XRP

SnooTigers9000

AMEN - This man speaks with conviction and truth. XRP is the chosen one! Don't believe? Just watch :)

ThreeTonChonker

This the same guy that took a huge chunk of XRP, called it a loan, then apologized?

JustStopppingBye

>Perhaps meaningless to you because you don’t understand the meaning, but it means the XRPL although has it’s own native oracle **the XRPL can use any oracle, it is not a closed system, it is oracle agnostic.** ??? So how does XRPL use chainlink? >Not every chain can use whatever oracle a developer wants to plug in, with the XRPL a dev can use what oracle they want, whether it is Band, DIA or others, that is the point. /whooosh You already claimed the same argument above but neither can XRPL lol How does XRPL use chainlink? >Wrong. David, Arthur and Jed created the XRPL and XNS (what is now called XRP) under the project OpenCoin. Chris Larsen did not come along until nearly 2 years after and startup Ripple. You forgot the other half the argument where I explain why. *They funded and guided XRPL’s early development, have historically exerted significant influence over validator participation and still dominates the ecosystem economically.* >Ripple has zero authority over any validators, Ripple has zero authority over who participates with the XRPL, the XRPL is public, open source and decentralized, it is permissionless and has no central authority. False. Ripple historically ran and funded a large portion of validators. They also curated and recommended the default UNL (Unique Node List) that most participants used. >Says the one who has blatantly shown they don’t know what they speak of in regards to Ripple, XRPL and XRP.  Then listen to the CIO of swift, which is an[ organization owned, operated, governed and used by 12,000 banks](https://imgur.com/tr9Spob)

FrankSlipHelp

>Saying “XRPL is oracle-agnostic” is meaningless unless you address who provides the oracle data, under what trust assumptions and how it’s secured. Perhaps meaningless to you because you don’t understand the meaning, but it means the XRPL although has it’s own native oracle the XRPL can use any oracle, it is not a closed system, it is oracle agnostic. >Literally every chain has an oracle pulling off chain data, this isnt some accomplishment lol Not every chain can use whatever oracle a developer wants to plug in, with the XRPL a dev can use what oracle they want, whether it is Band, DIA or others, that is the point. /whooosh >Exactly, Ripple holds a massive portion of XRP, markets it, sells it and ties its narrative directly to XRP’s relevance. You can’t simultaneously benefit from XRP’s liquidity, brand and speculation and then pretend Ripple has zero responsibility to the ecosystem lol You are now conflating xrp holders with ecosystem. The only responsibility Ripple has is to fulfill it’s promise to the 3 original devs to develop on the XRPL and help foster it’s growth. >Ripple absolutely had a part in the creation of XRP. Wrong. David, Arthur and Jed created the XRPL and XNS (what is now called XRP) under the project OpenCoin. Chris Larsen did not come along until nearly 2 years after and startup Ripple. >They funded and guided XRPL’s early development, have historically exerted significant influence over validator participation and still dominates the ecosystem economically. Ripple has zero authority over any validators, Ripple has zero authority over who participates with the XRPL, the XRPL is public, open source and decentralized, it is permissionless and has no central authority. >You’re hiding behind technical decentralization semantics to avoid acknowledging practical control and influence. You are not hiding you don’t know what you don’t know yet have the confidence that your know wtf about wtf. >Just because you invent a narrative to support your point doesn’t make it real. Yet here you are doing exactly that, creating narratives based on your own ignorance. >Youre absolute doofus, with a Grade 5 level understanding on blockchains. What do you expect when your get your news from twitter and Ai. Says the one who has blatantly shown they don’t know what they speak of in regards to Ripple, XRPL and XRP. Level up, do better and think before you speak about a topic you can’t grasp. The truth is available, no need for you to regurgitate assumptions.

Alfador8

XRP 😂😂😂😂 Why would institutions use an exogenous centralized shitcoin when they can make their own?

PapaCryptopulus

I know it's hard for some to wrap their head around what's happening but it shouldn't be that hard. Btc and Eth are at the price they are with not nearly the utility or use case that Ripple has been building for XRP. There's no reason that it doesn't sore past $10-$20 in the coming months and that's just the beginning Tokenization, RWAs, Cross Border, Liquidity Do your homework!

R4ID

>I accidentally called the token owned by the company its not "owned" by the company. thats the issue, you cant differentiate between the two because you lack the basic knowledge of the topic. > I've made a huge mistake and nobody was able to decipher what I meant the problem is if we apply "XRP" instead of "Ripple" like you said, you'd still be wrong... so its not even about people not being able to "decipher" ur just wrong on both accounts and now ur doubling down on being wrong again...

PapaCryptopulus

All these hyped up blockchains have flaws. That's why XRP is king and will lead the future of blockchain and finance

