Thai Individual Investors Drive XRP to Historic Highs, Surpassing Gold

XRP has become a leading player in Thailand’s digital asset sector, fueled by supportive regulations, strong investor interest, and positive economic factors. According to data from the Securities and Exchange Commission (SEC) of Thailand,

has outperformed conventional investments for nine straight months, achieving a 390% annual increase as of August 2025. This impressive rally has made XRP the highest-yielding asset in the country, outpacing , , and even gold, which has long been a staple in Thai investment portfolios. The rise of XRP comes amid a broader change in investor behavior, with Ethereum recently joining Thailand’s top three assets and overtaking gold as a favored store of value.

Thailand’s cryptocurrency sector is experiencing record-breaking activity, with monthly trading volumes hitting $8.2 billion. The number of active crypto accounts has grown by 8.4%, reaching 230,000, signaling an expanding retail investor base. Retail participants now make up 42% of the market, highlighting a significant move toward digital currencies as mainstream investments. Experts attribute this momentum to government policies that encourage fintech growth and clear regulations, making it easier for local investors to enter the market. The Thai government’s forward-thinking approach, including efforts to incorporate blockchain into financial services, has further strengthened trust in the industry.

XRP’s remarkable gains have caught the eye of market experts, who point to its real-world utility as a cross-border payment tool. Unlike purely speculative tokens, XRP’s effectiveness in enabling fast, low-cost transactions has drawn both institutional and individual investors. Ripple’s collaborations with major financial organizations have also boosted XRP’s practical adoption. Technical analysis indicates that XRP, currently trading at $2.87, could climb to $4, according to leading crypto analyst John Squire. Squire believes that ongoing market consolidation and regulatory progress—such as the resolution of Ripple’s legal issues in the United States—could trigger a sharp price increase.

The strong demand for XRP in Thailand reflects a wider trend across Asia, where retail investors are increasingly drawn to high-volatility digital assets. In South Korea, for example, similar patterns have led to XRP and

surpassing Bitcoin and Ethereum in trading activity. Although Thailand’s growth is shaped by its own regulatory landscape, it resembles the “Kimchi premium” seen in Korean markets, where local enthusiasm pushes asset prices above global averages. This indicates that Thailand’s regulatory approach and investor sentiment are fostering a supportive environment for XRP’s expansion.

Looking forward, incorporating XRP into Thailand’s financial system could have significant effects on the global crypto landscape. As the government continues to champion blockchain technology, XRP’s use in international payments and remittances may grow, further cementing its status as a major asset. Still, analysts warn that the market remains unpredictable, and continued progress will rely on regulatory stability and sustained investor trust. For now, XRP’s success in Thailand highlights the increasing impact of digital currencies on traditional finance.