XRP

CaptainTrader32

Hey mate! Thanks for your input. But hear me out: The global cross-border payments market is dominated by entrenched players like SWIFT, large correspondent banking networks, and increasingly fintech rails (Visa, Mastercard, regional instant payment systems). For Ripple to reach anything close to 70%, it would need near-universal bank adoption, regulatory alignment across dozens of jurisdictions, displacement of legacy systems that already process trillions daily No current data or adoption trend suggests that level of dominance is even remotely underway. Also, if RLUSD (and other stablecoins) are already handling flows, then: * Why introduce XRP volatility into the system? * Why would institutions switch from stable, fiat-backed rails to a volatile bridge asset? The industry trend right now is the opposite: * Move **toward stablecoins**, not away from them * Even Ripple itself is leaning into that direction

CaptainTrader32

even LUNA did well at one point in time. Please try to understand that I am merely asking about XRP's fundamentals and why it should be trusted over other coins. Lets say HYPE, which has a clear use case unlike XRP.

CaptainTrader32

Well thats my main concern. To me, XRP is facing an identity crisis of its own making. It doesnt know anymore what it wants to be: a cross border payment rail (stablecoins are already beating it) or an L1 token (rivals like Ethereum and Solana are far better options IMHO).

zesushv

No longer XRP, so not a cope. True. I wish I was, but not a kid.. My point however still stands, if the chase is green, it won't matter much where it comes from as long as it does... Right?

Business_Turnip6468

Btc would have to be 300 k to make real money. And that’s 4x return. You stand to make a hell of a lot more money XRP or HBAR or XDC. These 3 will be your retirement plan

Business_Turnip6468

XRP is not getting any cheaper. More upside than any other coin. Just sayin

brianmonarch

Shareholders? You must do some really deep research before you tell the world what’s going on here. Ripple isn’t even public. And XRP is used with everything Ripple does. It benefits.

brianmonarch

Exit liquidity? Zoom out on the charts…. Most of these crypto’s move in tandem most of the time. But you cherry pick XRP. 6 times? Ask your favorite LLM how often XRP is being used every day. You’re just talking out of your butt and aren’t informed. Ripple has made BILLIONS from XRP’s utility. Look it up. Don’t just argue either what you think, because you’re factually wrong. 6 times?? Haha

brianmonarch

Compared to what? Bitcoin? XRP is faster, more green, has actual utility and a use case, been in the top 10 coins since its inception. Its out performed btc the last couple years too. Ask your favorite LLM.

brianmonarch

XRP has outperformed Bitcoin the last couple years. Btc is the oldest, clunkiest, slowest, least green and has no real utility. Ripple is making billions with XRP’s use case. That’s without clarity. Everything I am saying is true. Ask your favorite LLM before debating it. :) Crypto isn’t what some had hoped for. Decentralization sounds great in theory…. But.. Without a big company behind a coin, big moves with institutions probably won’t happen for a coin. Btc only has a store of value at this point. Period. And that might be enough to get it to a million dollars. Which is maybe what the btc maxis are banking on. But when utility matters…. And I believe it really will. Other coins just might surprise you. Time will tell and I never state future moves AS FACT like others do here. I could be wrong. But I don’t think I am. Only time will tell. 👍🏻

Yee4614

Do more homework.  April was probably the most bullish month ever for XRP.  

True_Bodybuilder8095

XRP isn’t useless, but the story around it gets stretched a lot. Best way to look at it is simple is real usage growing or not? That matters more than any hype cycle.

Legitimate-Key-3044

I knew XRP was overhyped when my friend who never looked at / understood crypto started buying it and telling me how quick it was going to pump to $20 when *”the court case is settled”*. He saw a few videos on tik tok. …I said to him during the week that the sec are now officially classifying Ripple as a digital commodity and he didn’t know what Ripple was.

BenniBoom707

Ah XRP, aka the first Shit Coin. Just look at the market cap. The same people hyping it for years are just the early investors still bag holding. If you must hold it, DCA long term. It could be worth $5 someday, most likely not much hire that unless there is some dramatic infusion of capital into the markets

CaptainTrader32

Its still gonna do well as a company to benefit its shareholders. But XRP, in my opinion, will rather switch to being an L1 token than becoming a cross-border settlement tool. RLUSD is actually competing with XRP lol, and even that stablecoin is largely working atop the Ethereum blockchain, not XRPL.