JustStopppingBye

>No, you see it as one coin will rule them all, one ecosystem to rule them all, that is not reality, interoperability is what the XRPL is about, has always been that way, it’s been an ethos of David Schwartz since the beginning. I will give an example, the XRPL is oracle agnostic. Even though the XRPL has a native oracle built in, it allows any oracle to be plugged into it to be used by any developer that wants to use what they want to use. Saying “XRPL is oracle-agnostic” is meaningless unless you address who provides the oracle data, under what trust assumptions and how it’s secured. XRPLs native oracles are a joke, lack basic functions and secure almost nothing at the protocol level today. Irrelevant to even address and bring up. >This interoperability strengthens the use case for XRPL, there is no zero-sum game attitude, that would make the ecosystem closed off, you thinking interoperability as not being an actual argument for a broader use case is just weird. Literally every chain has an oracle pulling off chain data, this isnt some accomplishment lol True interoperability is being able to speak to other chains, which XRPL uses axelar for (which is a centralized scam). >Ripple owes nothing to holders of XRP, they too are holders of XRP, so am I, do I owe you something!? To think Ripple owes anything to other holders shows a vast misunderstanding of what Ripple is to the XRPL and XRP. Exactly, Ripple holds a massive portion of XRP, markets it, sells it and ties its narrative directly to XRP’s relevance. You can’t simultaneously benefit from XRP’s liquidity, brand and speculation and then pretend Ripple has zero responsibility to the ecosystem lol >Ripple uses the XRPL and XRP for their use case like any other company that develops on the XRPL. You seem to be under the assumption that Ripple created the XRPL and XRP, controls the XRPL and issued XRP, they didn’t. Your arguments are built on a misunderstanding of what is reality. Ripple absolutely had a part in the creation of XRP. They funded and guided XRPL’s early development, have historically exerted significant influence over validator participation and still dominates the ecosystem economically. You’re hiding behind technical decentralization semantics to avoid acknowledging practical control and influence. >No, you thinking chains that are not primarily used for remittance are competing with a company that offers enterprise software to their clients using a remittance chain is what shows me you are the one confused. This is pure confusion. Chains don’t compete with companies, they compete with infrastructure. If another stack can do settlement, messaging, atomic DvP/PvP, tokenization and compliance without XRP, then XRP is competing whether you like it or not. Just because you invent a narrative to support your point doesn’t make it real. Youre absolute doofus, with Grade 5 level understanding on blockchains. What do you expect when your get your news from twitter and Ai.

steebulee

Simple trick, ask him how his XRP holding are doing. He’ll try and have a dick measuring contest with you not realizing he came with a micro-penis lol

hulkwolf

People forget about that. The btc maxis HATE XRP but Satoshi was always fond of it

FrankSlipHelp

>The ‘zero-sum game’ line is just an AI talking point recycled by other XRP cultists pushing low effort slop, not an actual argument. No, you see it as one coin will rule them all, one ecosystem to rule them all, that is not reality, interoperability is what the XRPL is about, has always been that way, it’s been an ethos of David Schwartz since the beginning. I will give an example, the XRPL is oracle agnostic. Even though the XRPL has a native oracle built in, it allows any oracle to be plugged into it to be used by any developer that wants to use what they want to use. This interoperability strengthens the use case for XRPL, there is no zero-sum game attitude, that would make the ecosystem closed off, you thinking interoperability as not being an actual argument for a broader use case is just weird. >And yes, of course RLUSD profits go to Ripple, that’s exactly my point. Ripple continues to monetize around XRP while XRP holders get nothing but marketing narratives. Ripple owes nothing to holders of XRP, they too are holders of XRP, so am I, do I owe you something!? To think Ripple owes anything to other holders shows a vast misunderstanding of what Ripple is to the XRPL and XRP. >If XRP is supposedly central to the ecosystem, it’s odd how every revenue generating product bypasses it entirely. Saying ‘why would profits go to XRP holders’ exposes the problem lol You’re defending a structure where the company wins and the token is optional. Ripple uses the XRPL and XRP for their use case like any other company that develops on the XRPL. You seem to be under the assumption that Ripple created the XRPL and XRP, controls the XRPL and issued XRP, they didn’t. Your arguments are built on a misunderstanding of what is reality. >You’re confused about how XRPL is competing with other chains and seem to think ‘different use cases’ means XRPL has no competition, which is a fundamental misunderstanding of how blockchains compete. No, you thinking chains that are not primarily used for remittance are competing with a company that offers enterprise software to their clients using a remittance chain is what shows me you are the one confused.

JustStopppingBye

The ‘zero-sum game’ line is just an AI talking point recycled by other XRP cultists pushing low effort slop, not an actual argument. And yes, of course RLUSD profits go to Ripple, that’s exactly my point. Ripple continues to monetize around XRP while XRP holders get nothing but marketing narratives. If XRP is supposedly central to the ecosystem, it’s odd how every revenue generating product bypasses it entirely. Saying ‘why would profits go to XRP holders’ exposes the problem lol You’re defending a structure where the company wins and the token is optional. You’re confused about how XRPL is competing with other chains and seem to think ‘different use cases’ means XRPL has no competition, which is a fundamental misunderstanding of how blockchains compete.

FrankSlipHelp

The truth is crypto is not a zero-sum game, not sure why you believe Ethereum is a competitor when the two chains have very little similarities and are used for vastly different use cases. Of course any profits from RLUSD goes to Ripple, the company that created and issued that coin, why would any of the profits go to XRP holders? Makes zero sense to say such a thing. You have a long road of understanding ahead. I am not coping, coping about what? I understand what Ripple is to the XRPL and XRP, and I understand my gains since 2016 are impressive af.

Dangerous-Brother-98

Is ripple still a scam or XRP? 🤣🤣🤣🤣

scared_of_crypto

I got banned from XRP and WSB because I told people they are going to loose it all. When xrp started getting posts like " I'm down 10k so I bought 100k more", its on sale etc etc early 2025 that was a sign. Crazy part is some people and whole CT is still saying bull run is imminent.

Dazzling_Marzipan474

RipplePay is XRP's old project? And you think Satoshi would approve of XRP?

R4ID

> Ripple = dogshit that happens to be centralized. Ripple = a Company. it isnt a DAO, its never claimed to be a DAO or a decentralized org/company. If you meant to say XRP then ur mistaken twofold as you have the wrong name and dont understand how something is decentralized.

R4ID

Well Ripple is a Company. XRP is the crypto, so maybe start there.

