Is Ripple Worth Buying? – Yes It Is, In My Opinion!

is ripple worth buying

Welcome To My Ripple Review!

Do you know what happened to me when I started researching Ripple for writing this article? I ended up buying Ripple! I bought Ripple once and in the last week I bought them even more. However, situations of cryptocurrencies change rapidly. The value of Ripple went like 45x higher recently in 3 months. Does it mean that Ripple is 45 times worse investment after that rise?

In this article I am going to discuss following subjects, “Is Ripple Worth Buying? Is Ripple a Good Investment? What Is Ripple and How Does It Work?” Are you ready? Spend the next 1-2 minutes with me by reading this article.

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(Disclaimer: In this article, I only share my personal opinion of Ripple. This is not an official investment advice!)

Ripple Review - Quick Summary

Name: Ripple


Founded: In 2009 by Ryan Fugger. Launched in 2012.

Field: Cryptocurrencies

Ripple logo

Summary: Ripple has many benefits compared Bitcoin and Ethereum. Their transactions are way faster and cheaper, for example. On the other hand, Ripple is a centralized cryptocurrency unlike many other ones. Ripple can make you still great profits but it, of course, involves risk. The best way to buy Ripple is on Binance.

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Ripple XRP News: September 2018

Ripple price has recently spiked all the way from ~$0,30 to $0,77 in around 24 hours.

I created the following video where I reveal you why it happened and what you can expect from Ripple price in the future.

If you have any questions about this, don't hesitate to ask me in the comments and I will be happy to help you out!

Is Ripple Worth Investing In? – Updated Video Message

I noticed that this article has received quite a lot of popularity and hundreds of visitors are regularly reading this article. Therefore, I also decided to record you a YouTube video to answer your questions whether Ripple is worth investing or not. Check it out and enjoy!

What Is Ripple? – A Cryptocurreny Created for Banks

You have probably heard of Bitcoins. It’s a decentralized digital currency that allows you to make immediate payments so you don’t need to wait 2-3 business days that the money goes from your account to another account. Ripple has many same benefits but it’s also significantly different.

Ripple is also a cryptocurrency and a new technology. It means that it’s completely digital. You can understand the difference between dollars and Ripple. You can have dollars in your hands but you can have Ripple only in your bank account.

Ripple is a system created for banks to enable immediate payments and lower costs. Imagine if you could make a bank transfer in a few seconds instead of 2-3 business days. That will happen over the time course.

Ripple is a centralized currency, unlike Bitcoin. It means that one company owns the system and more than 70% of Ripple. You may think that what if the company just do the infamous, “Pump & dump” -move. It means that they promote their system until the price goes high. Then they sell all of their investments, take the money and leave.

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However, it won’t happen at least in the near future. They announced that a big part of their Ripple holdings will be locked for 5 years. So, they are not going to dump it during that time. That move will probably take the price higher because there are fewer Ripples available for trade.

If there’s lots of something available, the value of it usually goes down. For example, if there is lots of oil available in the world, it’s not valuable. But now when we know that there isn’t infinitely amounts of oil. It affects oil’s price so that it goes up.

What Are the Benefits of Ripple Coin?

I want to underline the biggest benefits of Ripple compared to “normal currencies” like euro and dollar and compared to cryptocurrencies like Bitcoin and Ethereum.

First of all, imagine that you are in the U.S. Then you have a friend, a business partner or a client in Australia. You need to send him dollars quickly. What is the fastest way?

The fastest way to transfer dollars from the U.S. to Australia is to take the next plane, fly to Australia and hand the money for your friend.

This illustration points out the inefficiency of the current banking system. It’s 50 years old and doesn’t serve us in the best way in the modern world. In many cases, faster payments would hugely help businesses to do things faster.

is ripple worth buying

It’s incredibly fast to make transfers and payments with Ripple. (However, it doesn’t take an hour to transfer bitcoins so the picture is a bit misleading in that sense. It wants to point out the superiority of Ripple).

