Real Binance daily closes · updated 2026-07-11
What if I'd DCA'd into XRP?
Every number below is computed from real XRP/USDT daily closes on Binance — no simulations, no cherry-picked windows. Buys happen at the close of the first trading day of each month (or each Monday for weekly plans); the final valuation uses the latest close, and today is never a purchase.
$100 per month into XRP, by start year
| Since | Buys | Invested | Worth today | Return | Lump sum | Max drawdown |
|---|---|---|---|---|---|---|
| 2018 | 99 | $9,900 | $23,089 | +133.2% | +25.5% | −77.8% |
| 2019 | 91 | $9,100 | $21,235 | +133.3% | +209.6% | −77.2% |
| 2020 | 79 | $7,900 | $16,825 | +113.0% | +478.6% | −74.9% |
| 2021 | 67 | $6,700 | $11,099 | +65.7% | +370.4% | −62.0% |
| 2022 | 55 | $5,500 | $8,966 | +63.0% | +31.3% | −61.4% |
| 2023 | 43 | $4,300 | $6,172 | +43.5% | +229.8% | −60.0% |
| 2024 | 31 | $3,100 | $3,404 | +9.8% | +77.5% | −55.6% |
| 2025 | 19 | $1,900 | $1,127 | -40.7% | -52.1% | −23.0% |
| 2026 | 7 | $700 | $568 | -18.9% | -40.6% | −0.2% |
“Lump sum” is the same total invested in one buy at the first purchase date. Max drawdown is the worst peak-to-trough of the portfolio's value, sampled at purchase dates.
Run your own plan
What this page is not
DCA is not a magic edge — in markets that mostly went up, a lump sum usually ends higher, and the table above says so where it's true. What DCA buys is a smaller worst case and a plan a human can actually follow. Both are still passive plans with no exit rule: if you want to compare them against a strategy that defines when to sell, backtest one on the same market.
DCA other coins
Educational information computed from historical exchange data; not investment advice. Past performance does not guarantee future results. Fees and slippage are not included: real-world DCA results would be slightly lower.