XRP

BrianBBaldwin

Invest in it all, equities/stocks, iras/roths/brokerage mf's/stocks/etfs/dividend "buckets", gold (10% of portfolio), some commodities, cryptocurrency (10% to 20% of portfolio), own a house, a few "collectibles" (I collect rock posters, a few baseball cards, watches), if you collect "wine" I would buy port wine, cognac)... but it takes a learning curve as with anthing, so if you are just starting out with crypto just stay with Coinbase or Robinhood and buy Bitcoin and XRP. Yes, invest in a broad portfolio, but maybe avoid bonds for now.

Romanizer

So what needs to happen and how realistic is that? I don't think there is a realistic case for XRP, it's only hype for exit liquidity.

StraightG0lden

The tldr; is that the U.S. Senate is voting on a bill about whether they recognize crypto as a commodity or not which has a massive impact on how it's regulated in the country. So based on how the U.S. classifies crypto the markets are going to move a ton short term. The people recommending XRP or other altcoins are predicting a favorable outcome on the vote. If you're looking for a long version you're going to have to do your research on it. As for keeping up with the news you pretty much have to actively search for it because there isn't just a single reliable source to take opinions from.

StraightG0lden

XRP, SOL, ADA, etc (your "major" altcoins) would all be about the same gambling on which way the U.S. Senate votes on September 15th so one of them is pretty much as good as the others for the short term. If there's a favorable vote they're all going up pretty fast. If the vote goes against them they're all dropping just as fast. Their immediate value is going to be 100% dependent on how the vote goes. So it's up to you if you get in on that gamble or not and I'm not going to advise one way or the other because it's basically a coin flip. Long term I personally don't like XRP because of how Ripple's handled it but that has no real bearing on the immediate price.

godofknife1

Ahhh I see. If I may ask your opinion, what coin would you recommend to play an Option call? Some people keep saying it's XRP

opensandshuts

IMO, Ripple will hold off on integrating CCIP until they are absolutely have to. My understanding of Ripple is that they seem to be betting on XRP being the "gas token" for transactions on XRPL. Integrating LINK would be an indicator that XRP may not survive.

OBEACHIBIZA

XRP has boomed this last week and looks like it isn't stopping. 10x over the next 3 years

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Post is by: Civil-Mine-4168 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1vwfbcj/the_btc_breakout_was_a_treasury_liquidity_event/ Quick reconstruction of the week, because the sequencing matters more than the price action: Aug 18 — SEC proposes "Regulation Crypto Assets," easing disclosure requirements for certain offerings. Aug 19 — Treasury announces long-dated bond buybacks at least double in size, $2B to $4B+ per operation. Yields drop. Aug 20 — BTC breaks the six-week range, tops $71K. Roughly $3B of shorts liquidated in 24h, largest since 2021. Spot BTC ETFs take $606M. Aug 21-22 — BTC settles around $77.3K, +22.7% on the week. ETH \~$2,360. XRP +39%. Fear and Greed 72. Two of the three catalysts are policy, and policy can be withdrawn. The buyback expansion is the load-bearing one — it's a real change in dollar liquidity, and it's why this looked more like a macro risk-asset repricing than a crypto narrative pump. The part I think is being misread: everyone is calling a top off the Greed reading. But perp funding is only running about +4.7% annualised on the month, and the trailing week cooled to +3.8% — roughly half the long-run +8.4% average. After a +22% week you'd expect funding to be screaming. It isn't. That implies this leg was driven by spot and ETF flow rather than leveraged longs piling in. Which is a genuinely different risk profile than a squeeze top: fewer forced sellers stacked up on the way down, but also much less short fuel left on the way up. The 24h liquidation tape has already flipped two-sided (\~$858M longs vs \~$816M shorts), so the easy direction is gone. What I'm watching rather than predicting: \- Whether ETF inflows keep printing $200M+ days now the squeeze fuel is spent \- Whether funding actually normalises upward, which is when the crowded-long argument becomes real \- Dominance. Alt gains so far look like beta off a BTC breakout, not rotation — the tell would be dominance breaking down while BTC goes sideways. Curious what the bear case is beyond "it went up too fast." Anyone still short, what's the thesis? *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.*

Ornery-Tax9469

Look at the top10. Only XRP with +50% against the other coins. That’s standing out like a sore thumb per definition.

