XRP Army.co.uk
UK · Independent · Built by the XRP Army

The UK home of the XRP community.

Independent XRP tools, education and analysis. Calculators built for UK investors, plain-English guides, and real coverage of how XRP is used in banking and payments — no hype, no shilling.

Open the XRP calculatorsStart with the basics
XRP / USD
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Market Cap
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Live data · CoinGecko · refreshes every 60s

3–5 second settlement

The XRP Ledger has been settling transactions in seconds, with sub-penny fees, since 2012.

Built for payments

Used as a bridge asset for cross-border value transfer, including on-demand liquidity via Ripple Payments.

150+ validators

Operated by exchanges, universities and independents worldwide. No mining, no proof-of-work.

Tools

Featured XRP calculators

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Profit

Calculate your XRP profit or loss in GBP or USD. Factor in buy price, sell price, fees and position size. Free, no signup.

Millionaire

Work out exactly how much XRP you need to hit £1 million at any target price. Free interactive calculator with worked examples.

DCA

Calculate the returns from a recurring XRP purchase plan (DCA). See your average buy price, total spend and position value.

Future Value

Project the future value of an XRP holding at any annual growth rate over any time horizon. Free compound growth calculator.

Education

Latest from the education hub

All guides →
Basics · 9 min

What is XRP?

XRP is the native digital asset of the XRP Ledger — a decentralised blockchain optimised for fast, low-cost value transfer. Here's how it actually works.

Basics · 8 min

What is Ripple?

Ripple is a privately-held fintech company that builds enterprise cross-border payments software. It is not the XRP Ledger, and it does not own XRP — but the relationship matters.

Compare · 8 min

XRP vs Bitcoin

Bitcoin is digital gold. XRP is digital payments. They solve different problems and a serious crypto holder usually owns both. Here's the head-to-head.

Compare · 9 min

XRP vs SWIFT

SWIFT is messaging, not settlement. XRP is settlement, not messaging. They are often compared but they do different jobs. Here's the real picture.

Adoption · 9 min

XRP Utility Explained

XRP's utility goes beyond price speculation. Here's a clear look at what the token and the XRP Ledger are actually used for in 2025.

Adoption · 7 min

XRP and ISO 20022

ISO 20022 is a messaging standard, not a blessing. Here's a sober look at the connection between ISO 20022 and XRP.

Market

XRP / USD live chart

The weekly XRP brief

Independent UK-focused analysis, every Sunday. What actually happened in the XRP ecosystem, what's noise, and what to ignore.

Weekly UK-focused XRP brief. No spam, unsubscribe anytime.

Frequently asked questions

XRP Army is a UK-based community and education hub focused on XRP — the digital asset used on the XRP Ledger for fast, low-cost cross-border value transfer. We publish independent guides, calculators and market tools, with no paid promotions disguised as editorial.