The compounded annual return, its month-by-month texture, and the two months that did the most work in each direction.
This page lists every year of XRP's history on Coinfuty as a single compounded annual return, next to its month-by-month texture. XRP's yearly totals hinge on whether the year contained a detonation or not: rows cluster near flat, then a single year prints a multiple. That distribution makes the median year almost meaningless for XRP — the value is in seeing which years carried the payload.
Each year compounds its twelve monthly returns from UTC daily closes, with the current year riding as a year-to-date row until it closes. XRP's data starts at its perpetual listing in early 2020. Long dormant stretches through the SEC-lawsuit years surround a handful of detonation months, most famously late 2024.
XRP is down 23.7% year-to-date in 2026, compounding 9 completed months plus October to date, through the daily close of 10 October 2026 (UTC). The YTD chip stays provisional until the year closes.
XRP returned −11.6% over calendar 2025, from the 2024 close to the 2025 close. Its best month was January at +45.6% and its worst February at −29.3%.
XRP's completed calendar years on Coinfuty: 2013 +365.3%, 2014 −10.6%, 2015 −75.3%, 2016 +6.8%, 2017 +35,574%, 2018 −84.7%, 2019 −45.3%, 2020 +11.6%, 2021 +285.1%, 2022 −59.1%, 2023 +81.7%, 2024 +238.4%, 2025 −11.6%. 7 of 13 years closed positive, and 2026 is down 23.7% so far.
The median completed year for XRP is +6.8%, across 13 full years on record. The median is used instead of the mean because XRP's yearly results are extreme in both directions, and one outlier year would distort a simple average.
XRP's best completed year on record is 2017 at +35,574% and its worst is 2018 at −84.7%. Both are compounded from monthly returns, so they match what a position held through the entire year would have earned.
Because its lifetime return is concentrated in a handful of explosive months. A year that catches one — like 2024 — prints an extreme total; the years between them compound quiet months into totals near zero.
XRP's history here begins at its first daily perpetual-futures candle on Binance in early 2020, and each row needs a calendar year — so the table is exactly as deep as its perpetual history and grows as years close.
Because returns compound. A +10% month followed by a −10% month leaves −1%, not 0%. The yearly totals multiply the monthly factors together, which is what a held position would have earned.