducing errors, and improving cash flow visibility.
    • As of the latest reports, about 26.4% of banks have achieved ISO 20022 compliance, with others required to comply by November 2026.
    • Cryptocurrency companies that have adopted the ISO 20022 standard, like XRP and Stellar, offer easier integration with financial systems and potential industry adoption.
    • The adoption of ISO 20022 in cryptocurrency projects like Algorand, Quant, and Hedera enhances compatibility with traditional finance, fostering wider acceptance and technological integration.

    What is ISO 20022?

    According to SWIFT, ISO 20022 is a methodology for standardizing the interchange of data between financial institutions. ISO 20022 can be used in various areas, including the clearing and settlement of payments, trading and settlement of securities, cash management, account management, and more.

    In essence, ISO 20022 addresses the problem of financial institutions using different formats and protocols for electronic data, which leads to inefficiencies. By adopting ISO 20022, financial institutions can cut costs, reduce the likelihood of errors, and reduce the complexity of data interchange.

    Here are some of the main benefits of the ISO 20022, according to SWIFT:

    “Thanks to its structured and richer data elements, ISO 20022 enables counterparties, intermediaries, and beneficiaries to increase automation in transaction processing, reducing costly manual interventions, and improving visibility on cash flows and cash positions, for example, in payment transactions.”

    the benefits of adoptiing ISO 20022 graphic by JP Morgan
    The benefits of adopting ISO 20022. (Source: JPMorgan)

    It is important to highlight that not all institutions have fully implemented the prerequisites for ISO 20022 readiness. As reported by The Banker last year, approximately 26.4% of banks have achieved ISO 20022 compliance. 

    For those institutions that have yet to undertake the essential measures to attain ISO 20022 compliance, they will have until 2026 to make the necessary adjustments.

    The best ISO 20022-compliant cryptos

    Some cryptocurrencies have been designed with the ISO 20022 standard in mind so that they can potentially be integrated into broader financial systems more easily. When we say that a digital asset is an ISO 20022 crypto, we mean that it incorporates messaging language as defined in the ISO 20022 standard, allowing for simpler data exchange between its blockchain and other financial systems such as SWIFT.

    ISO 20022 coins could have a head start when it comes to adoption in the financial services industry, as they will be much easier for companies to integrate than cryptocurrencies that weren’t designed with this standard in mind. 

    Below, you’ll find a list showcasing the ISO 20022-compliant cryptos:

    1. XRP – Highly efficient cryptocurrency suitable for cross-border payments
    2. Stellar – Fast and cost-effective blockchain with built-in DEX
    3. Algorand – Pure Proof-of-Stake blockchain with smart contracts
    4. Cardano – Research-driven blockchain with a focus on scalability, security, and sustainability
    5. XDC Network – Hybrid blockchain optimized for enterprise and trade finance applications
    6. Quant – Platform enabling interoperability between blockchains
    7. Hedera Hashgraph – A highly efficient DLT based on Hashgraph architecture
    8. IOTA – DAG-based network for IoT use cases
    9. Coreum (COREUM) – A blockchain specialized for RWA tokenization and smart tokens

    1. XRP – Highly efficient cryptocurrency suitable for cross-border payments

    xrp

    XRP is a cryptocurrency that uses a unique consensus algorithm called the XRP Ledger Consensus Protocol to provide extremely fast and cost-effective transactions. This makes it suitable as a bridge currency that can enable liquidity between different fiat currencies. 

    While the XRP Ledger doesn’t offer advanced smart contract functionality, the platform is optimized for payments and can offer the performance and efficiency that are required by global financial institutions.

    The main entity spearheading the development of the XRP ecosystem is Ripple, a United States-based company that uses XRP in its cross-border payments products. Ripple is part of the ISO 20022 Standards Body and was the first blockchain-focused company to join it. By adopting the ISO 20022 standard, Ripple can offer its RippleNet solution to a broader range of customers.

    XRP summary:

    • A distributed ledger using the XRP Ledger Consensus
    • XRP can handle 1,500 transactions per second
    • Transactions cost fractions of a cent
    • Ripple has partnerships with numerous leading financial institutions

    2. Stellar – Fast and cost-effective blockchain with built-in DEX

    stellar

    Stellar is a cryptocurrency that was initially launched as a modified version of XRP. One of the co-founders of Stellar is Jed McCaleb, who also played a role in the creation of XRP. The Stellar blockchain also offers extremely fast and efficient transactions. 