R4ID

> With a company that just mints coins for their bags whenever they want? https://github.com/XRPLF/rippled/commit/f0e3383856a8923e55b0f10e7822de9031b7159e Here is the code that created the 100 Billion XNS (later renamed XRP) You'll see its dated june 2nd 2012. There have been a grand total of ZERO additional XRP ever created since this date. Ripple Doesnt Mint, create, spawn, mine Any New XRP. They locked up their own funds and what is being unlocked back to themselves is the same funds. You couldnt be more Incorrect in your understanding of BASIC entry level concepts like this.

Rey_Mezcalero

Sorry but we’ve heard this over and over again with XRP. Hope you do well but the “better buy now or be sorry” bit has been so overplayed with XRP. Its been one hyped mirage after another

FrankSlipHelp

Many tokens can be used on the XRPL, but regardless of what token is used, XRP is the coin that is used as well. XRP is not a token, it is a coin, the native layer 1 coin used in order for the XRPL to function. You can not open a wallet on the ledger without XRP, you can not open or close a ledger without XRP being used, any value being moved on the network involves XRP.

FrankSlipHelp

>They literally compete in the stablecoin market, regard. Circle is native on 22 blockchains including the XRPL and can be traded on the XRPL without even having to touch XRP(thankfully for them). g involved. Any transaction on the XRPL uses XRP, the reason is because XRP is the native layer 1 coin of the XRPL, the XRPL can not function without XRP being used.

FrankSlipHelp

>RLUSD first, XRP not mentioned. Ouch. I understand and can see you don’t know what you don’t know, the reason this is big for RLUSD is because of regulation and compliance. >first for $RLUSD, setting the highest standard for stablecoin compliance with both federal (OCC) & state (NYDFS) oversight. XRP does not have oversight. XRP isn’t tied to any single country, issuer, or banking system (the X in a ticker like XRP, XLM, XDC represents no single country, issuer, or banking system), and stable coins like USDC, USDT and RLUSD are issued by companies under U.S. or other jurisdictions, this adds counterparty and regulatory risk and why they operate under regulations and oversight. Each stablecoin token represents a claim on Circle, Tether or Ripple’s reserves and must operate under their respective regulatory obligations, that is counterparty risk a native asset like ‘X’ assets do not have, when XRP is used the sender holds it, they directly control it on chain via their keys, there’s no redemption promise, no issuer, and no entity that can freeze or revoke it, therefore no counterparty risk. USDC/USDT/RLUSD adds counterparty and regulatory risk because it depends on an issuer’s compliance and solvency and XRP does not because it exists independently of any central authority. To you, you see no mention of XRP and that must be a negative in your head. The truth is there is no reason to mention XRP because the whole statement by Brad is about regulation and compliance of their stablecoin, the asset they own and issue. Ripple did not create XRP, nor have they ever issued it, they do now ‘own’ it. To speak of XRP in this statement would make zero sense because XRP does not have a central authority to regulate.

FrankSlipHelp

XRP is the native layer 1 coin of the XRPL, in order for the XRPL to function, XRP must be used.

FrankSlipHelp

It can’t be dirt cheap. That doesn’t make any sense. If XRP costs $1, they’d need a million XRP which would cost $1 million. If XRP cost a million dollars, they’d need one XRP which would, again, cost $1 million. Except that higher prices make payments cheaper. Right now, you can buy a million dollar house with bitcoins. When bitcoins where $300, it would move the market too much and be too expensive to be practical. So higher prices make payments cheaper. David Schwartz CTO of Ripple and co-creator of the XRPL and XRP ~ https://x.com/joelkatz/status/932748963526066178?s=61

Illustrious-Boss9356

Yes you're right. One preserves your wealth behind a decentralized PoW network running at >1 Zettahash. And one separates you from your money by allowing you to gamble. Also, Hyperliquid tokens don't benefit from the network. Just like how XRP doesn't benefit from RippleLabs' cash flows. I'm agreeinf that Hyperliquid has tremendous value as a network, the token, not so much.

FnCraig

As Yale economist Gary Gorton notes, "Ripple and XRPL are not the same entity".[1] Shortly after the XRPL was launched, McCaleb, Britto and Chris Larsen founded the company Open Coin in September 2012 to operate on the ledger. On September 26, 2013, OpenCoin officially changed its name to Ripple Labs, Inc and was at the time headed by Chris Larsen. Unlike many cryptocurrencies, XRP was pre-mined, with 100 billion tokens created at inception.[8][15] The XRPL founders gifted 80 billion XRP, the platform's native currency, to Ripple Labs.[4] Ripple Labs holds a portion of XRP and periodically releases tokens into circulation through sales, aiming to maintain market stability. XRP Ledger - Wikipedia https://share.google/8cvIkC6gkSXCVBvoE

iamhumansoareyou

Lolol you also buy XRP? Dude you must be so rich

aistreak

If I were trading frequently, I’d pick HBAR as it has lowest fees. So: 1. HBAR 2. LINK 3. XRP Each of these 3 have ETF’s and utility.

