Things couldn't go much better this year than they have for investors who own XRP (XRP 0.38%), also referred to as Ripple by some. The cryptocurrency, and also the native token for the XRP ledger, has gained about 380% during the past 12 months. Here is why XRP might be the smartest cryptocurrency to buy with $100 right now. Since then, XRP's price has skyrocketed, a clear sign that the uncertainty surrounding Ripple Labs had been weighing on XRP's price. As long as you maintain XRP as a reasonable allocation in your portfolio, its high long-term ceiling might make it the smartest cryptocurrency to buy with $100 right now.