GeoSystemsDeveloper

Never thought much of XRP, but it's been performing all right over the years

CaptainTrader32

Yes, I have been lately looking at AI/Privacy coins and even sectors outside crypto for reallocating my XRP gains. Already have a fair share of portfolio in Bitcoin, so don't wanna become a BTC overweight. Are you holding XRP as well?

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Post is by: CaptainTrader32 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1swsosw/holding_xrp_but_starting_to_have_doubts_thoughts/ Hey fam! Lately I’ve been feeling like XRP has become a bit overhyped and over-marketed, and I’m struggling to understand what the actual long-term thesis is anymore. A few things that are bothering me: **1) What exactly is XRP supposed to be today?** Originally, it was pitched as a bridge asset for cross-border payments. But from what I can tell, a lot of Ripple’s partners don’t consistently use XRP itself for settlement — many use the tech stack without necessarily needing the token. At the same time, the narrative now seems to be shifting toward XRPL as a broader smart contract/L1 ecosystem. That’s fine, but it feels like the identity keeps changing. **2) Token distribution concerns** I’ve seen repeated discussions about Ripple releasing XRP from escrow and selling portions of it. From my understanding, this is disclosed and part of a structured release schedule—not some hidden “dump.” But still, as a holder, it does raise the question of **ongoing sell pressure vs. demand growth**. If I’m wrong on how impactful this is, I’d genuinely like to understand. **3) Centralization worries** This one might be outdated info on my end, so correct me if needed. The XRP Ledger validator set seems smaller and more curated compared to something like Ethereum. * XRPL has on the order of **\~150–200 validators** globally * Ethereum has **hundreds of thousands of validators (500k+)** I know validator count ≠ perfect decentralization metric, but it still makes me question how permissionless XRPL really is in comparison. **4) The social media noise** This is probably the biggest one for me. Every time I open X or YouTube, there’s constant “XRP is about to explode,” “banks adopting XRP,” “$10+ imminent” type content. It feels… coordinated? Maybe it’s just engagement farming, but it makes it harder to separate signal from noise. Again, I’m not saying XRP is bad or dead. I’m just saying **I’m confused about the narrative vs reality right now**. If I’m missing something important, especially on utility, adoption, or tokenomics, I’d really appreciate someone breaking it down properly. And if the answer is “yeah, you’re overthinking it,” that’s fair too. *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.*

TsubtleTsou

XRP.

NOIRCEUR_TRADING

I'm honestly very new to HBAR, but to me the price potential and technology is why I dumped a bunch of $$ into it at sub $0.09. I have multiple daily DCAs foe BTC/SOL/ETH/XRP/HBAR but I've been smash buying BTC and HBAR since late February.

SlowArtPlanet

$40k and chasing max upside? I’d keep it simple. BTC and ETH should still be the core because liquidity flows there first when market wakes up. Then rotate smaller size into high beta names with real attention, not random ghosts. SOL, TON, HYPE, maybe AVAX if momentum returns. Privacy coins can pump hard but narrative comes and goes fast. XRP moves mostly on headlines. Biggest mistake is overdiversifying into 10 bags that do nothing. Better 4 to 5 strong plays with dry powder ready. In this market patience prints more than spraying entries everywhere.

Shot_Pipe_3798

Yeah I laughed, is not XRP or something.

ElegantlyArched

Yeah, I agree. Luckily, I don't have a TON of it; bought in at $1.40 and barelyyyyy breaking even. I know he bought in at a higher price than that. 😔 A birdie told me the US is moving to adopt a coin. XRP is highly favored. But-- lordy lordy!! If only, if only, the execs could just resist committing fraud for one _whole_ month😭🤦‍♀️ The stability is almost boring now. I was hoping for something more exciting. I like to gamble tho..

IBAN-IBON64

Pas assez de BTC . 50% BTC 30% ETH et le reste SOL XRP ADA etc... TAO ??