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Post is by: move-size123 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1vw8q81/thoughts_about_xrp/ The altcoin picture contradicts the bullish framing most directly in the ATH gap data. The average top-10 coin sits 75.8% below its record, and the bottom five of the ranking average 92.9% below theirs. XRP is the one genuine exception with a 47.3% 7-day move that is more than twice the group median, but even XRP is not close to recovering its all-time high. *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.*

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Post is by: move-size123 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1vw8oaa/xrp_moved_473_in_7_days_more_than_double_the/ The altcoin picture contradicts the bullish framing most directly in the ATH gap data. The average top-10 coin sits 75.8% below its record, and the bottom five of the ranking average 92.9% below theirs. XRP is the one genuine exception with a 47.3% 7-day move that is more than twice the group median. What do you think? *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.*

ReikoKairo

The only thing i ever really bought into was XRP, the average price i paid was $0.57 after i spent an extra $2,000 when it was at $1. I wish i had the money to buy more..

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Post is by: move-size123 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1vw8031/xrp_moved_473_in_7_days_more_than_double_the/ The dominant narrative in the crypto press this week is that a broad recovery is underway, driven by regulatory momentum around the CLARITY Act and a fear-and-greed index climbing out of its 29 thirty-day average. The 90-day data supports the price recovery but not the 'broad' part. BTC's 90-day volume hit 71.4 billion on 22 August, 2.66 times the window median The altcoin picture contradicts the bullish framing most directly in the ATH gap data. The average top-10 coin sits 75.8% below its record, and the bottom five of the ranking average 92.9% below theirs. XRP is the one genuine exception with a 47.3% 7-day move that is more than twice the group median, but even XRP is not close to recovering its all-time high. *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.*

WellPayed

XRP about to take off

Romanizer

Why not? There even is a XRP ETF. If people want to pay fees for that, someone will offer it.

Rivin-Mystic

XRP and XST would go up as the AI Infrastructure projects are focused on the future Architectural Design implementation into many sectors.

R4ID

>I would be careful with xrp. It's not decentralised sigh. Why do all you BTC maxis that dont know anything about the topic always pop ur head out and speak about things you very much dont understand? it is very much decentralized. I have 1 simple question, Prove it. here's a basic like of examples, free free to pick one and explain how they are possible, when you realize you nobody can do any of the following, you'll understand that you are wrong. Show how someone can freeze transactions/wallets Show how someone can reverse a transaction, censor a user/wallet/transaction. Show how someone can create more XRP. Show how someone could force a code update on the validators. Provide a theoretical or practical example of the "centralization" that you're claiming is there, back it up with sources and evidence please. Im begging you to make me look like jackass (u wont do it)

MelangeBot

Yet the entire market went up together in the last week. BTC went up 22% in a week, XRP even 50%. All rise and fall together. How could that possibly NOT be coordinated? Some group does a pump on BTC, because the other pairs mainly trade vs BTC their dollars prices are now wrong, so people buy it in dollars then sell on the BTC pair, then sell the BTC. Dampening the BTC pump a bit, but pumping the dollar prices of the alts. Some are very low liquidity and on buying on the dollar pairs, easily pump 50% in a week on that.

joebmurphy55

I have no BTC at all. It was just too expensive to buy any substantial amount. Sure, I would have loved to buy it at $100, $500, or $ 1,000, but that ship has sailed. I just really don't see the point of buying $1000 worth of Bitcoin and getting 1/78th of a Bitcoin. Even if Bitcoin took off and doubled, I would only double my original investment. Not enough to retire on. However, if I spend that same thousand on XRP, XLM, HBAR, or one of the other alts under a dollar, and it takes off and goes to $5, $10, or $20, I have made much more with the same investment. I don't have the kind of money it would take to buy a substantial amount of Bitcoin that I could retire on, so for me it's just a matter of mathematics. Bitcoin is not an option for me.

