XRP

Da_WooDr

Siacoin, Holochain, Amp, XRP, XLM, LTC, Dash, BCH, ZEC, VeChain, Mana, ICP, XDC, Algo, Link, FileCoin, XMR,

josephhendee

Hold it don’t be stupid. It’s the bridge currency to move money fast and very cheap. Institutions will be using XRP heavily in the near future. Just my opinion.

biggest_guru_in_town

ETH,XRP,SOL. Blue chips only. No shitcoins. No high risk. I'm not rich nor in a first world country. Shitcoin stacking is suicide. 60% BTC 30% ETH 10% anything else. I'm thinking about what survives Ina decade. I'm not after profits. I am treating them as assets to be accumulated. I'm only after bears. The original intended purpose of crypto, not fiat.

kitchenhack3r

I’ve worked in crypto for 6 years and have been investing for even longer. I owned nano back when it was called raiblocks (it got stuck on bitgrail, iykyk). Nano was an interesting product but payment coins like Nano and XRP have no practical use in the stablecoin era.

Saffuran

XRP is almost certainly not going to 20x in 5 years - it is too hyper inflated. Outside shot at 10x MAYBE but only if other cryptocurrencies are doing much better (some kind of super cycle in 5 years time.) I'm just not a fan of Ripple - functionally it doesn't line up with systemic decentralization which is my preference and which is supposed to be a core component of the technology over longer time horizons. To me it is a lot more like DASH than a true crypto project.

WastelandOfConfusion

You’re better off buying TRUMP, XRP ain’t going nowhere.

Popapalooza

XLM, TAO, BTC, XRP, HBAR, Chainlink

CryptoAnarchyst

Dude, the level of your ignorance is disappointing. No, you’re not doing 10x better in other chains… look at ADA, look at ETH, look at NEO, dragon chain, ICX, and shit ton more coins that are dead. You are falling for the same playbook that ADA cult has fallen for… Solana has less than a THOUSAND validator nodes, that’s less than any other top 20 blockchain. And they are 90% on AWS which makes them HIGHLY centralized. Three major entities own over 70% of the nodes… you call this a decentralized chain, fucking XRP has better chance of being called decentralized. Real user transactions on Solana are around 10% the rest is voting and consensus tx. The majority of PnD schemes, meme coin rug pulls, and general scams are on Solana because it’s cheap and easy to manipulate. There’s no barrier to entry, no gate check… The majority of tokens in Solana when it was stated was allocated to VCs, and they take EVERY POSSIBLE CHANCE to dump their coins on your stupid ass because you’re willing to throw your money away. There is no more on ramp for major capital entry into alts, if you can’t understand capital rotation then I can’t help you. Is that enough info for you? Or are you going to stay ignorant and defend something that’s indefensible?

CryptoAnarchyst

Son, you are thinking short term and not long term... Research "Adoption of New Technology Theory" and understand the concept of the S-Curve. If you think that Bitcoin is done with "the move" then you really should get out of crypto completely. If this is it for Bitcoin, there is no crypto, there is no adoption. Educate yourself, before you lose every dime you have to chasing insane gains. Bitcoin might not 100x from here, but it will sure as shit 15X and that's never happening for Solana, XRP,Hex, or whatever else shitcoin you guys are pumping these days.

ConcentrateJolly5461

You went from “it got federal recognition as a reserve eligible asset” to “well, the mandate could evolve later.” You are literally surviving on pure 'what ifs' at this point. The government didn’t hand pick XRP because of its utility, they categorized it because it’s what they happen to have confiscated from bad actors over the years. Betting your financial future on the government changing its mind to bail out your bag is a wild strategy, but good luck with it.

ConcentrateJolly5461

You’re getting excited over a participation trophy. Trump's March 2025 executive order specifically put Bitcoin into the *Strategic Reserve..*meaning the US government wants to actively hold it as digital gold. XRP got thrown into a *Digital Asset Stockpile*, which is literally just a holding bucket for tokens the government has seized from criminals. The government isn't buying XRP to back the country, they are just holding onto evidence. There's a massive difference between a strategic asset and a police evidence locker.

Ok-Suit541

I didn’t lose the argument or shift. In just used PLTR an example to debunk your point about TA and charts. Also, XRP was included alongside BTC in Trump’s March 2025 Strategic Reserve Executive Order. It went into the Digital Asset Stockpile rather than the active-purchase Bitcoin Reserve, but still got federal recognition as a reserve-eligible asset. Not sure why you’re so dismissive of that fact. Maybe it’s because you’re a Bitcoin sheep. And yes, I am holding a valuable asset.

ConcentrateJolly5461

Imagine shifting the goalposts all the way to Palantir because you lost the argument on XRP. A tech stock with actual revenue has nothing to do with a centralized corporate token that serves as a permanent exit liquidity loop for Ripple executives. You’re not holding the next PLTR, man, you’re just trapped in a hostage situation with your own portfolio

ConcentrateJolly5461

Imagine holding an asset where the company behind it literally owns billions of the supply in escrow and releases it monthly just to suppress your own price action. XRP isn't a scam because 'maxis say so,' it's a scam because it’s a centralized database token pretending to be a cryptocurrency. It has failed to make a new all time high in nearly a decade. At this point, your bag isn't an investment, it's a hostage situation.