aistreak

Even for trading, I’d pick ones with utility, relative high upside potential and low downside. I’d measure the latter with market caps: Eg: XRP sits at $120B marketcap. That’s VERY high for a crypto that’s not ETH or BTC. We could see it drop down to 5-10B on bad news, losing 95% of its value. Whereas for upside, highest I see it reaching is ETH’s market cap, which sits at 375B. So 3X upside potential. It carries high downside, low reward potential. In crypto, if your coin can’t 10x or more, it’s not high reward. XRP is going live with its first bank license, but the adoption there.. well it’s just one online bank so far. It has plenty of competitors who are looking to modernize as well, albeit perhaps not with a direct competitor like XRP. LINK, on the other hand, has high upside potential and low downside potential. Downside, on terrible news it could hit 5B marketcap, a 40% reduction in value. Upside, from its 9B marketcap, should it reach ETH’s marketcap, that’s 39X. Relatively, that’s low downside, high upside. Does it have a path to get there? Unlike XRP, LINK isn’t trying to become a bank. Instead it’s focused on infrastructure and its adoption is rising fast. Relatively recently, It’s partnered with Swift and indirectly the 11,000+ banks that adopt Swift. Then there’s the DTCC, which has trillions flowing through it. Unlike XRP, LINK isn’t married to banking. It’s supporting the entire infra for crypto. So going back to original question. If I were to trade a coin, I’d prefer some stability with monster upside potential, like LINK. I would be wary of ones with market caps that look overvalued, as they could wipe out over 90% of their value on bad news. As always, DYOR NFA.

steebulee

I’m gonna transfer it all to XRP. You’ve convinced me. Here’s some more emojis 😂🫣😂🫣😂🤣🤣🤣. Oh man you have a great weekend. My belly hurts from all this laughter.

steebulee

😂😂😂😂😂 it’s second hand embarrassment for you hahhahaha. We found the XRP rich unicorn ladies and gentlemen 😭😭😭😭😭😭😭

Extra_Ad8616

I mean you lucked out by being embarrassed by me. My XRP gains alone worth more than your entire portfolio

steebulee

Hahahaha I feel so lucky phew! Everyone I want to publicly apologize. Bitcoin is worthless trash and this guy got crazy XRP gainzzzzzz 😂😂😂😂😂 I really dodged a bullet

steebulee

Hahahha….you’re the one wanting to compare but I have to go first? Broke man can’t even fulfill his broke XRP end lolllll

Hidden5G

Sure, stack your sats and call it “digital gold”…but meanwhile XRP is actually being used. Ripple just got a banking charter, Amina Bank integrated Ripple payments in Europe, and regulators are approving tokenized settlement systems with XRP explicitly named. BTC is and ALWAYS will be a speculative, whale driven toy propped up by hype cycles and whales, useful only if the next crowd pays more, which it relies on. You know it. FACT. XRP has been the “banker’s token” for over a decade, solving the real plumbing of global finance something Bitcoin will never, ever ever claim. When regulations arrive, decoupling will begin. The Beta Test Coin can continue to play it’s speculative games while true Utility tokens will lead the way.

Hidden5G

Oh, bless your outright ignorance and attempted dedication to rewriting history. XRP was created in 2012 by Jed McCaleb, David Schwartz, and Arthur Britto…years before Ripple Labs even existed. Ripple didn’t ‘gift’ itself anything..they acquired some XRP later to operate their network and fund development. So if you want to keep parroting that narrative, maybe check the timeline first..your hot take is a decade late and completely off.

Kind_Soup_9753

I think we will transact with alt coins like XRP or lightning but governments will likely mint their own tokens for domestic use to maintain control, and stable coins will likely be used to transact internationally. BTC will be the gold of our time and store value for generations to come. BTC returns have destroyed all other returns I have made with any other crypto. No comparison. It’s a long term game that’s trending in the right direction and has never really stagnated anywhere.

Hidden5G

Sure, enjoy your trading wins, but the price alone doesn’t tell the story. XRP just got a major boost..Ripple received conditional approval for a national banking charter, and Amina Bank became the first European bank to integrate Ripple payments. These are regulated, institutional milestones…real utility requires rules, something Bitcoin can’t EVER claim. Laugh at the price if you want, but XRP has been the banker’s token for over a decade, and today it’s building the rails for the next generation financial system. Btw…keep obsessing over the $2 price. Meanwhile, once regulations actually land, the real utility tokens like XRP take the front stage, leaving the whale-driven, hype and next buyer reliant circus coins like Bitcoin to play in their own corner. The gambling stops, the two worlds split, and only the true utility tokens built for real financial infrastructure actually will matter.

Extra_Ad8616

I mean I wouldn’t say it’s worthless and we can go band for band I bet my XRP made me more money than bot coin made you 😂😂

Kind_Soup_9753

A massive boost? lol it’s 2.01 USD. I bought it at 33 cents and sold most of my bag at 3.45 flipped it into a local Ai server and the ram has gone up more than the rest of my XRP. I still have enough to be happy if it moves again but we may have seen the peak. BTC on the other hand is 95% of my crypto and it’s on sale I’ll keep stacking Sats. Add an off shore account that accepts BTC to international credit card and you have hedged your one basket will all investments and cash in it with a solid back up. Hold on to your seat cause the rocket is lifting off miss it if you must.

Hidden5G

Nice hype, but none of that changes reality. Bitcoin may be resilient, but resilience isn’t utility. It still can’t settle real world institutional payments, reduce liquidity friction, or plug into banking systems. FACT. Meanwhile, XRP just got a massive boost with today’s news..Amina Bank, a fully regulated European bank, integrating Ripple payments. XRP has been the “banker’s token” for over a decade, building real institutional adoption that Bitcoin can never, ever claim. Keep coping.