TheGreatCryptopo

XRP and Trump. The dream team.

PickleBall_Bandit

I’ve been holding since 2018 and haven’t sold until a week ago. Sold 1000 XRP and 5200 ADA to buy some Gold… of course it would go up, at least I got some shiny for it

XShadowarriorX

It’s being liquidated for an XRP pop wait for it

Personal_Ad_2034

Even if it XRPL matched Visa-level transaction volume for RLUSD, the XRP Ledger would destroy only about 0.0075% of the XRP supply each year. Thats not enough to do anything unless you want to hold it 50 years.

HBRWHammer5

Here's something xrp maxis seem to never answer: Why would the banks use XRP instead of just making their own chain/token/whatever where they have full control? XRP will never see the mass adoption these delusional bagholders think they will see.

PureCod9290

XRP is hilarious. Bagholders just think that everyone's going to let them insert themselves as a fee taking middleman for some reason. Like hanks will just be happy to pay some third party? Absolutely fucking delusional

opensandshuts

Interesting prediction, but here would be my questions: 1. Why wouldn't the US just immediately dump that XRP? If it "skyrockets" AND becomes the default digital currency, how does that benefit or hurt US public? How would the US handle that? "Hey everyone, we are now using XRP. We got it for free as a "gift", it trades for $3.00 per coin, so think of it like a $1 USD, but it costs you $3 USD. 2. What kind of legal battles would ensue if the US was gifted several billion dollars by a private entity? I'd also recommend looking into what the only stablecoin in the US is doing today. It's Wyoming's FRNT token. Here's a summary: Wyoming’s state-issued **Frontier Stable Token (FRNT)** operates on a multi-chain network. It is primarily native to **Solana** and spans seven other public blockchains (**Arbitrum**, **Avalanche**, **Base**, **Ethereum**, **Hedera**, **Optimism**, and **Polygon**) using Chainlink's CCIP for cross-chain infrastructure.

JustStopppingBye

\> US announces XRP as future of finance and also a hedge against the declining use of USD as a reserve currency. 😂😂😂😂

Particular_Bed_5400

I can’t believe everyone is still writing the XRP hype train when Linea has already integrated 40 banks and into Swift

SaaPoK

Look XRP/BTC...

tqlla3k

BTC just dropped from 78.5K to 76.5K in 5 mins. Is there some bad news? XRP and Solana just fell 10%.

djscoox

Clearly this is not a comeback for XRP when the broader crypto market is soaring. A come back would be XRP soaring while everything else stays business-as-usual. Whichever coin you are into, this is ephemeral dopamine. Capital wheel eventually flow out of it because there are no fundamentals.

Taraih

XRP is doing very well for an alt

WorldlySet8958

Really hope you went all in XRP…

WorldlySet8958

I paid $20 for the $1,000 been buying XRP low and selling high over and over and I’m up over 200 in 2 days

Far-Education5778

50%+ on XRP, still waiting for the dip lol

_Cryptonite_

Are you sure your whole portfolio is XRP and you don't have anything else in there?

Sufficient_Row5346

Can someone help me out, people tell me a lot of things. What should I invest in. BTC, XRP, onyx I have 90 in xrp should I transfer to btc or wait or invest more idk how to track idk if it’s gonna go up idk anything I missed out already I don’t want to again

FrabatoTheTransurfer

XRP "investors" have to be the most pathetic group of bagholders in all of finance.