Ok-Suit541

I’m not. I know exactly why I’m holding XRP. I bet you can’t even explain why it’s a scam and are just accepting BTC maxis sound bites

Ok-Suit541

Yes. XRP is the way

Electronic_Quote399

​The most glaring issue with XRP is its tokenomics. Unlike bitcoin, which is minted by a decentralized network of global miners, Ripple created 100 billion XRP out of thin air at inception. Ripple kept a massive chunk of the supply for themselves and locked 55 billion XRP into cryptographic escrows. Every month, the escrow automatically unlocks 1 billion XRP. Ripple sells a portion of these unlocked tokens to institutional buyers or on the open market to fund their own operations, executive bonuses, and expansions. Whatever they don’t sell gets rolled over into a new escrow at the back of the line. ​Imagine investing in a stock where the CEO holds a massive vault of shares and dumps hundreds of millions of dollars worth of new supply onto the market every 30 days. It creates an artificial, permanent ceiling on price appreciation and aggressively dilutes retail investors who are HODLing while the corporation uses them as exit liquidity. ​ ​Ripple changes its story based on whichever way the wind is blowing. They constantly try to separate themselves from the token when it’s convenient, yet use it for everything. When the SEC sued them for selling unregistered securities, Ripple’s legal team aggressively argued that XRP is completely independent of Ripple Labs and is just a decentralized open source asset. Yet, their entire corporate branding, their software packages, and their marketing materials completely conflate the two. They pitch banks on Ripple's corporate ledger software, but retail investors are led to believe that bank adoption means the price of the retail token will explode. In reality, banks don't need to hold volatile retail XRP to utilize Ripple's private ledger software. ​ ​The social media ecosystem surrounding XRP is horribly unnatural. Independent investigations over the years have noted that the XRP army behaves less like a community and more like a coordinated marketing campaign. ​There are heavy allegations and strong evidence of massive bot networks on X and YouTube designed to suppress any criticism, trend artificial hashtags, and pump hyper bullish sentiment. Paid influencers and predatory YouTube channels run livestreams with clickbait titles featuring fake news about SWIFT completely replacing its network with XRP. It preys on retail investors who don't understand how institutional banking actually works. ​​True crypto projects focus on building open source tech, Ripple acts like a Wall Street cartel. During major election cycles, Ripple and its executives Brad Garlinghouse and Chris Larsen poured massive sums into PACs. They didn't donate out of ideological belief in financial freedom. They split their donations aggressively down the middle, backing both pro crypto Republicans and pro crypto Democrats. ​Chris Larsen funneled millions into super PACs supporting Democratic candidates, while other facets of their lobbying machine cozy up to the right, buying political favor from whichever takes power to ensure their corporate survival. ​ ​The price targets pushed by XRP moon boys are mathematically illiterate. You'll often see influencers claim XRP will hit $100, $500, or even $1000 "when the banks take over." With a circulating supply of 55 to 60 billion tokens, and 100 billion total max supply, you just have to use basic multiplication, price x supply = market cap. ​If XRP hits $100, its market cap would be $5.5 trillion to $10 trillion. Larger than the entire GDP of most major world superpowers. ​If XRP hits $1000, its market cap would be $55 trillion to $100 trillion. The entire amount of physical and digital money in circulation globally is roughly $100 trillion. ​To believe in $1000 XRP, you have to believe that a single, corporate controlled settlement token will capture 100% of all the money on planet Earth. It's impossible. ​When Ripple came out over a decade ago, the idea of fast, cheap cross border payments was revolutionary compared to Bitcoin’s block times. But today the tech is ancient. ​High speed, cheap L1 networks like Solana can process tens of thousands of transactions per second for fractions of a penny. Ethereum L2 networks, stablecoins, and native bank infrastructure have completely filled the cross border settlement gap. Banks would much rather settle using a stablecoin pegged to predictable fiat than a volatile altcoin like XRP. My suggestion would be to start with some Solana, Ethereum, and some bitcoin. Don't go all in until you have done your own research and become more comfortable with the market. Don't follow influencers, they all have their own agenda. Even if someone sounds like they know what they're talking about.. trust but verify. Look into what i said, what others say, and form your own opinion. Most of all, dont use anything you'll need for living expenses, you dont want to get stuck behind the 8 ball and be forced to sell at a loss, only for the asset to 3x the following month. Good luck!

CryptoAnarchyst

The Fuck you’re saying… XRP is about the only shitcoin that’s worse than Solana. I’ve been in this space since 2016… I used to believe in Solana, but then I dug into the details and found it to be a turd. Just like XRP, ADA, and most others

thecryptostoic

You really do have to have patience in crypto especially when you're down over 50%... these are the best times to buy in fact to increase your position but also make sure to diversify into other cryptos similar to Solana like SUI. I'd also recommend ISO coins like XRP XLM and HBAR.

sticksforkicks

Don't conflate Bitcoin and crypto. Bitcoin has rules, but no rulers. Crypto is a scam. For instance, mETH has changed the rules 20 times. So far. A million new crypto's are created yearly. Every single one is scam. XRP is the biggest scam. Brad Garlinger never buys XRP, he only sells it back into the market so the rubes can be his exit liquidity. Every crypto goes to zero vs Bitcoin. Proven time and time again.