binary_quasar

Wow. Omg. My eyes have been closed for my entire decade in this space....how could I have ignored this!? >Ripple owns, hidden road, metaco, rail, and many other financial institutions. Clearing houses. Lending. Payments. Stable coins. Paxos was one of the first RWA providers and is also providing custody, lending, clearing, so you're wrong. Ethereum and Solana already have >Circle is a one trick pony. Buy t bills and get paid interest. Paxos and fidelity have no innovation, and don’t have their own block chains. >They are literally not competitors in any way Circle is native on 22 blockchains **including the XRPL** and can be traded on the XRPL *without even having to touch XRP*(thankfully for them). If USDT had the ability to be independently audited and become more compliant, they might have a shot, but USDC is the second largest stablecoin by market cap and is compliant with U.S. laws. the head start they have against every other competitor is massively. Incredibly massive. Let me ask you this - if USDC is native on 22 blockchains and can be used on the XRPL **without needing XRP**, why would anybody use RLUSD and how does this help the XRP token? Why wouldn't people use the independently audited familiar stablecoin USDC that can be sent easily to other chains and remain as UDSC and instead use RLUSD? >The XRPL is the ONLY THING that can connect all of those businesses and allow for free and easy transfer of stable coins. XRP can act as a bridge asset for liquidity between stablecoins, you do not have to hold/consume XRP just to transfer a stablecoin like USDC because the instituitions that want to partner with Ripple, don't want to touch XRP because they don't have to, it's dogshit, and would add unnecessary risk. More and more they are making it so they don't need to hold or interact with XRP the transaction sablecoins on the XRPL, because that's literally almost every one of them want. There is very little institutional demand for the XRP token, but there are people that want to explore Ripple's remittance capabilities, just without the XRP token being involved.

steebulee

Probably your worthless XRP 😂😂😂

binary_quasar

I think it's hilarious that this is **obviously** for RLUSD and not XRP for one And also that Circle(USDC), Paxos, and Fidelity ALL GOT THE SAME GREEN LIGHT AS RIPPLE. You xrp folks love to only hear what you want and ignore everything else. It doesn't mean that they chose Ripple specifically and exclusively, quite the opposite. Circle's USDC is going be the top dog in this space without a shadow of a doubt.

CryptoNerdSmacker

This deal basically just linked ETH and XRP to ACH directly via RLUSD. From ACH they’ll Segway into FES, etc. Huge news for XRP and ETH. The upward pressure on them from RLUSD will be substantial.

UC_DiscExchange

Can you show us where in the open source code they can mint new XRP? I'll give you a whole Bitcoin if you can.

UC_DiscExchange

What exactly do you believe makes the XRP protocol centralized considering no single party has any control over it?

libretumente

Barf. XRP is the antithesis of Satoshi's vision of crypto with it's centralization and exorbitant premine.

Romanizer

XRP is Ripples exit liquidity.

hanstoppable

How is XRP not soaring at this news in particular

partymsl

My XRP stack will like it, literally my only good investment this bull market.

JustStopppingBye

Heres Bradley Garlinghouses official statement: [https://x.com/bgarlinghouse/status/1999514993977622691](https://x.com/bgarlinghouse/status/1999514993977622691) >*HUGE news! Ripple just received conditional approval from the USOCC to charter Ripple National Trust Bank. This is a massive step forward - first for $RLUSD, setting the highest standard for stablecoin compliance with both federal (OCC) & state (NYDFS) oversight.* *To the banking lobbyists – your anti-competitive tactics are transparent. You’ve complained that crypto isn’t playing by the same rules, but here’s the crypto industry – directly under the OCC's supervision and standards – prioritizing compliance, trust and innovation to the benefit of consumers. What are you so afraid of?* RLUSD first, XRP not mentioned. Ouch.

KlearCat

I don't have XRP. But any monetary currency needs to be exchanged to local currency. Euros are useless to me as an American in the USA for purchases. I can't go to the store and buy milk with Euros. Hell there are some currencies that I couldn't even exchange at the bank, literally totally useless to me. But they are still currencies.

fistfucker07

The entire comment section is butthurt losers paid to shit on XRP. They’re all so sad. A fed master license is coming. And will be transformational. Not buying xrp right now will be the biggest mistake of your life.

BlubberWall

Satoshi was a fan of RipplePay (XRP’s old project name) which was always aimed at integrating into the financial world. There’s plenty of projects and shit coins im sure he would detest now, but ironically ripple (and probably this move) is not one of them

coinfeeds-bot

tldr; Ripple Labs has secured a Federal Banking License in the USA, enabling it to operate as a bank powered by blockchain technology. This marks the creation of the first 100% crypto-native bank, offering faster transactions, lower costs, and easier credit access. Ripple's USD-backed stablecoin and blockchain efficiency could make it a major competitor in banking. The move is expected to accelerate crypto adoption and boost XRP's value, Ripple's native cryptocurrency, as it plays a key role in transaction fees on the XRPL blockchain. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

glizzy_goblin710

Regardless, better to diversify than have all my eggs in the XRP basket :)

he34u

XRP

Interesting-Power-69

Why do you guys keep misspelling XRP? Anyone ever teach you letters?

obolli

Note this isn't trading advice, none of what I write or share is, it's just following whales. Also it's quite important to note that whales of his size can't trade in smaller altcoins because they don't have enough liquidity. And I know XRP is fairly large, but comparably speaking it lacks the volume.

glizzy_goblin710

Well that settles it I was thinking of diversifying my crypto portfolio a little today buy selling some XRP and adding some ETH lol, guess I’ll go through.

jawni

Lets stop pretending as if they're even remotely comparable. Solana is a massively successful chain, has tons of developers building on it, tons of users, has good projects in every important area of crypto. XRP has none of that.

PapaCryptopulus

Bitcoin is useless and everyone knows that so they started shilling it as a "store of value" to keep it relevant. XRP is succeeding at Betacoins white paper. Once they receive their banking license and the Clarity Act passes it's game on

nomoney110

To be honest, it would be best if Sol and XRP disappeared into oblivion. How long are they going to keep this crap going? We all know it's worthless. It just ties up unnecessary capital and burns retailers' money.

