Gemini’s latest performance review has put XRP back in the spotlight, revealing that a $1,000 investment in the token five years ago would now be worth about $10,700.
That return outpaces both Bitcoin and Ethereum over the same period, with BTC sitting near $9,310 and ETH at $10,104.
The findings, published on September 25, highlight how XRP managed to deliver outsized returns despite years of regulatory uncertainty. The token now trades around $2.84, up from just $0.265 five years ago. Analysts point to steady institutional adoption and the conclusion of the long-running SEC lawsuit in August 2025 as major factors behind the gains.
Legal expert Bill Morgan noted that nearly the entire five-year stretch of growth coincided with the SEC’s enforcement action. Yet, instead of losing momentum, XRP retained strong backing from institutional players, underscoring resilience even during the toughest phases of its legal fight.
The conclusion of the case has now shifted market sentiment decisively. Forecast models increasingly factor in a “clarity premium,” reflecting XRP’s new regulatory certainty. Gemini’s analysis suggests this legal milestone will help sustain confidence, with adoption expected to accelerate as institutions seek exposure to the token.
When stacked against its peers, XRP’s five-year 10.7x return looks especially notable, positioning it as one of the strongest performers among major assets. While the broader market has been volatile, XRP’s trajectory shows how regulatory breakthroughs can directly shape long-term growth.
With fresh institutional interest brewing and derivatives products such as Gemini’s XRP perpetual contracts on the horizon, the token’s path forward appears more aligned with mainstream finance than ever before.