HSuke

Yeah. I wouldn't blame anyone who lost money on Algo, Nano, Atom, Dot, Iota, etc. They picked what they thought had utility, and still ended up losing out to actual shitcoins like XRP with terrible tokenomics and TRX with high Tx fees.

cousindupree

Do you best to keep your emotions out of it. Bitcoin and XRP...think of more as long term holdings; it's not a get rich quick scheme.

mantenner

The XRP sub is a degenerate echo chamber.

Independent-Lab4054

Its funny how the whole world can see Brad Garlinghouse aka Ripple ) aka XRP leading pack as far as institutioial blockchain settlement / financial products, on national news, in the white house, having all the bank partners and licenses, using xrp at the core of everything and a true deflatonary token, bridging the gap between tradfi and defi. Wake up. The system has already been chosen. There will be many winners in this space but only a few that see the big moves the life changing moves. This is the calm before the storm. The banks dont want you in and they are doing a great job of keeping you out. Utility runs this next phase. 

Perfect_Interest6239

XRP already got clarity from the SEC my brother and its now a dead coin as its not being adopted bu financial institutions. If you do a bit of research rather than believing influencers that don't know what they are talking about. CC Canton coin is what you should be looking at for this use case , look into it yourself and make a call. If you want long term money growth BTC , ETH and SOL are the coins you should be looking into. This is not advice please do your own research and for the love of God do not listen to anyone making crypto videos on social media.

FanNeither2678

tbh putting half your savings in one coin is pretty risky no matter which one you pick. I get the excitement about potential gains but crypto can be wild - like one tweet can tank everything for months. Maybe consider spreading it around next time? I made similar mistake few years back with different alt coin and learned hard way about diversification. XRP could moon but it could also just sit there doing nothing while BTC runs up. The stress of watching half your savings swing around probably gonna be brutal on your mental health too

AwkwardObjective5360

I feel you. I made a good profit in XRP actually but I didnt sell bitcoin.

Ambitious_Use_9578

Unfortunately there is a lot of fear and all of its outcomes in the human mind, roaming places like reddit. State just about anything with confidence on reddit and you will immediately get opposition, attacks and mockery. In crypto there are a lot of people who have lost their shirts playing the coins. ( Or waited for weeks, months and years and nothing happened.) They waited too long and saw gains turn into pennies or worse. They ate, slept and lived crypto for years or months, and got taken to the cleaners because of greed and or stupidity. So no one else could possibly win at this game because they lost. Anyone coming on here and stating that they invested in a coin they believe in must lose, and lose badly. Then there are the bots. The very large banking industry spends 100's of millions every year lobbying all levels of the political system to protect and push their interests and their investments. It wouldn't surprise me in the least to find out that Big Baning also asserts influence in various social media platforms. Bots are so easy to employ, and the public at large need to be encouraged to keep their investments in the banking system, I'm sure. When it comes to crypto, I only come here for entertainment unfortunately. That being said, XRP is a solid pick no matter what the chattering masses say.

joses5711

With the full 100 billion circulating supply it would need a trillion dollars to hit $10. So if you can see XRP gathering a trillion dollars competing with ever since other asset then by all means hold out for your number.

Apart_Bear_5103

XRP will be $0 in 5-10 years.

Extra-Specialist-601

I know? I did half my savings then. Made some money as I am a carpenter, then put half my savings into XRP. Thanks for caring about me and my profile so much haha

New-Animal-2570

I need to learn more about XRP. Saw a few videos today on YouTube about it

toothlessmonkey

depends on how many drinks you had..a couple more and you might fall in love with XRP

No-Investment9315

Another person who doesn't know what he is talking about. I guess you would have a reason for your opinion if you had actually invested in XRP but obviously you haven't so don't worry about us we are adults and will be fine with our decision.

jwheel888

I feel like there is money to be made in XLM and XRP. The DTCC partnerships were not for nothing

Patient_Craft2195

been around since 2020 and this feels almost identical to mid 2022. same group therapy threads, same "is this 2018 again" posts, same alt bleed.what im watching — stablecoin supply (USDT and USDC printing usually leads bottoms by a few weeks), hashrate near miner shutdown levels, and ETF flows finally stopping the bleed. none of those have flipped yet which is why im also not FOMO-ing here.solana, BNB, XRP holding up cleanest. agree most other alts are zombies until macro turns.

blissout2day

Overall my XRP DCA is about even.. but when I cash it out pretty sure I’m gonna lose because of the fees and spread. Probably just going to use it to buy peptides for now and if it ever hits >1.5 I’m getting mostly out. I’ll maybe keep 5000 to keep the torch going but at this point I would rather put it in the stock market and maybe a little more bitcoin but basically I’m done with crypto. Sometimes you win and sometimes you learn, lol.

