Best Cryptocurrency to buy with $100: a 2025 Guide to Low-Budget Crypto Ownership

Key Insights

• Best Cryptocurrency to buy with $100 in 2025

• Here is our detailed analysis of why XRP is the best Cryptocurrency to buy with a low budget.

Over the past 5 years, the Cryptocurrency market has experienced explosive growth, with a total market cap of $4 trillion. As the market grows, so is the need to invest among newcomers, especially those with low income and tight budgets. Most of us have wondered which is the best cryptocurrency to buy with $100 budget.

In this article, we will explore which is the best cryptocurrency to buy with $100 or even less.

Best Cryptocurrency to Buy with $100

Over the last 1 year, Bitcoin has become extremely expensive, especially for potential investors with a low budget. With Bitcoin reaching a high of $123k while holding firmly above $100k, it becomes difficult to acquire one if you have little or no money.

Now, altcoins are becoming the next stop for those working under a tight budget. While budget is important to consider, the future potential of the crypto asset does matter.

Read Also:

In this regard, we view Ripple's XRP as the most potent investment and the best cryptocurrency to buy with $100.

Here is why XRP Tops the List

Ripple's XRP has remained strong through the darkest of its times, especially since 2018 when the SEC launched an investigation and criminal cases. However, XRP's fortunes have changed over the last 8 months since the election of Donald Trump for a second term. Before last year's election, Ripple's team launched a campaign to lobby pro-crypto politicians in the United States, and it paid off.

From November 2024, XRP price surged massively from a local of $0.5 to reach a high of $4 in the past week.

Also Read: EMCryptohub's Guide on how to start crypto trading on a low budget in Kenya

That marked over 500% growth in less than a year. XRP price performance has been exemplary, indicating that markets were troubled by the SEC legal battles. With the SEC shifting towards crypto, Ripple's investor confidence is increasing, and investors are buying more than ever before.

XRP Fundamentals Making the Altcoin Viable

As XRP prices rise, the total number of users actively interacting with the network has also increased. According to Cryptoquant data, XRP's total addresses currently sit around 7.3 million, which is an all-time high. At the same time, the daily active number of users is averaging around 25k.

Source: Cryptoquant

A sustained growth in network usage is significant because demand drives prices up. When the number of people actively buying and selling an asset increases, its fundamentals strengthen, reducing the likelihood of a market crash. Additionally, XRP's total transactions have exceeded 1 million and have been held above this range through 2025. Currently, the network is recording 1.63 million total transactions, suggesting extremely high demand for the network.

Source: Cryptoquant

Another market aspect that makes us view XRP as the best cryptocurrency to buy with $100 is whale activity. We have seen XRP explode recently to $4 and then retrace to $2.99. Even though prices have declined 7% in a week, whales are not panicking. On the contrary, XRP whales have reduced exchange activity significantly.

Source: Cryptoquant

Now, amid a market correction and 5% rebound, XRP whale-to-exchange flow has plummeted to a recent low. When whales behave like this, it signals their conviction and confidence in the market. It is a strong bullish signal for retail investors and a sign of a growing user base.

How Many XRP Tokens with $100?

At the current market rates, XRP is trading around $2.99. This means that with $100, you can acquire approximately 33.4 XRP tokens. Imagine if the market rebounds and XRP reclaims $4; that investment will see more than $33 in profit. XRP is projected to reach $10 shortly. With an investment of $100, these tokes will have tripled to more than $334. Based on the current trend, we can see XRP going even higher. Under these circumstances, XRP is the best cryptocurrency to buy with $100.