One downside of Bitcoin is that it’s possible to make only a limited number of payments during a day with our current technology. However, Ripple enables to make much more trades every day. It makes it’s easily scalable.

is ripple worth buying

Price Efficiency of Ripple

One of the greatest benefits of Ripple for banks is the price efficiency. On is presented that banks can save millions or even hundreds of millions of dollars each year with Ripple by using this new technology. That’s one reason why so many big banks worldwide have become Ripple partners.

is ripple worth buying

Imagine what kind of savings Ripple can provide for huge banks.

Let’s have a quick look what banks are already using Ripple. The following picture of partner is on their website.

Ripple wallets

Many huge banks are already using Ripple.​​​​

There are banks like Santander, UBS, ReiseBank and so on. These are highly remarkable partners. More than 70 big banks have started using Ripple. A large number of them are Japanese banks because there are more than 30 Japanese banks already using Ripple. That’s almost half of all big banks in Japan.

Is Ripple Worth Buying?

Probably the best time to invest in Ripple is already gone. In the beginning of this year, the value of one Ripple coin was only $0,006. That’s not even one cent. You can see how the chart below. The price didn’t change for a relatively long time.

But then the jump happened in May. It went from about $0,01 to almost $0,50. Imagine if you would have invested $10k, now you would have $500k!

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Many new millionaires have been made during that price jump. The same jump happened to almost all other cryptocurrencies. They work somehow in the same way like stocks. When stocks in the U.S. go up, the prices also go up in Europe and in China.

 And when the prices go down in the U.S., all other prices go down as well. Or if Apple, Amazon and other big stocks go down, other ones follow as well.

is ripple worth buying

This chart shows the value of a Ripple coin compared to USD. You can notice the huge jump in the beginning of May 2017.

Now the value of Ripple has gone under $0,20 and it seems to be going down. But who knows how long it will keep on going down? Many people estimate that the value of Ripple will be $1 or $2 before 2017 ends.

Some people may be fooled by the low value of each Ripple coin. They say that Bitcoin is expensive because it costs almost $3,000 per each coin and Ripple is cheap because it costs less than $0,20. However, that’s now wise thinking and it doesn’t take the whole picture into account. You shouldn’t be watching the value of one coin but the value of all coins put together.

You can have a look at values of cryptocurrencies on Here is a screenshot of current prices today 31.7.2017.

is ripple worth buying

The total value of Bitcoin is +$45B while the total value of Ripple is $6,3B at the moment.

So, the value of Bitcoin is “only” 7,5 times bigger than Ripple at the moment.

Ripple vs Bitcoin – Who Will Win the Race?

As we have seen, the situation can change rapidly in the cryptocurrency world. A year is a long time and 5 years is a lifetime of Ripple at the moment. Ripple and Bitcoin serve a very different goal.

Bitcoin kinda “fights” against the banking system and their monopoly while Ripple technology is built to help banks.

That’s one reason why I wanted to invest in both of those currencies. It’s good for allocation.

Another thing that I mentioned above, is that Bitcoin is decentralized so one Institute doesn’t run it but Ripple is centralized. Both systems have their own benefits and downsides. But if the team who runs Ripple is great, then it’s definitely a benefit.

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I believe that in the long run, both values will still go dramatically up. The story of cryptocurrencies has only started. Why would banks and people want to stay in a 50-year-old system where it takes 2-5 business takes for each transaction. In my opinion, some change will happen for sure.

The total market value of all cryptocurrencies is around $90B at the moment. That’s a tiny value compared to other currencies or goods like gold or silver. I don’t see any good reason why it wouldn’t grow in value in the future.

Where to Buy Ripple?

You can buy Ripple on several platforms. One of the biggest crypto exchange for people who want to buy Ripple is Binance. I have invested on numerous cryptocurrencies on that platform and I have solely positive experiences with them. I have bought also Tron, Cardano and IOTA on Binance.

Conclusion – Is Ripple a Good Investment?