WhaleWilliam

XRP actually has a good floor price. But the token inflation is just too high to reach that. BNB will hit $10,000 long before xrp hits $100

AutoModerator

Post is by: ChillGuy383 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1u336ph/coins_from_2017_that_are_still_here_vs_the_ones/ Been thinking about this a lot lately. Everyone's asking which projects will survive this cycle, so I went back and looked at 2017 as a reality check. That bull run had hundreds of coins pumping and it felt like you couldn't lose. Then the bear came and the graveyard filled up fast. Most of them had great whitepapers and absolutely nothing behind them. No real users, no actual development, just hype and a Telegram group. The ones that made it through had one thing in common, they kept building when nobody was watching. BTC, ETH, XRP,. Nexo also comes to mind, launched right into a brutal bear market and just kept developing their product while others were dying around them. Chainlink is another good one, people forget how many times it was written off, but they just kept shipping integrations and expanding the oracle network quietly, and now they're basically infrastructure for half of DeFi. That's what survival looks like in this space. The market is pretty good at filtering out noise eventually. It just takes longer than people expect and it's painful to watch in real time. If the project you're holding doesn't have a real reason to exist beyond the current hype cycle, that's worth thinking about. Not saying sell everything, just saying be honest with yourself about what you're actually holding. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

pop-1988

You could ask the same question for Bitcoin. On a trading exchange, transactions are internal to the exchange, not visible on the blockchain, therefore not restricted by the 10-minute block interval The answer is that the price market has no correlation to the currency's use for transactions The price market for XRP is speculative This also means that any "number go up" justifications based on usage volume are false Adoption does not cause price increases

Smart_Bench_9914

Almost down to 25K 10/10 liquidated me I had some future position on XRP,ADA,AVAX,FART,ETH And BTC,SOL after that again got liquidated on the Feb 2026 Again I tried ,opened some more positions with less capital again got liquidated .It's too much winning for me Mr. President

awesome_onions

Next time XRP moves again get ready for more of those videos to come out again and for more people to buy XRP instead of food and rent. Same people won’t sell until it gets to $1,000,000 minimum

Killer_Stickman_89

Anyone talking about XRP being more valuable than 100 is living in a land before 2020. And it wasn't really possible back then.

WastelandOfConfusion

XRP ain’t the one. Pull your schitt out of it before it gets any worse. And it will get worse, I promise you that.

Volgrand

On a general note, Diversifying with cryptos... well, it could reduce slightly the risk, but not too much. You are in a volatile, high risk market. If you don't know what you are doing, it may be time to stop and reassess your objectives. If you truly want to diversify, move part of your inversions outside of crypto market. But if you remain, I'd advise you to divide your crypto funds in percentages: \- 80% on big coins: BTC, ETH, XRP, DOT.... \- 15% on promising projects: Alpha coins (VELO...), new coins with a promising white paper... \- 5% on shitcoins. That bit is pure gamble: If they succeed, you earn big. But you'd likely lose everything. Then decide your strategy. Basically you can focus on three main strats: 1. Day scalping 2. Follow the big market fluctuations 3. Hodl 4. Add DCA to 2 & 3 **"Day scalping"** means you buy & sell fast, for small profit each time, many times a day. Requires a lot of work, market analysis and cold blood. Considering you "don't know what you are doing", I wouldn't recommend that. **To "follow market fluctuations"** is done in three steps: 1. Fine out a good moment to buy a few of the big coins. Remember the price you bought. 2. Decide a price increase in which you will sell. IE: Buy BTC at 65k, sell at 100k. 3. Wait until price reaches sell objective. This requires some analysis, but as you focus on big price changes, it is way easier and more relaxed. You may do a trade today, and not make another one in months or years. **HODL:** Buy, and keep buying, hoping prices will go up. It worked wonders for those who did it for years, but you cannot know if it will work nowadays. The main advantage is that it is simple: You buy and forget you have criptos at all **DCA:** Dollar Cost averaging. But regularly the same ammount of fiat currency (USD for instance) of the cryptos you choose. This makes price dips & surges less step. It avoids the risk of putting all your funds in a moment when price is too high, but the opposite is also true. Basically, you sacrifice a bit of potential benefit to reduce potential loses. Anyway, stop, reevaluate your strategy, and carry on. Crypto is very volatile, no matter how much you diversify.

ARoundForEveryone

"Diversifying" among crypto isn't a thing. Diversifying among *investments* certainly is. Stocks, bonds, crypto, etc. Trying to convince yourself that one coin/token is independent of another is a fool's errand. To some small extent, yes. To any extent that would make you happy with your bottom line in 10 or 20 years, no. Crypto rises and falls, both independently and uniformly. But mostly uniformly. Rising tides raises all boats, so to speak. When Bitcoin or Ethereum or XRP or whatever high-cap coin rises or falls, the majority of the market (or top 50 or 100 or whatever) do the same. High-cap coins move up or down, like any stock or bond or whatever. Within hours, the coins "below" those make the same move. Usually, not always.

YogurtCloset3335

The minute anyone serious starts using XRP, the government will coerce that corporation into censoring transactions, rendering it worthless for permissionless spending.

Karinaisacryptonite

XRP 🔥

teqnkka

How many years have to pass for XRP holders to understand no sane bank will ever hand over control of critical financial infrastructure to a private company like Ripple. Banks have two realistic paths forward: * **a)** Form their own consortium and build a private network where they control the nodes themselves. * **b)** Adopt the most decentralized, battle-tested, and secure blockchain network in the entire crypto space Neither option involves ceding power and ownership to a single for-profit company. Giving Ripple (or any small private entity) that level of influence would mean surrendering strategic control — something no major bank will do. This is especially true given Ripple’s massive ownership stake in the XRP supply. The token distribution is heavily centralized, which makes adoption even less attractive: banks have zero interest in becoming exit liquidity for a company that controls such a large portion of the asset. It simply doesn’t make economic or strategic sense.

pikminbob

I think people are heavily overestimating the velocity of XRP. Just because you can floor it at 120mph does not mean it is best to drive 120mph. XRP is not going to be used by retail. It's going to be used for wholesale settlement.