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Post is by: HypnoticonymLow and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1swcem8/how_to_diversify_40k_while_everything_is_cheap/ Hello everyone. I am looking to diversify my portfolio and need some perspective/advice. I have about $40k to invest into a handful of different coins. My goal is maximize profit, I honestly don't care too much about utility or the project itself, but I am also not interested in shit coins or meme coins. I plan on selling $40k of ETH to re-invest. I was thinking about privacy coins, as they're competing with XMR, they may be promoted in the mainstream overtime, is this valid reasoning? I also might put $10k into Bitcoin because clearly everything else follows BTC. Other projects I've heard good things about are AVAX, XRP, Poly, Ton? What coins are you invested in, and confident that they will continue to go up? Please provide your reasoning. Thank you in advance! *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.*

zesushv

XRP being moved from exchanges might be institutions acquisition for ETF custody, this will explain why there isn't a significant price change, a simple change of custody platform instead of trade.

Internal_Mortgage863

Hard to predict XRP, it’s driven by narrative and liquidity more than clean fundamentals. If he sized it small like you said, risk is contained. No guarantee it moves or holds value.

Particular-Cow5798

You really guided him well tbh, XRP has solid fundamentals even if it moves like a snail sometimes 😂 The institutional adoption is real and with all the regulatory stuff clearing up it's positioned pretty good for long term. Your friend survived cancer AND made bank on crypto - man's living his best life and you helped make that happen 💀

ninenulls

Look at how many serious companies and industries are getting involved with Ripple. Also, look at the market cap, and the fact that it has an ETF. It's massive. If "your friend" can hold for a few years, it should be a good investment. XRP is a long hold.

ResidentDark249

The Genius act has a backdoor for cbdcs to be enacted. And XRP is the king sitting at that table just saying.

sylsau

XRP is worse than a Meme Coin, that's saying something!

pirate_pues

I would say delete advice to buy XRP Anyone that's been in crypto awhile put XRP below DOGE. At least DOGE was a meme coin . XRP is just exit liquidity

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Post is by: Michal-Grid-profit and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1supo90/4day_grid_trading_update_12_bots_26530_profit/ Here’s the latest performance from my 12‑bot OKX grid portfolio (Apr 21 → Apr 24): 📊 Performance \- Grid Profit: $265.30 total \- 4‑day gain: +$1.91 \- Daily avg: \~$0.48/day \- Portfolio: +$21.76 over 4 days \- All 12 bots IN RANGE \- Arb trades: 17,110 total 🔍 Market context \- BTC: $77.6k (92% of range — needs expansion soon) \- SOL: +0.36% \- XRP: +0.07% \- ETH: –0.42% \- Gold/Silver: both green ⚙️ Bot performance SOL bots continue to dominate with 6.5–7.4% grid returns. ETH remains the healthiest by Total PnL. XRP and AVAX stable mid‑range. BTC is the only bot close to range top. ❓ Discussion Do you think grid trading is the best strategy for sideways markets? Or would you rather manually DCA and hold spot? Curious to hear your long‑term strategies. Crypto #GridTrading #OKX #PassiveIncome #AlgorithmicTrading *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.*

truthy_truth

XRP, XLM, HBAR, Algorand, XDC, Flare, Canton, Redstone, Axelar, Wormhole, Plume, Ondo, Mantra, Clearpool, Telcoin, IOTA,IoTeX, Jasmy, XYO, ZBCN this is my bag that I'll be running and tinkering with for the next 10 years the smallest ones like less than two cents are your profit generators stack them up the 15 cent end up ones are my long-term bets on payments with zbcn added into that category as well but a lot of the smaller ones will act as both profit generators and I think they'll have increased long-term value so I would never sell the last 10,000 of any of them

brianmonarch

What meaningful structural utility is BTC going to be used for? It’s the oldest, slowest, least green coin there is. I think you might be in a vacuum chamber if you think it’s going to be used for its utility. All it has at this point is a store of value. Which might be enough for it to get to a million dollars. I’m not saying it’s not. But it’s definitely not going to happen because of the reasons you mentioned above. If you want a coin that can actually succeed because of its utility, I think HBAR and XRP are far superior coins with companies behind them actually making moves with huge corporations. Just my opinion, of course. Way cheaper to use than Ethereum with its gas prices.