I want to give the responsibility for yourself as an investor. If you follow my or other people’s advice, you lower your chances of success. In general, people who follow the masses (sheep) use to lose money with their investments and people who educate themselves and are courageous to make investments that differ from the masses, make big profits. There is a risk with all investing and it applies to cryptocurrencies as well.

I can only say that I invested in Ripple because I see there a great potential in the future. I’m quite confident that the price will go up and I’ll earn a good return on investments.

However, you should only invest money that you are “ready to lose”. I mean that you shouldn’t only count on cryptocurrencies and you should have other assets and income as well.

I have quit my 9 to 5 job recently because I am earning more and more money online each month. Some time ago I found a step-by-step training that taught me how I could make a living online and it seems to work even better than I thought before.

Actually, the program has taught thousands of people to make a living online and many of them have been able to quit their normal jobs.

It’s 100% free to start the training and you’ll get tons of free resources right off the bat including 20 interactive video lessons, 2 websites, keyword tool, and other tools. That can make you a consistent income for the rest of your life. I think that investing in cryptocurrencies is more like “once in a lifetime” experience while affiliate marketing is a more stable source of income.

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What do you think about Ripple and cryptocurrencies?

Will the value still go up?

Let me know in the comments below!

If you have any questions, just leave a comment below and I will be more than happy to help you out.

By Roope Kiuttu

Hello! I am Roope "Robert" Kiuttu, the founder and owner of I created this website back in 2015 to help you to make money online. You can ask me anything and I'll be happy to help you out. I help people daily to make more money online and I love seeing people succeeding. If you want to get my 1-on-1 support and help to make money online as well, get started HERE.


  1. Such much information on Ripple in the sense that one can see how good the cryptocurrencies are in the coin market with taking a look at reviews such as this. I feel that every investment that we make on any coin should be one that we are ready to lose as well as a result of the fact that it is a market where certain things are not certain to happen all because we work with speculation and hoping for the best.

    1. Sure investing in Ripple and other cryptocurrencies involves risks.

      I think that the biggest risk is still to hold money in cash (dollar, euro or other government money) because they will lose value for 100% sure in the long run.

      In that sense we could almost say that investing in cryptocurrencies is a “safer” option 😉

  2. Hi,

    i am new in cryptocurrency world. Thinking to invest few thousands of dollars in that. which cryptocurrencies will be the best, you this at this moment?


    1. I think that Ethereum and Ripple are great but their value is already pretty high. They are good options still, in my opinion.

      If you want to make big profits, I would recommend searching for smaller and new cryptocurrencies.

      The most important thing is that you study a lot before putting lots of money in.

  3. hi… simply superb. Ripple is on new high almost @4 dollars. i invested in @2.
    should i hold it for more gains ? pl suggest. thank u so much for article.

  4. Hi Roope,

    It just crazy how ripple increase currently. Im new in to all this, however, after researching a lot about cryptocurrency, I became very interested. My question here is shall l really invest on ripple now or is it too to late invest.

    My potential investment budget with be around 5,000 USD in the coming few days.


    1. Hello Jami,

      I think you haven’t missed the boat with any good cryptocurrencies. So many new people are starting to invest in cryptocurrencies because people are starting to see the potential of the blockchain technology now.

  5. Hi Roope,

    It is clear that the banks play somewhat a major role when it comes to this currency. My question to you is, what prevents them (the banks) from implementing the same technology Ripple offers, but in a different, new currency, without any third party company involved?


  6. I have read the term cryptocurrency before. But i didn’t really pay any attention for me to know what it is. It’s only recently when i searched about it and i encountered the term Bitcoin. I searched about it because i just discovered that it’s not just money online, but could also be taken as something like of value that increases over time.

    I believe a lot of people still doesn’t know anything about cryptocurrency because they don’t know how valuable it is and the change it could make with how money moves in the business world.

  7. Investing to cryptocurrencies is something that individuals must take the risk if in case it goes down. Put some funds on your investment and just leave it there. Those money that you shouldn’t withdraw in earlier period because as time goes by, it varies the value. At this point, Ripple is a good choice for investment.