GuidanceHot8396

I think the largest banks in Japan are already adopting XRP or starting pilots for ODL, as of very recently. I know some have been talking about it happening for so long, but I'm trying to not allow that delay to blind me of the possibility that this token could make some big moves here is the future. Japan is something like the 4th largest economy in the world.

GuidanceHot8396

Please try to convince me otherwise. Here is my understanding: 100 Billion is actually not a crazy amount of tokens based on calculations I've researched for the transfer of value. Standard fiat wouldn't loose value just because technologies would allow it was used over and over at a faster pace. It could increase the value with more availability to the unbanked. The price of XRP should be high if used anywhere close to scale to cover existing value. 1 - A high price will prevent slippage during large transfers, so if institution want to use it, they'll make ways to increase the liquidity. 2 - If traditional finance infrastructure wants to do this, they'll utilize ETFs and retail accumulation of a depleted available supply to begin the appreciation. Both of these seem to be possibly happening now. The thing that is so interesting about XRP is that it was created as a "store and transfer of value". Basically, it's like BTC but with huge utility potential. I don't see how it is not a great medium to log term investment. I was made to be the liquidity behind, in the background. There is nothing else really like it or in a position to be used because of the infrastructure Ripple has acquired.

Far-Photograph-2342

That's exactly the question people should be asking. Fast settlement cuts both ways: it makes XRP more useful, but it also means the same liquidity can be reused many times, reducing the amount of capital needed to support a given transaction volume. The strongest bull case I've seen isn't based on transaction fees alone, but on institutions holding XRP for liquidity, market making, reserves, and settlement across multiple markets. Whether that justifies $1,000+ per XRP is a separate question, and that's where many of the ultra-bullish predictions struggle to show the math.

kanelikeisari

I am bullish on XRP but these posts of 100$ or 1000$ per XRP are just pure imagination. If we but variables we know and assume in fisher equation we get XRP price around 1$. I am assuming the token moves once per day and full volume is available. And that movement is slow as hell on which it's capable. Long story short I believe this token can be 10$ per XRP. How many years it take, not sure but my bet is on next two years. There are several things that needs to happen though. 1. Clarity act passes without further delay. 2. 5x growth of invented capital. Sounds harsh but not unseen in the market. 3. Around 40% xrp locked to long term holders, institutions, banks etc. If your looking next 100$ coin, just run away. To me 1$ to 10$ is pretty sweet deal though. It could be also that I am out when we hit 4-5$

314_999

https://blocknow.com/swift-crypto-50-banks-jpmorgan-citi-cross-border-payments/ "30 of the 50 banks already use Ripple’s network, meaning XRP is quietly wired into SWIFT’s new infrastructure, whether SWIFT mentions it or not."

314_999

https://blocknow.com/swift-crypto-50-banks-jpmorgan-citi-cross-border-payments/ "30 of the 50 banks already use Ripple’s network, meaning XRP is quietly wired into SWIFT’s new infrastructure, whether SWIFT mentions it or not."

diwalost

XRP is not headed to $1000 for sure. What your logic is absurd

MakCapital

You are extremely overthinking everything, and not understanding how rev is generated on major l1s. Nothing is currently driving XRP value. XRP is the driver of Ripple stock value. The network generates almost 0 revenue from activity. About $400 a day. Then only 7m in dex volume. With apps generating only 7k in fees. Nothing. Compare to competing chains that generate hundreds of millions or billions per year in all same metrics. This value either gets transferred to base asset holders or used to burn the base asset.

HSuke

What liquidity demand? There is no liquidity demand for XRP.

unclepaulie1

Nothing. It’s fantasy money. Ripple makes a lot of money selling XRP to bag holders though

pedrohustler

XRP is more of a fuel token now. The original usecase for cross border transactions has now been replaced by stablecoins. Prior to stablecoins, XRP needed a high value to minimise price volatility, but as stablecoins are now pegged to a certain value, there is no volatility when using those, and all regulation is being written around them, making a high value XRP less vital in the XRPL ecosystem. However, due to pathfinding, every transaction on the XRPL uses XRP, so more use will burn XRP tokens, and slowly drive the price up. There may also be a point where instead of using Stablecoins, users of the network may opt to just use XRP itself for transactions, so save the additional step of purchasing RLUSD (or equivalent) on XRPL. Finally tokenisation of real world assets also presents a new opportunity for the use of XRP.

cryptolipto

The DTCC is about to go live using chainlink as the base layer. Literally next month. XRP is an afterthought. Sorry