    The Stellar blockchain can be used to make transactions with the platform’s native currency, XLM, but it also offers built-in decentralized exchange functionality to seamlessly swap between the different assets issued on the Stellar blockchain. 

    Given its emphasis on interoperability between financial institutions, Stellar is poised to readily embrace the ISO 20022 standard. Through the integration of ISO 20022, Stellar will enable more efficient cross-border transactions and foster improved communication with conventional financial systems. XLM is poised to become one of the leading ISO 20022 tokens on the market.

    Stellar summary:

    • A cryptocurrency with similar properties to XRP
    • Built-in decentralized exchange feature
    • Useful for cross-border payments and stablecoins
    • Smart contracts functionality through the Soroban platform

    3. Algorand – Pure Proof-of-Stake blockchain with smart contracts

    algorand

    Algorand is a blockchain platform that supports smart contracts and employs a sophisticated Proof-of-Stake consensus algorithm that allows all ALGO holders to participate in the consensus process. The Algorand project was founded by renowned computer scientist Silvio Micali.

    The Algorand mainnet made its debut in 2019. Since then, Algorand has seen multiple enhancements, including improved smart contract functionalities and the capacity to support custom tokens, among other features. Algorand is intentionally structured to be an environmentally conscious and highly efficient blockchain and offers some of the lowest transaction fees among all cryptocurrencies. 

    Through the incorporation of the ISO 20022 standard, Algorand has the potential to improve its compatibility with conventional financial systems, enabling effortless integration with pre-existing infrastructure. 

    This could lead to wider adoption of Algorand’s technology, potentially attracting a greater number of developers and enterprises to engage with and build upon the platform.

    Algorand summary:

    • Pure Proof-of-Stake blockchain
    • Supports smart contracts and custom tokens
    • Very low transaction fees
    • Environmentally friendly

    4. Cardano – Research-driven blockchain with a focus on scalability, security, and sustainability

    Cardano is a blockchain platform built on rigorous academic research and a layered architecture to enhance scalability, security, and sustainability. Developed by IOHK and led by Ethereum co-founder Charles Hoskinson, it aims to provide an efficient and sustainable blockchain ecosystem for enterprises and individuals.

    Cardano’s Ouroboros Proof-of-Stake (PoS) consensus ensures energy efficiency while maintaining high security. Its dual-layer architecture separates ADA transactions from smart contract execution, enabling flexibility and scalability. The Plutus smart contract platform and Hydra layer-2 solution further boost network efficiency and adoption potential.

    By aligning with ISO 20022, Cardano strengthens its compatibility with financial systems, making it a strong candidate for integration into traditional banking and enterprise applications.

    Cardano summary:

    • Proof-of-Stake blockchain with a research-driven approach
    • Scalable and energy-efficient, designed for long-term sustainability
    • Layered architecture enables seamless upgrades and enhanced security
    • Supports smart contracts through the Plutus platform
    • Hydra scaling solution to significantly boost transaction speeds
    • ISO 20022 integration enhances interoperability with financial systems

    5. XDC Network – Hybrid blockchain optimized for enterprise and trade finance applications

    XDC Network (XinFin Digital Contract) is a hybrid blockchain that merges public and private architecture, making it ideal for enterprises and institutions. It is specifically designed to enhance trade finance, supply chain operations, and cross-border settlements with fast, secure, and cost-effective transactions.

    Using a Delegated Proof-of-Stake (DPoS) consensus, XDC Network ensures high throughput, low latency, and minimal energy consumption. Transactions settle in two seconds, with fees significantly lower than Ethereum.

    A key advantage of XDC Network is its ISO 20022 compliance, enabling seamless integration with banks and financial institutions. It supports smart contracts, tokenization, and interoperability with legacy systems, facilitating real-world financial applications.

    As trade finance digitizes, XDC Network stands out as a fast, transparent, and regulatory-compliant blockchain, bridging blockchain technology with traditional finance.

    XDC Network summary:

    • Hybrid blockchain that combines public and private blockchain features
    • Optimized for enterprise and trade finance applications
    • Delegated Proof-of-Stake (DPoS) ensures fast and energy-efficient transactions
    • Finality within two seconds and low-cost transactions
    • ISO 20022-compliant, making it bank-friendly and interoperable with financial institutions
    • Supports smart contracts, tokenization, and seamless integration with legacy financial systems

    6. Quant – Platform enabling interoperability between blockchains

    quant

    Quant is a blockchain platform that enables interoperability and establishes seamless connections among multiple blockchain networks. It relies on the Overledger protocol to facilitate the exchange of information between different blockchain ecosystems. The Quant platform enables collaboration and innovation, empowering developers and enterprises to launch decentralized applications that can interact with a multitude of blockchains.

