Thai Retail Investors Propel XRP to Leading Asset Position

In 2025, XRP has become Thailand’s leading digital asset, surpassing

, , and conventional assets such as gold, based on the latest findings from the Thai Securities and Exchange Commission (SEC). The alternative cryptocurrency soared by 390% year-over-year in August—the most recent month with available figures—and has sustained its number-one status for nine months running. This stellar track record points to a rising interest among retail traders in throughout Thailand, with retail participants accounting for 42% of the $8.2 billion XRP trading volume in August, compared to just 21% from institutional sources.

The SEC’s analysis highlights XRP’s market dominance at a time when crypto adoption in Thailand is accelerating, even as regulations limit its use for payments. The number of active crypto accounts increased by 8.44% from July to August, reaching 230,000, while XRP’s impressive returns have drawn both seasoned and new investors. Experts believe this trend is due to XRP’s reputation as an efficient bridge for cross-border financial transfers, especially in Southeast Asia, where Ripple’s network is expanding. Furthermore, this strong performance coincides with Thailand’s ongoing experiments with digital finance, including the tokenization of government bonds and pilot projects for crypto payments, all of which have helped create an encouraging atmosphere for digital currencies.

Even during periods of price stability, retail enthusiasm for XRP has been robust, as blockchain data reveals ongoing accumulation by large holders and heightened transaction volume. While the price of XRP has

shown extreme fluctuations, its steady uptake in Thailand stands in contrast to the muted activity in markets like the United States, where institutional moves—such as the introduction of an XRP ETF—have had little effect on trading activity. This organic growth has made XRP a favored choice among Thai investors looking for alternatives to standard banking, especially at a time when more than three million citizens have been excluded from traditional financial services following regulatory actions against so-called “mule accounts.”

XRP’s ascendancy in Thailand carries significant implications for Ripple and the wider digital asset ecosystem. As Ripple’s core token, XRP’s achievements in this market could reinforce its role as a solution for international payments and settlements, mainly in regions with expanding Ripple partnerships. Thailand’s emphasis on retail involvement also suggests a changing landscape for crypto, where grassroots engagement rather than big institutional investments is shaping market outcomes. This pattern is part of a global trend, as decentralized financial tools gain traction as a means of broadening financial inclusion.

Data from the Thai SEC reinforces XRP’s capability to transform investment and trade trends across the region. With Ethereum overtaking gold to enter the top three assets in August, Thailand’s digital asset sector is rapidly evolving. Nevertheless, XRP’s consistent leadership highlights its distinct position, combining institutional support with a focus on cross-border utility—qualities that strongly appeal to local investors. As Thailand continues to update its approach to digital asset regulation, the case of XRP may help shape wider conversations around fostering innovation while maintaining financial safety.

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