R4ID

>I often see people talking about $1,000+ XRP Im a large supporter of XRP, you need to block those people. >If XRP settles transactions in a matter of seconds, doesn’t that mean the same XRP can be reused many times throughout the day? If that’s the case, why would the price need to be extremely high to support large transaction volumes? Theres lots of things you need to consider. The first being, The more liquidity and overall "volume" XRP has, the higher its price will be, The higher the price, the less volatility because you are now using Less overall XRP to move the same value. (and extreme example) If XRP is 1 Dollar and I want to move 1 million USD into say Thai bhat, I need 1 million XRP to do that. If XRP is 100$, now I just need 10,000 XRP. essentially the higher value it has the less slippage and more efficient it becomes. >For example, if banks, payment providers, tokenized asset platforms, and other institutions start using XRP for liquidity and settlement, what exactly creates the need for a much higher valuation? Volume due to the amount of XRP in existence. The liquidity problem is usually as follows, The more people using it, the more volume and liquidity, this then leads to more people being able to use it because More people are pushing volume/liquidity through the system. aka Liquidity gets more liquidity, if ur a big bank you might not use it because it cant handle ur needs yet, but smaller banks can use it due to lower volume needs, they provide more liquidity and more volume on the network which then allows the next bank along the chain to do the same. The smaller banks do this because fees and costs are lower for them on the network than traditional systems. So now they can undercut the market and take market share away from the bigger guys. This repeats on a loop until the big banks are forced to either join the system or continue to lose market share. > Is it the amount of liquidity sitting on the books? Institutional reserves? Market makers? all 3 and more, XRP has Order books and AMM, it has the first ever built in DEX on chain (and first DEX in the world) it actually invented the concept before DEX was even a term (the same is true for stablecoins which also didnt exist/ had no name back in 2012) >I’m just trying to understand the mechanics behind the high price predictions. IMO a "high" price prediction is something above 15$. Anyone pushing something above that you should just openly mock, downvote, and block imo. They are pushing fantasy.

Busy-Statistician414

XRP SOL and HBAR have potential, but I only have the first two

XofHelix

XRP is worthless [https://news.ycombinator.com/item?id=25503473](https://news.ycombinator.com/item?id=25503473)

DonTheHolder

Zcash and XRP got dropped off as ALTS.

Lemon_Club

On paper, if XRP had mass adoption, the price would have to be high as to keep each transaction from violently spiking and retracting the price, as David Schwartz once pointed out. In reality its just driven by hype cycles

kill-dill

Asset managers will buy it if their clients want it and take a transaction fee. They don't care about it. No institution has ever meaningfully tested it or even the idea of using it. Ripple (XRP foundation) pays banks to work together for charitable events, so that they can say "we're partnered with banks!" When in reality they paid the bank to do a joint marketing initiative through charity. For 3 years I've been saying this and have yet to see 1 single solitary institution that has shown any interest. If crypto is used for cross border payments, it will be stablecoins on a cheap network or a banks private network. Thats it.

cedarrapidsiaus

**Availability:** "Kinexys and JPM Coin are strictly reserved for J.P. Morgan's institutional, enterprise, and corporate clients. \[[1](https://www.jpmorgan.com/kinexys/jpm-coin), [2](https://www.jpmorgan.com/payments/newsroom/kinexys-usd-digital-deposit-tokens), [3](https://www.prnewswire.com/news-releases/digital-asset-and-kinexys-by-jp-morgan-announce-intention-to-bring-usd-jpm-coin-jpmd-natively-to-the-canton-network-302654967.html)\]" Kinexys is used within Morgan and their clients. Its not even competing with use cases xrp and xlm offer. They just made net platform with their own digitized dollar and upgraded dollar to dollar transfers between them and clients. XRP XLM HBAR and QNT have massive use cases.

mamandemanqu3

Yes I realize that. But fortunately for me, in this situation, I’m right. Bro the amount of money it will take to make XRP anything worth writing home about is staggering. Ripple dumps a billion a month on you. No banks use it and if they did, it’s a buy/sell transaction. You’re hoping for a pump that once happened to repeat itself ,when it won’t, because there are far better opportunities. Crypto is not what it used to be. Ruined by pumpfun and KOLs. Faith is lost. There are very few projects worth it anymore and xrp is not one of them.

safetaco

Ripple holds 50 billion XRP. It f it starts to rise in value they will sell and dilute the market. It’s not even decentralized.

I_Stabbed_Jon_Snow

Why would private institutions bother building their own blockchain solutions when a single working model has proven to be scalable, secure, reliable, and comparatively quite cheap for a decade now? They can originate and settle all interbank transactions on their private, permissioned network without it ever being exposed to the open internet. There are never liquidity issues as the liquidity on their chain is, theoretically, infinite. No price swings during transfers, no risk of front running or trade sandwiching, it’s inherently safe compared to a publicly exposed ledger like XRP. There are no upsides and myriad downsides to using XRP vs a centralized chain like (literally) hundreds of banks, worldwide, are already doing for a decade now. 

I_Stabbed_Jon_Snow

You haven't done much reading on this subject outside of XRP fluff pieces, have you? JP Morgan started a blockchain project in 2015, which became Quorum in 2016, which has now grown into Kinexys. Hundreds of member banks, each has their own full node, they’ve been using it to settle interbank payments for, literally, a decade now on top of many other projects: https://www.jpmorgan.com/kinexys/about

7ivor

XRP doesn't do anything as you've noted. It's the token to pay for movement on XRPL, the ledger itself. Value would accrue to assets on the ledger, but not really to XRP. It would be bought, used for fees, then sold on the other end, so there's no value to the token. That's how some banks "use" it currently to transfer funds internationally, which drives no value to XRP as they don't hold it for more than a few seconds. Even this, there are other solutions available and I would argue that the end-game is bitcoin layers 2/3+ enabling similar functionality to send value via bitcoin as the intermediary to facilitate fiat flows. That will take time to develop, especially at banking-level volumes, so the other tokens have some years left of filling that gap, but they'll be squeezed out eventually.

richlobstermeow

If that were true, why hasn’t every bank just built its own SWIFT, Visa, Mastercard, or stock exchange? Networks derive value from liquidity, counterparties, and interoperability. Anyone can fork XRP Ledger. They can’t instantly recreate the liquidity, market makers, integrations, exchanges, and ecosystem around it.