WhtD3vl

Tror ingen kmr bli rik på XRP.. Om xrp skulle öka x50 innan 2030 så hade det varit ett mirakel, Som bäst kanske x10.. Betyder inte att jag inte håller men skulle aldrig få för mig att hålla mer än 10%, Finns utan tvekan minst 5 andra coins med betydligt både högre sannolikhet och trolighet att nå sinnessjuka höjder redan resten av detta året & nästa. Men det är bara min personliga uppfattning & är verken proffs trader eller ekonomisk rådgivare

Fortknightdad2231

I can definitely relate to this, been building the XRP bag for a solid year now, almost sold, like over 10 times probably. This week feels like amazing

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Post is by: badweynumesh1 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1vujqqk/xrp_feels_different_lately_and_i_like_it/ I held through the dead years when nobody cared, when every move felt like gambling, buy the hype, dump on the news, refresh the charts every 20 minutes. This time is calmer. People talk about what it's for, not just price. Institutions are sticking around, not just flipping. Less "wen moon," more steady progress. Regulatory clarity is improving, and cross-border payment use cases are actually happening. Less like a bet, more like it's becoming what it was meant to be. Big shift for me: I stopped trading it. Parked some on Nexo (8%) and OKX (5%) so it earns instead of sitting idle, and I DCA spare cash on dips. Less stressful, not watching charts constantly, just letting the plan run. The recent pump is nice, no complaints. But what's got me interested is it doesn't feel like mania this time. The useful stuff underneath is catching up to the price. Could be wrong. Could be recency bias. Could be what we always say right before it crashes. But right now, I like where XRP is heading *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.*

Greater-Israel

Ι think you do not understand what a scam is, otherwise the USD is also a scam with your definition since it's not gonna be used anyway when Israel annexes USA in 100 years and it inflates too and other dumb reasoning you are using for XRP.

baraco08

We seen this story before “XRP up 20% 5$ here we come !” 60 days later , it’s even lower than before

Intrepid_Interest912

XRP isn’t a shit coin

Dapper_Addition_3837

Onyx, I’m not sure, but for XRP, if it’s useless like many low-IQ crypto enthusiasts claim, why has it consistently ranked among the top 10 coins globally for years, even during the lawsuit period? XRP is probably one of the best old coins out there.

idekwutp

Get a job and invest some money. XRP can 10x and it would barely move the needle

orlenyedie

don't blink on XRP too, pumped 14% in the last 24 hours. Glad that I never sold and kept earning 8% on it at nexo

Sea-Reception-8447

If it makes you feel better, I converted 100 ZEC to XRP right before Z cash popped and I’m under on XRP now. Shoulda woulda coulda…

Jayrovers86

Uh huh. When did you buy a million years ago? lol I bet you’re one of the fools who believes XRP is going to 10kn😭🤣

azzerroo

How come ive paid my house off with XRP ?? its a scam for people like you

Jayrovers86

XRP is a generational scam Both fathers and sons will talk about how they lost everything with XRP

Terver_pulse

XRP will crazily drop mate. My major entry is when it will drop to $0.5

Optimal_Reserve_9649

What do you think k we see XRP at? Seems like this run up is holding for now.

Silent-Inside8488

Does Nancy Pilosi have XRP?

AlternativeHunter543

The top comment asks what happens if it dumps now. Worth knowing what the base rates say, and also what they do not say. I pulled every daily candle across 8 majors (BTC, ETH, SOL, XRP, DOGE, BNB, ADA, LINK) that closed +15% or more. 253 instances. The day after: 57.9% closed red, 30.3% worse than -5%. But the mean next-day return was +0.92% against a +0.21% baseline, and the median was -1.51%. Barbell, not a drift. About one in seven ripped another 10%+ and carried the average by itself. Then I tried to get more specific, because that is exactly the setup we are in now: the pump day was followed by a green day. Across the same sample, the second day after that pattern was green only 41.1% of the time (n=107). Nine points below baseline. That looked like a real edge. So I split the history in half and ran each half separately. First half 38.6%, second half 52.6%. The effect reversed. Sample sizes in the second half are small, but a result that flips sign when you cut the data is not a result, it is a coincidence with good marketing. So I do not have a call for today, and that is the honest answer. What I do have is a note about the first number: after a vertical day, red is the modal outcome, but the tail that pays is fat enough to make the average positive. Anyone quoting only one of those two numbers at you is selling something. Method: daily candles, Binance spot, close vs open on the same candle for the pump day, close to close after.