    Through the adoption of the ISO 20022 standard, Quant aspires to boost its compatibility with traditional financial systems, streamlining the secure exchange of data across various networks. Achieving ISO 20022 compliance could position Quant in a pivotal role, bridging the divide between various blockchain platforms and strengthening its role in the blockchain ecosystem.

    Quant summary:

    • Blockchain focused on enabling interoperability
    • Allows developers to launch mDApps, which are decentralized applications that function with multiple blockchains
    • Supports a variety of blockchains, including the likes of Bitcoin, Ethereum, and XRP
    • Designed for financial institutions and SMEs

    7. Hedera Hashgraph – A highly efficient DLT based on Hashgraph architecture

    Hedera Hashgraph

    Hedera Hashgraph is a decentralized network that provides functionality similar to blockchains but is based on an innovative architecture called a hashgraph. Hashgraph provides an alternative and arguably superior way to achieve distributed consensus. 

    The platform offers transaction fees as low as $0.001, and transactions on Hashgraph achieve finality in between 3 to 5 seconds. According to Hedera Hashgraph’s development team, the platform can facilitate upwards of 10,000 transactions per second.

    The Hedera Hashgraph platform supports smart contracts that are compatible with the Ethereum Virtual Machine, making it a suitable platform for developers who are accustomed to building with the Ethereum ecosystem’s smart contract tools.

    Through its adoption of the ISO 20022 standard, Hedera aims to bolster its compatibility with conventional financial systems, enabling the smooth integration of decentralized applications (dApps) with the pre-existing infrastructure. 

    Hedera Hashgraph summary:

    • Distributed ledger based on Hashgraph technology
    • Can process over 10,000 transactions per second
    • EVM-compatible smart contracts
    • Low fees, transactions achieve finality in 3-5 seconds

    8. IOTA – DAG-based network for IoT use cases

    iota

    IOTA is another distributed ledger platform that forgoes the traditional blockchain architecture in an effort to achieve superior scalability. In the case of IOTA, the platform is built using a directed acyclic graph (DAG) architecture, which allows it to support zero-fee transactions. IOTA’s DAG network is called the Tangle.

    The network’s immense efficiency makes IOTA a suitable candidate for Internet of Things (IoT) applications where handling large amounts of data in a short period of time is of the utmost importance.

    By incorporating the ISO 20022 standard, IOTA strives to establish a framework for standardized and secure data transfers among Internet of Things (IoT) devices. This strategic choice aims to facilitate the effortless integration of IOTA into the wider IoT ecosystem, ensuring a consistent and secure flow of data among IoT devices.

    IOTA summary:

    • Distributed ledger platform based on a DAG architecture
    • Fee-free transactions
    • Suitable for IoT applications
    • Can handle around 1,000 transactions per second

    9. Coreum (COREUM) – A blockchain specialized for RWA tokenization and smart tokens

    Coreum is a high-performance layer 1 blockchain built with the Cosmos SDK, focused on real-world asset tokenization, decentralized applications, and programmable digital assets. Powered by the Tendermint consensus engine and WebAssembly smart contracts, it delivers higher throughput and lower latency compared to many older networks. A key innovation is its Smart Tokens, which allow developers and businesses to create customizable, programmable assets with built-in logic and controls.

    The project launched in 2021, founded by Dubai-based entrepreneurs Bob Ras and Rezza Bashash. Coreum places a strong emphasis on interoperability, including integration with the XRP Ledger through a dedicated bridge. The network’s native token, COREUM, is used for staking, transaction fees, and governance. A large portion of the initial supply was distributed to the community through airdrops and incentive programs.

    Coreum summary:

    • WebAssembly smart contracts enable fast, secure, and flexible dApp development
    • Smart Tokens support advanced asset issuance with programmable features and compliance controls
    • Built on Cosmos for scalability, performance, and modular design
    • Cross-chain connectivity through IBC and custom bridges enhances interoperability

    The bottom line

    We hope that our ISO 20022 crypto list helped you understand the ISO 20022 standard and how it relates to the cryptocurrency space. As we can see, the list of ISO 20022-compliant crypto tokens mostly consists of projects targeting enterprise use. 

    Many of the coins featured on this list feature extremely low transaction fees, which allows them to be used in enterprise-grade applications that require handling an extremely large number of transactions in a short period of time. To learn more about this topic, make sure to check out our list of the cheapest cryptos to transfer.