Plunkerton_

I dunno man. My uber driver said that XRP is going to be the same price as bitcoin soon and I should buy some. Because... banks? Something about banks. And then... XRP, bro. Trust me, bro. Banks. And. XRP. To the moon.

DrSpeckles

The fact it isn’t going to huge prices is a key reason it could be successful. If you are designing something to be useful, then something that isn’t crazy expensive is a better choice. It’s why stablecoins actually fit the use case better than, say, BTC. Wanting the price to go up as BTC folk do is counter to the original goal of making it the new currency. Now that’s not saying XRP will be the medium of choice, but it does show why the price shouldn’t be the goal.

I_Stabbed_Jon_Snow

“In just asking a question…” then proceeds to argue with anyone who isn’t overwhelmingly positive about XRP in the comments. Stop shilling your underwater shitcoin bags, it’s not fooling anyone. 

thistimelineisweird

Do math. Compare that amount to global daily circulation figures.  If XRP has to move >100% of daily international transactions to hit that number, it's becomes insane since it's, you know, impossible. A realm of possibility is... first start quite low.

I_Stabbed_Jon_Snow

No, we don’t agree. There is no reason for central banks or major companies to adopt XRP as a medium of exchange when they can simply fork ETH or make their own hyperledger and XRP clone without while skipping out on elevating Garlinghouse to quadrillionaire status. 

thistimelineisweird

Math. Transactions settle fast, but that doesn't mean every token will be available every second all the time.  If 10% of available tokens are used to settle transactions, and they move 1 time a day, you can move $5.5 billion per day at $1 per XRP.  Scale your numbers up or down accordingly and there you go.  You can move transactions at the current price, sure, but how many tokens are available to send at any given moment? 

richlobstermeow

I think comparing XRP’s market cap directly to global GDP is where the argument starts to break down. GDP measures economic output. Financial assets routinely exceed GDP. Global real estate, bonds, equities, derivatives, and other stores of value are many times larger than annual GDP. I also think the velocity argument cuts both ways. If XRP is only being used as a bridge asset for a few seconds, then yes, a lower valuation can support large volumes. But if institutions, market makers, custodians, tokenized asset platforms, and liquidity providers start holding XRP inventories to reduce slippage and guarantee liquidity, velocity drops and the required value of the network rises. The other thing that gets overlooked is that Ripple today is targeting much more than payments. They’re moving into custody, tokenization, stablecoins, real world assets, capital markets infrastructure, and institutional settlement. The opportunity they’re pursuing is much larger than simply replacing SWIFT messages. I’m not saying that means $1,000 XRP is guaranteed. I just don’t think the “market cap exceeds GDP, therefore impossible” argument is enough on its own. The real question is how much XRP institutions would actually need to hold if XRPL became a major liquidity and settlement layer.

brandonholm

XRP is nothing more than a grift. Banks won’t use it, payment providers won’t use it, and people outside of the small subsection of gullible people that fell for the grift are not going to use it.

Suspicious-Can-7079

Xrp crazy price targets come from cult like propaganda that pretends it's going to be the world currency. They're using the Ethiopian calendar for their predictions because their date has already passed.. That's all you really need to know. Incoming AI slop on 1k xrp "Pure math first, then the narrative requirements. The math XRP has \~62B circulating supply and a max supply of 100B.  At $1,000/XRP: • Circulating market cap: \~$62 trillion • Fully diluted: \~$100 trillion For context, total global GDP is \~$110T. The entire US stock market is \~$50T. Bitcoin’s ATH market cap was around $2T. XRP at $1,000 would be the largest single asset in human history by a massive margin. What would actually need to happen 1. XRP becomes the dominant global payment rail. SWIFT processes \~$5T/day in cross-border flows. For XRP to justify that valuation, it would essentially need to capture a significant share of all global financial settlement — not just cross-border payments, but FX, trade finance, sovereign reserves. Even then, the question is whether XRP needs to be held to move value, or just used as a bridge (the velocity problem — high velocity = low holding requirement = lower price). 2. Massive supply reduction or burn mechanism. Unlike ETH (with EIP-1559) or BTC (21M hard cap), XRP was fixed at 100B at launch with no burn mechanism built in.  Without destroying supply, the per-token price ceiling is structurally lower than scarcer assets. 3. Ripple stops selling. Ripple controls \~42% of XRP through escrow reserves  and releases tokens on a schedule. That’s a persistent supply overhang. At $1,000, Ripple’s escrow would be worth \~$38 trillion — they’d be the richest entity ever created with enormous incentive to sell. 4. Regulatory and geopolitical tailwinds at a civilizational scale. XRP ETFs launched, SEC clarity arrived — that’s a catalyst for a $3–10 price, not $1,000. The jump from here to $1,000 is \~850x. Even the most bullish XRP scenario (replaces SWIFT, global adoption) struggles to justify more than low-to-mid three figures. Bottom line: $1,000 XRP requires a market cap that exceeds global GDP. It’s not a price target — it’s a thought experiment about whether a single crypto asset could become the reserve settlement layer of the entire world economy, with Ripple somehow not being a seller at those levels. Theoretically possible in a science fiction framing, practically implausible within any investable timeframe. If you’re bullish XRP, the realistic high-conviction range to debate is $10–50 (solid adoption, ETF flows, ODL scaling) vs. $100–200 (dominates global FX settlement, becomes quasi-reserve asset). $1,000 requires premises that would restructure the global financial system entirely."