opensandshuts

Interesting to look at bc presumably, the higher the recent gain in the last 24, presumably the more short interest. I see this less as a chart about winning as a chart about where there is considerably doubt in the market. That doubt can be ranked as follows: 1. HYPE 2. STETH/WSTETH 3. ETH 4. XRP 5. XLM Seems investors are betting most heavily against these.

JustStopppingBye

Ripple and Chainlink are basically polar opposites. Ripple is a private company with shareholders, and XRP holders are not shareholders in Ripple. The company can sell XRP from its holdings to fund its operations, acquisitions and business activities, while any benefit to XRP holders is indirect. That creates an obvious distinction between the interests of Ripple shareholders and XRP holders. Chainlink on the other hand, has increasingly been using revenue to acquire LINK for its reserves, directly tying part of the network's economic activity to the token itself. And as for your 600% XRP trade, congratulations but making money on an asset doesn't prove the underlying project deserved its valuation. XRP's market cap has repeatedly priced in expectations that Ripple or XRP would achieve something extraordinary, yet the actual adoption of XRP as a global bridge asset has never come close to justifying the kind of valuation its community constantly claims is inevitable. You got lucky because you didn’t actually do any research into the company.

etha_an41

Bro just described every crypto investor's diary. The XRP timing is painfully universal.

CounterAdmirable4218

TLDR - paper handed some XRP.

TheRicFlairDrip

I made 600% on 50k invested with XRP in 2 years, i sold near top and im done with it. Both projects are scams to fill the pockets of the guys at the top.

AlternativeHunter543

Since the top comment is asking whether this is a bull trap, here's what the base rates actually say. I pulled every day across 8 majors (BTC, ETH, SOL, XRP, DOGE, BNB, ADA, LINK) where the coin closed up 15% or more on the day. 253 instances. Then I looked at the following day. 57.9% of those next days closed red. 30.3% closed more than 5% down. 13.8% closed more than 10% down. But the average next-day return is +0.92%, comfortably above the +0.21% baseline for a random day. Both of those are true at once, and that is the whole point. The median next day is -1.51% while the mean is positive, because 14.6% of the time the thing rips another 10%+ and drags the average up by itself. The distribution is barbell shaped, not centered. So "is it a bull trap" is the wrong shape of question. Most days after a big pump are red, and the ones that aren't are occasionally enormous. If you size for the average you get run over by the median. If you size for the median you miss the tail that pays. Method: daily candles, Binance spot, up day measured close vs open on the same candle. Happy to be told this breaks somewhere I didn't test.

