Understanding how much 1 XRP is worth in Philippine Pesos (PHP) is essential for investors, traders, and anyone dealing with cross-border payments. As of January 26, 2026, the current exchange rate hovers around ₱109.21 per XRP, reflecting a daily drop of approximately ₱3.60, or –3.19% compared to the previous day. (paybis.com) Over the past 24 hours, XRP has seen fluctuation, with prices ranging between ₱108.52 and ₱113.24. (coinbase.com) Such volatility underscores the importance of timely tracking when making conversions or assessing value.
Trends and Recent Price Behavior
Short-Term Movements
In recent days, XRP has shown softening momentum against the peso:
- January 25, 2026 (Sunday): ₱112.81
- January 24, 2026 (Saturday): ₱113.10
- January 23, 2026 (Friday): ₱113.04
- January 22, 2026 (Thursday): ₱115.29 (paybis.com)
This suggests that the XRP to PHP rate has eased back from a midweek high, possibly influenced by broader crypto-market sentiment or local demand dynamics.
Monthly and Yearly Perspective
Comparing today’s rate with longer-term benchmarks:
- One month ago: About ₱109.90 per XRP (coinbase.com)
- One year ago: Near ₱176.03 per XRP (coinbase.com)
This tells us that XRP’s value in PHP has declined by roughly 38–40% year-over-year, highlighting a meaningful correction in local terms.
Why It Matters: Real-World Context and Use Cases
Remittances and Cross-Border Transfers
For Overseas Filipino Workers (OFWs) sending money home, XRP can be a tool for fast, low-cost remittances. A volatile exchange rate, as seen today, can impact the amount received. For example, moving ₱10,000 worth of XRP today would require approximately 0.0921 XRP per peso, or around 920 XPXs. (coinbase.com)
Trading and Investment Strategy
Traders can use the range data to identify entry or exit points:
- Low: ₱108.52
- High: ₱113.24 (coinbase.com)
Seeing movement within this range can offer short-term tactical opportunities or signal entry into longer-term positions.
On-Chain Activity and Institutional Signals
Beyond price, XRP’s broader market story includes renewed institutional interest and ledger usage.
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Recently, SWIFT has initiated trials integrating Ripple’s XRP Ledger for ISO 20022 compliance—potentially driving huge transactional demand for XRP. Analysts estimate this could translate into demand valued at 1% of SWIFT’s $150 trillion transactional volume—i.e., $1.5 trillion. (ainvest.com)
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Separately, a dramatic surge in XRP ledger activity saw over 1.35 billion XRP moved in a single day, a signal that on-chain activity may be restructuring organic demand, often preceding price rallies. (reddit.com)
“Transaction volume often precedes price rallies by 2–4 weeks,” a point commonly observed among blockchain analysts tracking XRP ledger metrics.
These patterns suggest XRP’s recent pricing is not just speculation but potentially tied to deeper shifts in its utility and adoption—especially in global payments infrastructure.
Tools for Conversion and Practical Benchmarks
Conversion Tables for Quick Reference
A snapshot for today’s rate:
- ₱54.29 for 0.5 XRP
- ₱108.59 for 1 XRP
- ₱542.93 for 5 XRP
- ₱1,085.86 for 10 XRP (coinbase.com)
These conversion tables are particularly helpful when planning transfers, payments, or small-scale investments.
Monitoring and Staying Informed
Given XRP’s volatility and evolving use cases, continuous monitoring is crucial. Using live conversion tools and tracker dashboards can help individuals and businesses avoid unfavorable timing and align with broader trends.
Strategic Summary
- The current XRP to PHP rate stands at approximately ₱109.21, down around 3.2% today.
- Price fluctuations within ₱108.5 to ₱113 provide short-term trading boundaries.
- Year-on-year, XRP has lost around 38–40% in peso terms.
- Institutional narratives—from SWIFT trials to ledger activity boosts—signal potential for renewed interest.
- Practical tools and conversion tables aid real-world use cases like remittances and payments.
Conclusion: What to Watch Next
XRP’s current performance in PHP reflects a mix of short-term volatility and deeper structural shifts. While prices may feel depressed compared to prior levels, growing on-chain activity and institutional experiments point to evolving demand frameworks.
Next steps might include:
- Using the ₱108–₱113 range to time trades or transfers.
- Keeping an eye on ledger activity and news—especially developments around financial infrastructure adoption.
- Employing reliable conversion tools when making real-world transactions to ofset currency fluctuations.
In essence, XRP to PHP today is more than just a price—it’s a dynamic gauge of adoption, sentiment, and cross-border utility in motion.
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