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Post is by: novacryptolabs and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1sujyl1/all_8_altcoins_in_my_watchlist_green_today/ My signal bot tracked these this morning: ALGO +0.78% | DASH +0.50% | HYPE +0.37% | HBAR +0.31% SOL +0.27% | XRP +0.25% | ADA +0.25% | DOGE +0.21% 8/8 green is rare. Watching for follow-through tomorrow. Trade free 30 days on MEXC: promote.mexc.co/r/UzCEsmBcLP Free beginner guide: https://novacrypto.gumroad.com/l/psuwha NFA. *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.*

DifferenceBoth4111

Just curious man but with your track record on XRP did you think of leveraging that foresight into other undervalued digital assets before they blow up like you did with Xrp twice already?

mieb15

Zebec Network -> early XRP

gowithflow192

XRP decays until it pumps again. Rather IF it pumps again. So it depends your view if this will happen again or not. Most alts never regain their best pump.

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Post is by: XRPresso_io and the url/text [ ](https://goo.gl/GP6ppk)is: /r/XRPresso_io/comments/1ssqwbq/gearing_up_for_xrp_las_vegas_building_refining/ Quick update from the XRPresso side. We’re getting ready for XRP Las Vegas and have been focused on tightening up our pitch and how we explain what we’re building. The goal is simple: Not just talk about XRPL… but show what real-world usage actually looks like. XRPresso is built around that idea — a marketplace where XRP is used for: • physical goods • services • digital items Not speculation. Actual commerce. Also just received our XRPresso business cards in the mail — small detail, but it makes it feel very real seeing this move from concept → something we can actually put in people’s hands. Curious for feedback from this community: If you had 30–60 seconds to explain XRPresso to someone at an event like this, what would you focus on? Appreciate everyone following along — still early, but building with intent. *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.*

Pakman____

Bro I got like 20 XRP and 5 million DogShitCoins. I'm golden!

Charger2950

I’ve dumped literally everything except for the valuable stable coins that have actual real world utility.  Like XRP, XLM, Bitcoin, HBAR, and ADA.  I still hold those and keep buying more.  As far as most of the rest…..most are just shitcoins. 

Electronic_Quote399

Bitcoin is not gonna do anything. Since nobody runs bitcoin. Youre talking about the people who want to use XRP dropping trillions of dollars into it after they "shake out retail" which they never will, since they've got so many of you convinced thats the goal.. so you all hold lol. They, would have to hand ripples management 3.7 trillion dollars to make xrp worth $1000. And im pretty sure thats what you guys say is needed for xrp to run properly. I think now they're saying 10,000, right? So 37 trillion dollars then. Unless management are the only ones who will get shaken out? Not likely.

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Post is by: Late-Ask-7754 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1stnw1n/question/ How do I go about moving some crypto that I have (ETH , SOL, XRP ) into a cold wallet and what happens to the small amount I get back from the bonded restaking each month ? , will the small amount that I accumulate just sit in the kraken wallet ? I have this all on kraken *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: SuggestionWorried741 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1sthfv8/whole_markets_bleeding_and_somehow_rave_is_up_83/ Opened up my exchange this morning and it's just red everywhere. BTC sitting at 75.5k down almost a percent, ETH at 2,306 doing the same thing, XRP barely moving. But then I look at the gainers section and RAVE is casually up 83% in 24 hours. DENT up 34%. ON up 31%. Meanwhile on the losers side you got A2Z down 31% and GUN down 26%. So basically the market is flat to red but small caps are going absolutely nuts in both directions. This is the part that gets me. BTC volume is 103M, ETH is 11M, but then ASTEROID which literally nobody talks about has 3.2M in volume. Whole market's red. BTC down, ETH down, XRP barely breathing. Then you look at the small caps and RAVE is up 83%, DENT up 34%, meanwhile A2Z got down 31%. Big caps are sleeping but the money didn't leave it just moved somewhere else. Every time the market goes sideways like this the same thing happens, degen money starts rotating into low caps looking for a quick flip. Anyone else noticing this? What small caps are you guys watching rn? *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.*

grandegi

That’s a wild ride, and honestly, sometimes 'freezing' is the only thing that saves a portfolio. My story is basically the opposite of yours—my biggest mistake was overthinking instead of doing nothing. I ended up selling a decent bag of XRP just a few weeks before the big leg up last year. I thought I was being 'rational' by de-risking, but my timing ended up being accidentally perfect for missing the entire move. It’s a classic reminder that sometimes the market rewards patience more than 'smart' moves.