BrianBBaldwin

I do not understand this, "99% of you will lose" ... true, at different times stocks, bonds, crypto tokens, gold, silver, my baseball card collectibles, the selling price of my home, goes down, maybe if I hold it longer it goes back up, bitcoin goes zigzag, whatever, but untili i sell it at a loss, sell ANY crypto at a lose, only then I have a "loss" but sometimes i do that on purpose to have capital losses which REDUCES the taxes I owe, this is call tax loss harvesting. But even if I sell at a loss, I got SOMETHING, some money put in my checking, for example let us say I bought $300 dollars of JOKERcoin and sold it for $150 and put that $150 in my checking acct, well you can say "Brian lost, he is of the 99% that lost" ... ok, but I did get $150 in my checking acct so I didn't lose all of it, and with that $150 i bought a real nice pair of tennis shoes for my vacation so ... if you account for inflation, and having nice shoes, hmmm, maybe you should not count me as loser. Anyway, JokerCoin went down, but my LaughCoin went UP, in fact my $700 of LaughCoin went up to a balance of $1,240 and yahoo. I suppose when you say "99% of you will lose" means lose EVERYTHING. Well I've been in crypto A LONG TIME and I NEVER lost "everything", in fact I've made out like a bandit LONG TERM, selling when I see 'em peaking, buying on lows, overall up way over 1000% ... the only problem is taxes. Now that's a problem. Have i lost here and there? Sure. So I guess i'm the 99%? I bought NVDA when it was below $30, now it's $218 per. $218 is DOWN from my highs of ... wait... that is pretty high. Maybe NVDA dipped, so I guess on last week I "lost". But even that last week price is WAY higher than $26. But... hmmmm.... no. Now it's a GOOD time to buy Quantum Computing. And Nuclear Power. And Drones... And Bitcoin. And XRP.

VendettaKarma

And in today’s Crypto news: Data leaked to dark web! Cold storage unsafe! Hackers drained an entire blockchain! XRP still isn’t at $30,000! Come back tomorrow and we can almost guarantee it’ll be the same.

JustStopppingBye

Is this your new stance since you gave up on XRP? Remember when you DMed and admitted XRP was trash?

TCr0wn

Idiots like you is why they buy link and XRP

OBEACHIBIZA

XRP also making major deal in Asia

OBEACHIBIZA

XRP good news which has knock on effect for whole crypto market

OBEACHIBIZA

Add XRP to that and you have another 5-6% gain for today

Timovic9

XRP to the moon

Purple-Wall3847

Fwiw The Simpsons predicted that XRP would be a popular future currency, and Matt Groeing has some unusual ties to the shady elites.

AlternativeHunter543

Tangent on the "structure doesn't care" part, since it's something I measured recently instead of assuming. I took 9,000 hourly ETH candles (about 375 days) and grouped every candle by hour of day. Average absolute move per candle is nowhere near flat: loudest hour (14:00-15:00 UTC) 0.66%, quietest hour (10:00 UTC) 0.31%. That's 2.11x between them. Same test on the others: BTC 2.09x, SOL 2.04x, XRP 1.94x. The absolute volatility of those four is wildly different, but the ratio between their loudest and quietest hour is almost identical, which suggests it isn't a property of the coin. It's the same participants showing up and leaving at the same times. Where it bites on structure reads: a level tested at 10:00 UTC is being tested by roughly half the activity of one tested at 14:00 UTC. It can look respected on the chart and just be a thin sample. Same line, very different amount of evidence behind it. I split the year in half and re-ran it on each half separately before believing it, and the two loudest hours held in both halves.

ZealousidealMonk1728

XRP went from 50 cent to 3,5 USD last bull run? What exactly are you complaining about? It didn't occur to you to sell? I am not sure why most people in this subreddit are so completely cluesless? It's really not rocket science.

JimmySki6166

No XRP!! Ripple is releasing 1 billion new tokens the 1st day of every month! The price will never go up!

PuttForDough

Bitcoin is indifferent - XRP on the other hand would be fucked good and proper

liquid_at

I like all things to be perfectly balanced, so I put the profits I took on dogecoin back at \~70c and put them into XRP at $1.50.... Personal advice: Crypto is one asset class in the markets and when it is time to sell one, it is never time to buy another. Wait for the correction.

