XRP has achieved a remarkable return, transforming a $10,000 investment into $73,000 in just nine months, a feat that would take a U.S. online bank over 40 years to accomplish at a 5% annual percentage yield (APY). From November 2024 to July 2025, XRP's price surged from $0.5 to $3.66, demonstrating its potential for rapid growth during market rallies. In contrast, traditional U.S. savings accounts offer significantly lower returns, with the national average savings rate at 0.39% APY, according to the FDIC's January 2026 update. Even high-yield online savings accounts, offering between 4.20% and 5.00% APY, would require decades to match XRP's nine-month performance. Despite XRP's impressive gains, it carries inherent investment risks, unlike the stability offered by traditional savings accounts.