biba8163

> If you think 0.04 BTC is low, the ETH/BTC ratio is going to feel like getting kicked in the nuts over and over again over the long term as the ratio falls below 0.01 and goes lower and lower. **(Sept. 2024)** > Long term ALL Alts follow the same trend and fall below the initial BTC value they started at. Pretty much all the older Alts, even the most successful fall below this value. ETH is also trending long term to fall below this value. People talk about historic trends, patterns and cycles but this has been the only 1 undisputed and unbroken pattern for 14 years. > | | Initial | High | Current | > |:-----------|------------:|:------------:|------------:| > | LTC | 0.03 BTC| 0.048 BTC | 0.001 BTC > | XRP | 5,594 SATS| 22,500 SATS | 940 SATS > | XMR | 0.005 BTC| 0.035 BTC | 0.0029 BTC > | ETH | 0.01 BTC | 0.15 BTC | 0.041 BTC https://np.reddit.com/r/CryptoCurrency/comments/1fgzm3z/daily_crypto_discussion_september_15_2024_gmt0/ln9jvct/

piggleii

Apart from BTC, a few coins did well, like HYPE, SOL, XRP, BNB.

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Post is by: Nlondon83 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/XRP/comments/1snk0p9/everyone_buys_on_a_certain_day/ Wouldn’t it make sense as a community we select a certain day and all buy “10$” of xrp every Monday? This is a community of 655k ppl thats approximately 6million in xrps sold every week??? We could make each other rich fairly quickly!!!!! *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.*

Zestyclose-Suit-2858

XRP/Ripple is a scam

japhydean

bought XRP on a tip from a friend and DCA’d until i had several thousand at an average of around $1. sold at $3.

CreatineAddiction

Do you understand basic tokenomics or what? Would love to get your take on XRP cos boy does its future token dilution sure look like a problem....

True_Bodybuilder8095

Right now XRP still moves mostly with the overall crypto market when the market runs, it runs, and when things slow down, it does too. The use case around payments sounds solid, but it hasn’t shown up at a scale where price moves on its own yet. For that to happen, you’d need real, consistent usage from big institutions and actual transaction volume backing it. Until then, it’s basically a large-cap coin that follows the market with the occasional jump on news.

pop-1988

Exclude everything that was launched as an airdrop by fraudulently inheriting the prior history of Bitcoin - BCH, BTG Exclude everything centralized by design - XRP and similar entrepreneurial projects Exclude everything centralized by outcome, because their blockchains are so bloated that nodes are expensive to run, which makes the node network very small - ETH and all the other so-called "smart chains" This leaves BTC, NMC, LTC, DOGE, XMR In recent years, apathy has led to developers drifting away from LTC and DOGE. They both still have large-enough node networks to be decentralized. But each of them is only one Core bug away from having zero nodes > the Price is volatile So? The price market isn't relevant to the question The software which runs on each Bitcoin node has no price-related functions The gold analogy is ludicrous

Cryptognito

XRP was always a scam token. Nothing has changed.

Spirited-Box-2802

Honestly, I’d probably still be behind XRP if it wasn’t for the wave of hype a few months ago. Felt like everyone suddenly had $10+ targets with a lot of conviction. The payments / institutional angle has always been interesting, but it doesn’t feel like much has changed there in terms of real momentum. It had its moment, but sentiment feels like it’s moved on for now. Would take some serious integration or real world usage to shift that again although doubtful.

brandonholm

XRP never was a long term play. It was and always be a grift from Ripple Labs.

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Post is by: XRPresso_io and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1ss7fs5/is_xrp_still_a_longterm_play_or_just_tied_to/ Trying to get a clearer read on XRP from a market perspective. It’s been around for a long time compared to most projects, and it clearly has strong brand recognition and liquidity. At the same time, it often feels like its price action is still heavily tied to overall crypto cycles rather than any specific adoption milestones. On the fundamentals side, there’s still the narrative around payments, institutional use, and XRPL development. But I’m curious how much of that is actually being priced in vs just being part of the long-term story. So for people who follow XRP more closely: • Do you see XRP as something that could eventually decouple from the broader market based on real-world usage? • Or is it realistically going to behave like most large-cap crypto assets, where macro sentiment and liquidity drive the majority of price movement? • What would need to happen for XRP to actually move independently (if at all)? Not trying to argue for or against it — just interested in how people here are thinking about it from a market structure / fundamentals angle. *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.*