Holiday-Bonus-6149

XRP doesn’t have much upside potential in my view Even if you plan to hold it for several more years I wouldn’t expect the kind of price movement needed to generate significant returns So relying on XRP alone to make substantial profits would be difficult especially since it has already pulled back considerably from its peak

Dangerous-Bed-5885

BTC is pointless now. Could swap that for like 2,000 XLM or some more XRP, or a crap Ron of HBAR. Maybe even get 1.5 TAO

Donut_Dogs

XRP is the biggest noob trap ever made. Unbelieveable amount of idiots who put money into it after reading all the propaganda

BrilliantLazy9882

XRP will never be used as a "universal bridge assett" because banks will not accept any untethered, price volatile crypto as a bridge asset anywhere. Ripple doesn't use XRP coin on the XRP ledger at all. Only stablecoins are used. It's not used for anything but funding Ripple and making Brad Garlicmouth a 9 x billionaire. You buy it. He sells it for fiat dollars then buys himself stuff. He just married a beautiful new hottie, bought a 100 million dollar house, and about 3 Lambos, but then, he never even said thanks fellers, for all the free shit he got for his own benefit, but paid for by XRP investors. Blows my effn mind.

Radiant-Age-3590

Sell now. XRP will NEVER reach $2 again. It's a SCAM. Mark my words.

MrDiamondHands67

bro on x drove his XRP aston into a puddle and beared

BrianBBaldwin

Thanks for sharing this interesting chart! Please also add XRP to this type of chart, even if XRP faced various "legal" issues that can skew the perspective. What sort of stands out to me is the "feel" about Dogecoin, I had hopes in it and actually I think it was "driven" by the same "inspiration" in the success and vision of Elon Musk. I still feel a lot of "inspiration" in Elon, and adding shares of SPCX into my equity portfolio, but am not really a Dogecoin buyer anymore, in fact I am sort of looking at Dogecoin as part of my "tax-loss harvesting" strategy in terms of the 2026 tax year and the 1099-DA. And speaking of the 1099-DA, I think taxation of crypto capital gains and loss has absolutely played a role in how people feel about crypto "trading" 2021 vrs 2026 - many made HUGE GAINS in the previous years then "felt" the downward pull so SOLD to "collect" the "gains" (taxable event) and actually "took" big money, but then were SHOCKED at the amount of taxes they ended up paying. This in itself was such a shock - even though it shouid have been obvious - that they became "shy" about selling. Or shy about even buying. This also, I think played a big role in how "investors" felt about crypto. And some outfits, like Coinbase, then started offering "incentives" NOT to sell, in return getting good interest rates even though that gens a 1099-INT or -MISC. BUT ... nevertheless, "we" are still here, "out there", we have huge expectations for and about crypto, we are NOT leaving, cryptocurrency still is a longterm "bucket" in my "portfolio" and I am a buyer and will be "to the end", we are just "smarter" in approach and "just be patient" perspective. Smarter. Patient. It will grow. No stopping. My only suggestion is better tax "reform" on crypto, instead of the current 1099-DA repace it with a 8% FLAT TAX on GROSS PROCEEDS only.

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Post is by: Somening and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1vrmqx6/first_time_investing/ I want to invest €650 which coins should i buy ? I was thinking €350 BTC, €150 ETH, €100 SOL, € €50 XRP. Is this a good investment, if not what should i change ? *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.*

Reasonable_Big5177

XRP and sui = loosing money for sure

spencerocean

I bought and sold XRP in 2017. Sold it for $2.23 on a nice 10x pop XRP has been spewing the same BS for over a decade now. I feel bad for the noobs that don’t understand

Jenn2895

I know. I always try to explain why XRP can’t go as high as Eth or Btc by explaining the difference in supply & they won’t hear it. Any mention of market caps will get you called stupid. & they just say the wildest stuff that’s so easy to fact check, but won’t. It’s a cult. Influencers did a good job brainwashing them & convincing them not to listen to anyone else. Even when they will admit themselves they know anything about crypto &/or are new. It’s wild.

EnronCheshire

XRP crowd is the most delusional I've ever seen, truly scary stuff. As it's plummeted all year I know people with thousands in it still buying. Just bonkers. And yes, it's all the trump stuff that isn't even true!