WellPayed

Feels like BTC ETH SOL & XRP about to pump

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Post is by: Hot_Group_8897 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1pkorz5/why_crypto_benefits_from_the_reverse_carry_trade/ When carry trades unwind: • 🟢 Cash rotates back into high-leverage markets • 🟢 Volatility spikes (crypto loves this) • 🟢 Liquidity migrates to assets with the best asymmetric returns • 🟢 Macro traders hedge with BTC and XRP as “liquid alternatives” This is why you’re seeing these weird, sharp moves in the market even when retail isn’t active. It’s not retail. It’s macro liquidity flows. *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.*

Mundane_Elk3523

Ehm it’s totally true though.. just try and buy some milk or a new car with your XRP without exchanging to fiat at some point. Even bitcoin itself is 99% useless everywhere

coinfeeds-bot

tldr; XRP's funding rate on perpetual futures has turned deeply negative, signaling bearish dominance and a lack of bullish demand. Open interest in XRP futures remains stagnant, while ETF activity and XRP Ledger deposits are declining, reflecting reduced interest in the ecosystem. Despite some analysts viewing negative funding rates as potential reversal signals, XRP faces challenges from competing blockchains and limited activity on its ledger. These factors suggest low odds of sustained bullish momentum for XRP in the near term. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

PerspectiveNo1004

Everyone always brings up “the technology” as if that means anything… in my view it doesn’t… XRP is a cross border payments token. Rather mid… institutions don’t need to actively hold it to use it so they won’t. That simple. XRP not worth a hold in my opinion, but hey you all do you if you like the coin. I simply don’t. I have no fomo either. We’re all different and value things differently. For a “top 3 coin”, XRP is pretty shit.

DevelopmentOps

Why not use XRP or HBAR for those large transfers now?

DevelopmentOps

Why not use XRP or HBAR for that future you see? I completely agree, I just don’t see Bitcoin being the currency used.

FactCheckerJack

So there are multiple brands of cars, like there are multiple brands of cryptos. And the total supply of all cryptos is a lot, isn't it? In fact, anyone can effortlessly create their own crypto in a few minutes. So really, the total supply of all brands of crypto is... infinite. "Oh, but people don't want the crypto coin that you created. They only want an arbitrary subset of crypto coins that are more popular for no specific reason -- mostly just because they caught on a little earlier. Not just Bitcoin, but also Etherium, Dogecoin, XRP, Cardo, Shiba Inu, Tether, BNB, etc."

Mulvita43

Just like Garlinghouse saying anything positive abiut XRP. Coinbase is very biased

coinfeeds-bot

tldr; Ethereum's potential rise to $62,000 has sparked discussions about its impact on XRP's value. An AI model outlines four scenarios for XRP's price trajectory, ranging from $6 to $41.40, depending on how closely XRP mirrors Ethereum's growth. Factors like market conditions, regulatory changes, and institutional demand could influence these outcomes. Predictions remain speculative, with a realistic target for XRP between $10–$12, while a significant rise may require a strong catalyst or widespread altcoin hype. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

PennywiseMeetGeorgie

Aye I made some money on XRP, took it out, put it to DOGE and HBAR. Now it's stagnant, maybe a 3% loss or something. Hoping it recovers and goes 0.2 - 0.35

Several_Structure418

I invested in XRP 5 years ago and did over a 10x. You’re just a noob.

SmileOk1306

Ada, XRP

MakCapital

When everything on earth becomes a token you can't expect every asset and asset type to rise at once. The tokens capturing and distributing value from users will rise based on their ability to monetize activity. It's that simple. There will be an infinite number of tokens. Learn how to value them. Just as you would when buying any asset on Robinhood. BTC is the only publicly managed currency that gets to long term rise without earnings. XRP, ADA, and every other token that has 0 activity to monetize will always long term trend to 0 BTC. That only changes if activity changes. Don't let meme pumps of larger caps convince you this isn't true. There are only 3 alt chains with serious activity. Of these only one is already correctly monetizing that activity. If that activity remains constant or grows, that's the only alt L1 you can say the price of the token at some point in the future will be higher than it is today. If you aren't aware what holds the majority of activity and or rev, spend more time in the space before looking for entries on any L1.

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Post is by: Algo_Mas and the url/text [ ](https://goo.gl/GP6ppk)is: /r/AlgorandOfficial/comments/1pjin1d/my_3_cents/ Honestly, Algo is not generating any significant income at this moment. They should consider cutting fees to beat solana and match XRP. The loss income would not even make any difference, but may get some people to switch over if they advertise it right with the quantum proof advancements in algo tech, and a ALGO burning mechanism for fees earned to counter inflation. Use this opportunity to let people know that AF has the back of ALGO holders. Accountability. Many people left AGLO because it seems current c-suite is untouchable. There is no accountability mechanism. There needs to be accountability, whether its a startup or country or whatever. Without accountability how can you measure success or failure? This is essential - there needs to be a popular vote mechanism at least, and a vote from the board every quarter. There needs to be a mechanism to show the goals and what has been done to achieve them and if they were successful. If not successful, why wasn't it successful, etc. Meanwhile, switch strategies, maintain current grassroots relationships, but start going only for the big fish. Go after big companies, small countries with weak currencies, any large population that can help with mass adoption. Alot of times its perception that can bring adoption. Algo has already done pilots with companies, central banks and even countries - its time to really advertise and push these and sell them. I really hope whatever paper thats suppose to come out in Q4 goes hard on these topics. *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.*

Shelbyturtle

I’d put my XRP on that

Reasonable-Pudding43

Not really. Didn't seem to make much of a difference. In fact, it was up for a couple days after the Sept 17th cut. It was up slightly, but honestly the crypto markets are MUCH bigger than the United States. Bitcoin is largely owned by the Chinese. XRP is largely owned by the US. Solana is largely owned by the Swiss.