Few-Sky-976

I started out buying Butcoin, ten years ago, and only regret that I didnt buy more. My strategy was to swing trade Bitcoin by buying at below the current median price (buy the dip) then sell once it rose to 10 or 15% above the median. Rinse and repeat, hundreds of times. This strategy was designed to increase my holdings, as BTC was very volatile years ago. Of course I had to pay shirt term capital gains every year, but I didnt vare, just as day traders dont care. Now, we have better options for buying the top 4 cryptocurrencies, as the wallet storage issues and crypto taxes are a nightmare, frankly. Instead of opening a Coinbase or Gemini or other account, you can just open a Fidelity or Robinhood or Webull account instead (Webull has great offers for new accounts, too), and then simply buy ticker IBIT (Bitcoin ETF) or ticker ETHA (Ethereum ETF) or ticker GSOL (Solana ETF) or ticker XRP (Ripple ETF) after you deposit USD into your new brokerage account. A simple buy and hold strategy where you use Dollar Cost Averaging (DCA) to buy any of these 4, will allow you to hold crypto in ETFs, where you DO NOT HAVE TO DO CRYPTO TAXES. Instead, the brokerage will send you a 1099-B form at the end of each year, which is 20X easier than a complicated crypto tax return. I know, we do them every tear, and we have to use crypto tax software to summarize our gains. And here's the deal. The gains are the same essentially, minus a tiny ETF fee. Also, Coinbase or whatever exchange charges you a fee for every buy and every sale, so it works out to be the same capital gains purchasing via a crypto ETF with a brokerage account. This is a huge advantage that only recently became possible, when Bitcoin ETFs were launched, followed by ETH ETFs, then Solana, then XRP So, this was not even possible 4 yeaes ago, but it is now. Also, with a brokerage account, you can also invest in Strategy stock (ticker MSTR) and its new preferred dividend stock "Stretch", (ticker STRC), which pays an amazing 11.5% monthly dividend based upon MicroStrategy's Bitcoin holdings. So, it's now easy to have a 100% crypto based investment strategy using a brokerage account. Do it with a Roth IRA and it's an even better strategy.

chrisb720

I pretty much got out of most altcoins last year. I'm just ETH, XRP and a few privacy coins like XMR. In the last cycle i was always looking for those moon coins and never succeeded. Most are rubbish. Stick with the ones that have stood the test of time. I was never an XRP fan, but I think it could just be something big in the future

ubermensch1001

Yeah, man, I think you are spot on here. I would honestly say the biggest risk factor to losing your crypto is leaving it on exchanges, which is probably what the majority of retail investors do. Your account can easily be hacked OR where you are locked out of your assets. Something else I saw recently was some ledger live app on the app store that people were downloading that resulted in their funds being drained. They made it sound like something insanely elaborate and difficult to recognize, but if you followed the full story this fake app would request users to put in their seed phrases. Basically a more elaborate phising scheme. There was another story from last fall where some guy using an Ellipial wallet had 7 figures worth of XRP drained. However, the wallet had this feature where it was both a cold AND a hot wallet. It sounded like he had the wallet on a tablet, but in order to do this you needed to turn it into a hot wallet. When the story came out Ellipial completely took down the hot wallet feature. Granted, this was user error, but something marketed as a cold wallet should NEVER have had something like this as a feature. I do agree with you though about those overcomplicating things. Securing the seeds is the most important thing to do, but I could see someone getting a bit too deep into this to where they easily lose the ability to access their funds. This could be through loss of seeds, overcomplicating multi sig, etc. These various factors I mentioned probably would account for the vast majority of actual risk of losing funds. Wrench attacks are a bit different, but I think there is an easy way to mitigate this. Don't keep seeds on you or at your residence, have wallets set up to where you would have to restore them in order to use them. Granted, they could still kill you lol, but they wouldn't be able to access your funds.

XRPresso_io

If you hold XRP you are used to having Diamond Hands!