jeremiahcp

For retail, sure. But XRP was designed for high-volume cross-border payments and settlement, including use by financial institutions. If transaction volume ever reached truly massive scale, even tiny burns would add up over time. That said, the burn rate is so small that it doesn't justify the crazy price predictions people keep throwing around.

jeremiahcp

Every XRP Ledger transaction burns a tiny amount of XRP as an anti-spam fee.

AlternativeTiger4302

Biggest fumble in crypto was deciding between XRP, ADA and ETH back in July 2019 when I first got into crypto. I chose XRP and watched ETH and ADA go nuts. Would've had 1m+ in ADA. Biggest fumble in stocks was buying and selling TSLA in 2012 for a quick 10% gain. Would've had 100's of thousands.

CrimsonDeezNuts

Bro literally spent 10 mins to shit on XRP and its community and just four months ago was asking if "COULD XRP BECOME THE NEW DEBT OF MARKETS TO SUPPORT THE DOLLAR??" Aside from all your posts about "experiencers" and mushrooms, maybe you need to lay off the drugs and go touch some grass.

ihsanbing

Starting can still make sense, but I would separate the decision into three parts: what you buy, where you keep it, and how you manage risk. If the main fear is platforms freezing withdrawals, do not treat an exchange balance as long-term custody. Start small, learn one test deposit and withdrawal, and move long-term holdings to your own wallet once you are comfortable. I work with Altrady, so bias disclosed, but the general lesson is bigger than any tool: use exchanges for execution, use a wallet for custody, and use tracking/alerts so you are not making rushed decisions. A fixed monthly amount can be reasonable if you accept drawdowns and avoid chasing the missed XRP move. Patience matters more than starting at the perfect year.

AdvocatusPiscatoris

Stupid high school and college kid at the time... I bought $2,500 worth of XRP in 2015 for a little over a penny each. Sold all of it when XRP hit $0.19. Bought only $200 worth when it hit $0.23 and sold all of it when XRP hit $2.30 in 2017. I think i missed out on roughly $570,000 if I didn't sell at $0.19. oh well, live and you learn 😃 (not generational wealth but damn good money still).

wgcole01

In 2017, my plan was to sell my XRP heavy alt portfolio and roll it all in to BTC at the bottom. If I had actually done that, I'd have been holding about 169 BTC. If I managed to time the 2025 peak right, I could have netted about $17M. But I didn't. I held on thinking that the 2017 bull run was just the start of good things to come. I didn't respect the cycle. I made good money in the 2021 bull run, but not $17M good.

Sternsnet

I'd say a mix of Eth, XRP and ADA. All three look like they are close to a bottom and due for a very big bounce.

neen209

Too many… I bought 1000 BNB at $10 & sold at $14 (I believe I lost in sats) I had close to 2 million doge one time. I bought $5000 of TRX at 2 cents & it shot up to I believe 24 cents in like 3 days. When I sold, I had 4 BTC. Threw all that BTC into alts & lost majority of it. Had 20k XRP bought at 5 cents…sold a long time ago at like 20 cents. Had like 25k invested in Tellor when it was at like $20….sold it like a month before it ran up to like $600 Honestly…there are so many more instances, but I just got sick to my stomach typing this all out, that I am going to stop now.

DankShibe

I’ve done the same with Doge. 2018 buyer and I haven’t sold a dime . Sold 60% of my XRP at 3 dollars though.

Ok-Suit541

XRP beats ZBCN

DivinityInsanity

Made a lot of money shorting XRP the past few months. Whatever their influencers do, they should keep doing it, lol. But now that I'm done with it, I will probably never think about XRP again.

unknowngloomth

This post makes me want to buy XRP. But anyways, I don't understand how XRP has such a huge market cap when there are about 38B coins to enter in circulation. https://preview.redd.it/4lugd005y36h1.png?width=720&format=png&auto=webp&s=3737e0ba751e4f3ccbff3711ebaedb85ba30f399

Future_Finding_6371

The whole crypto YouTube scene is just content farms at this point, everyone promising moon shots for engagement. XRP community got especially wild with the hopium but crypto twitter in general is pretty toxic when people start throwing around those price predictions

Nervous_Hurry_9920

Honestly, the only one I really hear anyone talking about in my day to day life are XRP and doge. They're the 2 that will have the hype of the everyday pleb.  I genuinely could see DOGE hitting 80 cents in a pump cycle. Albeit very shortly

Epictricker2025

XRP, because they're going to make it world currency after the dollar collapse starting next October / November.