Suspicious-Limit8115

Equating XRP and FARTCOIN proves that you are indeed the smartest person on this sub

clreatradeapp

What's everyone's prediction on where XRP will be by 2030?

ThriceHawk

It would help if people stopped pinning their hopes and dreams on POOP, FARTCOIN, XRP, PEPE, DOGE, SHIB, FLOKI, PENGU, etc.

YuoKelly

Bud I shorted XRP when it was 2.40, what exact bad decisions 🫵😂? I literally have enough money on my bank for a house in my country. No amount of money will unmake you a loser. Istg if you're an Indian cosplaying a gringo 😂😂 or worse a Gringo that's actually this dumb 😂🫵💀

NileshKasurde

When you look at long-term projections, it's important to remember that crypto markets evolve with adoption, technology, and regulation. XRP, for example, shows how utility and use cases can influence value differently than scarcity alone. The same applies to Bitcoins value, which depends on demand, supply, and broader economic conditions. Instead of guessing extreme numbers, it's smarter to view these assets as part of a changing financial landscape that reflects global confidence and innovation.

Maxlum25

Speculation, technically BTC has already lost to XRP, because the powerful have already decided what the monetary system of the future will be and it will not be BTC

Hidden5G

What a clown. You’re screaming “centralized shitcoin” while worshipping the most whale controlled asset on the planet. Bitcoin is controlled by whoever owns the biggest piles, and you know it. The idea that “no one controls the ledger” died the moment governments, miners, and a handful of funds could tank or pump the price at will. Your whole fantasy about “fair distribution” ignores reality. Bitcoin’s early miners hoarded everything when difficulty was basically zero. A few thousand people control most of the supply today. That is the opposite of fair. That is the definition of concentrated power. You rant about utility like you’re allergic to facts. Bitcoin still settles slow, still clogged with absurd fees during congestion, and still cannot serve as real settlement for banks or institutions. It was never designed to handle cross border liquidity, real time settlement, or financial infrastructure. That is why every major bank, clearinghouse, and regulator looks at XRP and similar tech for those rails, not your antique proof of work museum piece. You call XRP “going to zero against Bitcoin” as if that means something. Everything goes to zero against Bitcoin during Bitcoin cycles because Bitcoin is the speculative benchmark. That says nothing about actual function, actual adoption, or actual real world use cases. It just proves you only understand price charts and have no clue how financial plumbing works. You mock “utility” because you literally do not understand it. Nostro and Vostro inefficiency is a trillion dollar problem. XRP was built to fix that. Bitcoin cannot. Bitcoin will never. That is why your childish insults do nothing except highlight how far out of your depth you are. Screaming “XRP bad, Bitcoin perfect” doesn’t make you a visionary. It makes you a maxi who stopped learning ten years ago. The new financial system will be built on settlement tech, not meme level ideology. You can keep polishing your digital rock while the grown ups replace old liquidity rails. The funniest part is how hard you are trying to convince yourself you’ve already won. If you were confident, you wouldn’t be chasing people around threads like a desperate salesman for the Beta Test Coin. I get it. Facts upset you, as does the reality of the new financial system once regulations/clarity arrive. Thanks for the laughs, truly.

DrCrazyCurious

Since you mention uses *other than investment*, your other requirements like low price volatility are actually contradictions. E.g.: Price volatility doesn't matter for money transfers. For example, if you want to send $1000 USD to a friend in Europe in their local EUR (€) currency, the bank is gonna steal some percentage or a flat $50 transfer/conversion fee. Or you can transfer it using cryptocurrency like XRP. Within a few seconds (settlement in 3-to-5 seconds) you buy $1000 USD worth of XRP, it gets transferred to your friend's account, sold for Euros (roughly 860€ = $1000 USD), and the whole thing cost pennies to finish the transaction. It doesn't matter if the price of XRP goes up and down over the course of the day. The price movement within those 5 seconds won't be enough to impact the value of the money you transferred. And worst case it does, it's still *far less* impact than the bank fees you'd pay at a traditional bank. Most cryptocurrencies have *intended* uses other than investment. But most people on Reddit are only here for the gains. I'd recommend scrolling through the Top 10 cryptocurrencies (other than Bitcoin, which is primarily an investment / storage of value tool) and read up on their white papers and official websites to learn more about them. Because your question reveals you don't actually understand what most cryptocurrencies are about. (That's not an insult. It's an invitation to learn.)

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Post is by: Illustrious_Lie_954 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1pidk7f/theres_no_dow_or_sp_500_for_cryptocurrencies_yet/ Bitwise has updated its 10 Crypto Index ETF (BITW) to include four additional assets: Cardano, Avalanche, Sui and Polkadot. The fund now holds Bitcoin, ether, XRP, Solana, Chainlink, Litecoin, Cardano, Avalanche, Sui and Polkadot. According to Bitwise CEO Hunter Horsley, this makes BITW the first ETF from a major crypto asset manager to include these newer networks alongside the large-cap names. The move slightly broadens exposure beyond just the biggest and most established assets, though the fund is still heavily weighted toward Bitcoin and ether. It’ll be interesting to see whether this diversification actually improves long-term risk-adjusted returns, or if it just adds more volatility to an already volatile product. Source: https://www.cnbc.com/2025/12/09/theres-no-dow-or-sp-500-for-cryptocurrencies-yet-bitwise-is-getting-a-step-closer-with-new-etf.html?__source=androidappshare *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.*

JustStopppingBye

[No. See attached tweet from the CIO of Swift, an organization owned, governed, operated, and used by 12,000 banks](https://imgur.com/pYa4MH0) XRP will never be used, its not real money, its a meme coin. Ripple needs a stablecoin now because DvP and PvP atomic settlement basically made XRPs original purpose obsolete. Once you have atomic swaps between cash-like tokens and tokenized deposits, there’s no reason to route value through XRP as a bridge. The whole “XRP as neutral settlement asset” pitch collapses when two counterparties can instant-settle with their own stable, regulated tokens instead.