Salt-Report7813

XRP, ATOM, and HBAR are pretty solid bets...real use cases, not just hype. Stay away from meme coins unless you like gambling lol

pirate_pues

XRP DOGE and what else ?

admin_default

If you're dumb enough to buy XRP, you shouldn't be investing in crypto and your bank is doing you a favor

ComplexWrangler1346

XRP is the biggest red flag ….its the biggest scam in all of crypto…..

jack_slayer0

XRP looks stronger from a fundamentals standpoint. Its established partnerships with financial institutions and broader real-world adoption give it an edge over HBAR in terms of long-term positioning.

ComplexWrangler1346

Your bank is smart ..XRP is a SCAM and they are cannot tons of money …

Ambitious_Use_9578

This is why I didn't want to get into crypto, I didn't understand it whatsoever. Lucky for me, some friends at work who knew the ropes helped me out because I was hearing great things about a thing called XRP and wanted to get into it but didn't know how. With their help, and lots of research later I became reasonably functional in the crypto world. But I've learned how dangerous it is, it's like the wild west. Lots of rug pulls and the market is kind of rigged. Hopefully the Clarity Act can change some of that.

pirate_pues

That was a slight at XRP and his choice of investment You really thought that bit was serious :/

NagualShroom

Who told you XRP is going anywhere past $5? Whether something goes up 20x or 100x isn't a measure of whether a coin is crap

suckyuhhmada

This is pretty common in the US unfortunately. Some banks flag crypto purchases as high-risk and block them entirely. A few workarounds people use: Chime and some credit unions tend to be more lenient than major banks. You can also fund exchanges via ACH (usually slower but works) or debit card on platforms that support it directly. Once you're on an exchange, moving between platforms is straightforward — been doing that myself for a while now. BitMart for example lets you fund via card and has decent coverage of altcoins if you're trying to diversify beyond just XRP.

Waste-Milk2716

Switch to Coinbase advanced to get lower fees. Buy USDC. Use the USDC to buy XRP

MakCapital

Fees are 0 to do what I said. Treat as stable onboard. Both are some of best options in industry as far as trust. Coinbase as custody provider for major ETFs. At this point you can even buy XRP on Solana.

Longshanks2021

Use Venmo. Send money to Venmo and buy crypto there. Then send crypto to an exchange to buy the XRP is a workaround.

pirate_pues

It's because you are buying XRP Switch banks...this is the whole purpose of BTC Nobody in the middle of your transactions

MakCapital

Get a different bank. However, it's unlikely they will block you from depositing into both Robinhood and Coinbase. From there you can freely convert to USDC and buy whatever you want on chain for almost no fees (XRP on Solana) or limit orders with the same CEX for greatly reduced fees. Never buy the asset directly with your bank. Use centralized exchanges as stable ramps. Silver lining, your bank did you a favor on blocking investments into a meme.