    1. Yes, I still believe in the value of Ripple. The article was originally written some time ago but the facts are still the same. At the moment I am investing around 20,000€ in different cryptocurrencies.

  8. The only Cryptocurreny that I have used and that I trust is Bitcoin. I have heard about about numerous Cryptocurrenies, however, I have never bought Cryptocurreny other thn Bitcoin. In the recent times, I am also trying to learn about other Cryptocurrenies.

    Bitcoins have gone so high that I cannot buy bitcoins any more. In order to benefit from Cryptocurreny, I will have to check other cheap options. I admit I had never heard about ripple. However, I am encouraged to invest on this digital curency because you say the price has gone up substantially.

    1. Hi Vinaya,

      I believe that the value of cryptocurrencies will keep on rising in the long run. I am myself a long-term investor rather than a short-term trader.

      Recently the price of Ripple, Bitcoin and other coins has dramatically risen so it can temporarily drop. However, I still believe in the long term potential. It has so many benefits compared to “normal” currencies.

      1. When I knew about bitcoin, it was $400, now it is more than $4000. They of cryptocurrencies are always increasing, however, you must also be aware of being scammed as some of the cryptocurrencies have been shut down. I presume Ripple is here to last long, I can see many reputed banks as ripper partner.

        1. Now the Bitcoin price is almost $10,000. It’s $9,669 at the moment when I’m checking it. Wow!

          Some experts predict it will be +$500,000 in a few years. That’s certainly possible.

  9. Hi Roope!

    I’ve never heard about Ripple, now thanks to your article I have all the information about it, and I find it very interesting, always when it comes to talking about cryptocurrencies, the essence is the same, it’s a business to “put some money in a box” and that box has a value, hoping this value goes high in time, then you sell that box and make a lot of earnings, that box is the cryptocurrency. I learned it like that!

    And that’s why the money you should spend on CC is “money you’re ready to lose”, as you said because it’s better to receive a surprise than a disappointment. Excellent article! Keep doing this, please! It’s the best site about making living online I ever visited!

    1. Hi Wizkha,

      when I first time invested in Bitcoins back in 2015 I started with the same mentality. I thought that this is money that I’m ready to lose. Afterwards, I studied cryptocurrencies much more and realized that most likely they have come here to stay. The value of all cryptocurrencies in the world is now around $130-140 Billion USD. I bet that after a few years the value will be over $1,000 Billion USD.

      If you would like to get $10 free bitcoins, just use my link in this article.

      And thank you for your positive feedback. I’m so happy to hear that you enjoy my website!

  10. Thank you for this great article …
    I am sure this coin will be the future more than 30 banks accept this coin now ! Imagine what will happend to this coin if more banks accept it !! It will be amazing ?

    1. Actually, more than 75 banks accept Ripple already and the number is rapidly rising. Will be interesting to see how much value will go up until the end of this year, for example.

  11. A number of times I have regretted not looking at buying a cryptocurrency when they first came out. I think right now it is probably a bit too late to invest in Ripple because of how expensive it is to get a decent amount. You just don’t know whether it will rise or drop in value either but I guess that’s the risk of investing in a cryptocurrency.

    I will, however, be looking at Ripple a bit further to see if I will commit and buy some.

    1. Hi Kingcool,

      in my opinion, it’s not too late to invest in Ripple. I see that there’s still a huge potential. The value can go even 100 times higher than it is at the moment. Of course, there are many things that affect the price but I don’t see any reason why the value wouldn’t go high when more and more banks start using it.


  12. Awesome article on Ripple. I have heard a lot about this product. I tried to do some research online about it but no one has much information. Your article was packed with information and it made my decision a lot easier. This looks like a very promising application and I think I am going to give it a try! Keep up the good work.


    1. Hi Shawn,

      I’m glad that you enjoyed the article. In my opinion, there’s lots of information available on the Internet about Ripple. How did you try to do your research?

      I think it’s very important that you would know clearly where do you put your money before you are going to invest in that product/company/cryptocurrency or whatever it is. When you’re educated about the opportunity you’ll make much better choices in the long run.


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