Hidden5G

Your trying to sound smart by copy pasting a bunch of half baked talking points, but your entire argument falls apart the moment you separate speculative price action from actual utility adoption. Let me help you clear up that ignorance so your less exposed of it in the future. You are mixing up two completely different things. Speculative price action and real world settlement utility are not the same. Yes. In the current market every asset moves with Bitcoin. That includes Ethereum. Solana. AVAX. XRP. It is all one big speculative pool right now. That is because we have no full regulations yet. Let that sink in. No global liquidity corridors live yet. No institutional settlement volume yet. So everything trades as a risk asset. That does not mean every asset has the same use case or the same end game. XRP was built to solve trapped liquidity and instant settlement between financial institutions. The entire point is removing the need for banks to park billions in Nostro and Vostro accounts. That is real utility. That is something Bitcoin cannot do. Ethereum cannot do. Solana cannot do. None of those chains were designed as neutral settlement assets for institutional money movement. I’m sorry if the truth hurts. The Beta Test Coin can only do so much. Your price history list proves nothing except that the market is still immature and everything gets dragged around by Bitcoin sentiment. That is not an insight. Everyone already knows this. The real question is simple… When regulations are rolled out. When banks are allowed to use digital assets for settlement. When global corridors go live. Do you think the market will still treat everything as one giant meme pool? Or will assets finally separate based on their actual role. Ask me for help if your having trouble understanding that. Speculative price movement today does not erase utility. It just shows we are still early. The same way the early internet stocks all moved together before the real companies separated from the junk. Right now you are arguing from the speculative world and pretending the utility world does not exist. That is why your logic collapses so openly. If you want to say Bitcoin pumps everything today. Sure. That is obvious. But pretending that utility assets and meme assets end with the same purpose is just lazy thinking. FYI…. You can chase me around Reddit for and copy paste whatever you want, but none of your maxi anger changes a single fact. Fact. XRP was built to solve Nostro and Vostro. Fact. It has been literally known as the “bankers token” for over a decade. The beta test coin you worship…cannot do that and never will. You keep exposing your own ignorance every time you pretend they serve the same purpose. If you need anymore help, just ask.

Altruistic_Split9447

I don’t understand I thought the banks would use XRP why does ripple need a stable coin lol

coinfeeds-bot

tldr; Ripple's RLUSD stablecoin has surpassed a $1.3 billion market cap, achieving a 1,278% year-to-date growth. This surge is driven by a strategic multi-chain deployment across Ethereum and the XRP Ledger, enhancing accessibility and functionality. Partnerships with Gemini and Mastercard have further integrated RLUSD into institutional payment systems, positioning it as a competitor to USDT and USDC. Analysts highlight the benefits of Ripple's interoperable approach, which aligns with industry trends favoring scalable, cross-chain solutions. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

biba8163

> When it’s a speculative and whale driven coin Do *"Nostro/Vostro Banks are going to buy my XRP PEE PEEs and make it the Standard Settlement World Currency and I am going to get rich"* delusional Fidget Spinners realize... > XRP and the XRPL weren’t built to “replace Visa” or “replace Swift.” They were built to fix the problems underneath those systems..the slow settlement, the locked-up liquidity, and the expensive, outdated messaging rails that banks still rely on. > Swift is basically a secure messaging network. It doesn’t move money. it just sends instructions. Visa is a consumer payments network. It approves card transactions, but the actual settlement between banks still happens on old rails behind the scenes. > Nostro/Vostro accounts are the plumbing. > That’s where the real friction is. Banks have to pre park money all around the world just to make international transfers function. XRP’s design is aimed at eliminating that trap…giving banks a neutral, instantly settling bridge asset so they don’t need to freeze billions in idle accounts. > It doesn’t replace Visa or Swift. It replaces the liquidity bottleneck those networks still depend on. The old systems can still exist on the surface, but the heavy lifting underneath the actual settlement can be done faster, cheaper, and globally using XRP. That’s the point. https://np.reddit.com/r/XRP/comments/1oz1t0t/the_day_came_and_went/np92pcx/ ... XRP like all crypto has no independent value in itself but can only appreciate when BTC goes on a bullrun and carries it higher. *Are people still so gullible and naive not to realize that shitcoins like XRP like all Altcoins are a DOUBLE SPECULATIVE coins that can only appreciate IF BTC appreciates AND then the coin is lucky enough to have a narrative at that time for it to run higher?* - -92% in BTC bear market from 2014-2016 - 1,000s% gain in 2017 BTC bullmarket - -92% in 2018-2020 BTC bear market - Modest rise in 2021 BTC bull market - Dump again in 2022-2023 BTC bear market - Touches 2018 ATH again in 2024 when BTC bull runs to $100K

trillionSdollarstech

Your claim was "VC have left". No, they are still dumping on the gullible (SOL, XRP, MON)

trillionSdollarstech

60% or so of SOL belongs to VCs and the foundation. Same with Monad and XRP

PapaCryptopulus

Obviously he's not that smart when he's buying that trash when he could be buying superior utility assets like XRP