# XRP USD (XRPUSD) vs State Street SPDR S&P 500 ETF Trust (SPY) · total-return overlay

LOPJLB holding-return compare (5Y). Dividends and splits. Each path starts at 0% from the first adjusted close in the window.

XRP USD (XRPUSD) vs State Street SPDR S&P 500 ETF Trust (SPY) total return over 5Y: XRPUSD +18.39%, SPY +88.08%. Regime XRPUSD RECOVERY · SPY BULL. As of Oct 12, 2026. Research only.

- Interactive: https://www.lopjlb.com/vs/XRPUSD/SPY
- API: `GET /bff/api/bigfive/compare-series?symbols=XRPUSD%2CSPY&range=5y`

## Window

| Symbol | Window % | Worst drawdown | YTD |
|---|---:|---:|---:|
| XRPUSD | +18.39% | -75.97% | -28.59% |
| SPY | +88.08% | -24.49% | +14.79% |

## Periods (calendar lookback)

| Symbol | 1Y | 2Y | 3Y | 5Y |
|---|---:|---:|---:|---:|
| XRPUSD | -47.03% | +148.61% | +177.54% | +18.39% |
| SPY | +18.62% | +36.24% | +86.06% | +88.08% |

## Annual

| Year | XRPUSD | SPY |
|---|---:|---:|
| YTD | -28.59% | +14.79% |
| 2025 | -21.02% | +18.01% |
| 2024 | +230.10% | +25.59% |
| 2023 | +81.64% | +26.73% |
| 2022 | -59.99% | -18.64% |
| 2021 | -26.59% | +7.72% |

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Research context only. Not personalized investment advice.