Gnosis87

XRP is a psy-op. If you didn't make money from buying XRP back in 2017 when it was under $0.01 a coin then you've missed your chance. You ain't gonna make that much money holding a top 5 coin. You're effectively just a bag holder at this point for Ripple.  If you want to position yourself into a coin that you can actually make good returns from them I would point you towards SHx or ZBCN etc 

MCL-Jonathan

For a first crypto portfolio, I’d personally make **Bitcoin the clear majority**. I’ve been through multiple cycles, makes perfect sense to have higher Bitcoin allocation, otherwise holding anything else you will round trip. Allocate something like: **70–80% BTC** **10–15% ETH** **5–10% SOL** **0% XRP / SUI for me** Why heavier Bitcoin? Because it has the strongest track record, deepest liquidity, clearest market cycle, and the lowest chance of simply disappearing versus smaller crypto assets. I’d also split BTC into two bags: **1)HODL bag** \- long-term, ideally untouched. **2) Swing bag** \- accumulate during the bear market, take profit near the next major cycle top. For ETH/SOL or any other altcoins, I’d treat them differently: **I would plan to sell most or all near the next Bitcoin cycle top and rotate profits back into BTC or cash.** And with Bitcoin still in a bear-market zone, I’d personally be buying more now through DCA rather than waiting for everything to feel bullish again. Good luck 🍀 [Bitcoin Bear Market DCA Playbook](https://youtu.be/JXvr49ECTuo)

_Underscore_Unders

I prefer lottery tickets over XRP.

Infinite-Office-7927

XRP is 💀

Suitable_Acadia_190

Minus the XRP yes (NFA)

Only-Environment7550

Big difference, but the primary is their target audience: XRP is built for big banks and institutional settlements via Ripple, while XLM (Stellar Lumens) focuses on individual users, peer-to-peer transfers, and financial inclusion, like us the poor...so yes you are diversifying when having both in your portfolio.

Jenn2895

That is not true. Trump owns $1B in **crypto**. Not $1B in XRP. He does NOT own any XRP. Where on Earth do you guys come up with this stuff? & does no one bother to fact check?

Jenn2895

You need to know when to cut your losses. I don’t see how XRP can recover. Ripple dumps 1 BILLION tokens every month. & by next bull run it’s going to be very very obvious that banks are not using them.

Jenn2895

But by next bullrun it’s going to be abundantly clear no banks are using XRP. There’s not going to be anyway to hide that since banks already started moving on chain & announced they are using their own private blockchains + Chainlinks services. On top of that the supply will be much higher since Ripple dumps 1 billion tokens every month.

Jenn2895

Think XRP needs a category of its own \~ It’s a cult coin.

Jenn2895

Faith? In what? Banks are not using XRP. Some use Ripples software, but that only benefits Ripple, not the XRP token. Everyone you have been listening to has been lying to pump their own bags. They probably bought 10yrs ago & were hoping to finally break even. So much lying going on in the XRP cult. It makes me sick. Here’s the facts: XRP has a max supply of 1 BILLION tokens. Only 2/3 are circulating. They dump 1 BILLION tokens on you bag holders every month! & the market cap is already like $70 BILLION. Most banks already announced they are using their own private blockchains & partnered with Chainlink for their patented CCIP & CRE services. The tokenomics are terrible. The market cap is already way to high (at best *could* maybe see a 5-10x) doubt it though. The community is filled with liars & shills. That don’t teach you the basics & fundamentals so you keep holding waiting for XRP to go to $589 so they can use you as exit liquidity over & over & over. If I was in your shoes I would swap XRP for a different project before the next bullrun. But you need to have reasonable price targets for any token or you will keep getting used as exit liquidity.

TheDigitalPoint

…which would give XRP a market cap of a quadrillion dollars. So ya, no.

Mulvita43

This is why XRP can easily be 10k a coin