Real Binance daily closes · updated 2026-08-25
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 | 100 | $10,000 | $31,595 | +215.9% | +71.0% | −77.8% |
| 2019 | 92 | $9,200 | $29,068 | +216.0% | +321.7% | −77.2% |
| 2020 | 80 | $8,000 | $23,062 | +188.3% | +688.1% | −74.9% |
| 2021 | 68 | $6,800 | $15,262 | +124.4% | +540.7% | −62.0% |
| 2022 | 56 | $5,600 | $12,357 | +120.7% | +78.8% | −61.4% |
| 2023 | 44 | $4,400 | $8,551 | +94.3% | +349.2% | −60.0% |
| 2024 | 32 | $3,200 | $4,780 | +49.4% | +141.7% | −55.6% |
| 2025 | 20 | $2,000 | $1,678 | -16.1% | -34.8% | −23.0% |
| 2026 | 8 | $800 | $917 | +14.6% | -19.1% | −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.