AutoModerator

Post is by: BitMartExchange and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1sodbrx/strait_of_hormuz_reopening_signal_sends_markets/ Iran’s announcement that the Strait of Hormuz is “completely open” for commercial vessels during the Lebanon ceasefire landed exactly where global markets are most sensitive: the junction between geopolitics, energy, inflation, and risk appetite. The statement, posted publicly by Iranian Foreign Minister Abbas Araghchi and echoed by major news outlets, immediately gave traders permission to price in a lower probability of a prolonged supply shock. The fastest reaction came in oil. Reuters reported that Brent crude fell 8.5% to $90.93 and U.S. crude fell 9.4% to $85.82 after the announcement. That move matters beyond commodities. Hormuz is not just a shipping story. It is one of the world’s core inflation transmission channels. When the market starts to believe that oil can flow more normally, the entire macro stack changes: inflation expectations ease, recession odds come down, and pressure on central banks looks less severe. That is why the next asset class to benefit was equities. U.S. stocks had already been leaning into a relief rally even before the specific Hormuz statement arrived. Reuters reported that on April 16 the S&P 500 and Nasdaq closed at record highs, with investors responding positively to ceasefire and diplomacy headlines tied to the Middle East. The Strait of Hormuz development strengthens that same logic. Lower oil reduces the need to price in worst-case damage to corporate margins, consumer spending, airline fuel costs, freight costs, and broader growth expectations. At the sector level, the message is straightforward. If the reopening signal proves durable, transportation, travel, consumer, and rate-sensitive growth stocks should be among the clearest beneficiaries, because they gain from lower energy costs and a softer inflation outlook. By contrast, parts of the energy complex lose some of the scarcity premium that had supported them while the market feared a more sustained blockade. Reuters’ earlier market coverage captured that contrast well: energy had been the strongest S&P sector when oil was elevated, which means a genuine normalization in Hormuz traffic would likely rotate leadership away from crude-linked winners and back toward broader risk assets. Crypto joined the relief trade, but with a more skeptical tone. CoinDesk reported Bitcoin around $76,862, Ether near $2,424, XRP near $1.48, and Solana near $90.11, all higher on the day. Still, the more interesting detail was not the rally itself. It was CoinDesk’s interpretation that the move was already starting to lose momentum because traders want real-world confirmation: restored oil flows, lower crude premia, and clearer disinflation. In other words, crypto is participating in the risk-on move, but it is not fully endorsing the geopolitical optimism yet. That distinction is important. Oil can react instantly to a shipping headline because its pricing is directly tied to physical bottlenecks. Equities can extend that reaction because lower energy stress supports the broader earnings and macro picture. Crypto, however, often trades one step further out on the confidence curve. It responds to the market mood, but it also depends heavily on liquidity conditions, bond volatility, and the credibility of the macro narrative. CoinDesk noted that even as crypto volatility has declined, traders still see this as partial normalization rather than full repair. That caution looks justified. AP reported that even after Iran’s declaration, European powers were still organizing security and safe-passage measures for the strait, including mine-clearing, intelligence support, and communication procedures with coastal states. That means the market is currently pricing the signal of reopening faster than the operational proof of reopening. For investors, that gap is the real story. The short version is that this news is bullish for risk assets in the near term, especially because it attacks the most dangerous part of the prior market narrative: a prolonged oil shock feeding directly into global inflation and growth fears. But the durability of the move will depend on whether ships actually move normally, insurance and freight conditions stabilize, and the ceasefire itself holds. For now, the market verdict is clear. Oil treated the statement as a major de-escalation. Equities treated it as confirmation of a relief rally already underway. Crypto moved higher, but with enough hesitation to remind everyone that headlines open the door and real-world flows decide whether the trade can stay open. *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.*

FriendlyPumpkin5662

Reaching **HBAR** = $1 is more realistic than reaching **XRP** = $10 due to *the difference in required market capitalization.* * XRP is a more mature and stable project, meaning lower risk but slower growth. * HBAR is smaller, therefore higher risk but potentially higher returns. **Conclusion**: # Probability of Target: HBAR is higher # Investment Quality and Stability: XRP is higher

edmcryptodad

Why is that so hard to believe? Lol. I cashed out most of it Sept 25th and the rest before the big dump in late October. I was so relieved. 😅 My portfolio’s ATH was about $105k, I sold and walked with $97k. Paid off my truck 6yrs early ($40k), put down 1/3 ($24k) of a new 30” travel trailer last week, $6k on a vacation and I have $27k leftover. Thank you XRP. Starting June I’m gonna DCA $500/mo into BTC only and try again. I’m guessing you lost your shirt or you wouldn’t be so salty. 🤣

illcutit

Yeah the HBAR and XRP/Ripple use case arguments rely heavily on thinking in traditional finance/banking whereas crypto as a whole is an evolutionary technology within that realm. It’s like making a better bolt action rifle for your army when gas operated weapon systems are coming around or focusing on better image quality with black and white cameras meanwhile people are developing color cameras.

MakCapital

This is so bad. Bitcoin can simply be seen as a great SOV and measurement of global wealth. That's all it needs to be for a strong base case. Already accomplished. XRP and HBAR have no interesting fundamentals or users. No back room deal with anyone is going to get the world on XRP. Both would already have users if the current offerings were of any interest to anyone. They will never be valued like BTC. Stables on Solana already make XRP's leading advertised use case pointless. "Web3" is currently Ethereum, Solana, and Hyperliquid. No one is asking for, using, or needs HBAR or XRP. Neither will ever be valued as currency or "digital gold/silver". Neither offers a product that exceeds the current leaders we already use.

VladVonVulkan

XRP guy the child in his basement

PuzzleheadedBell4057

If I pulled a dollar out of my pants pocket 3 years ago I would have pulled a dollar out of my pants pocket 3 years ago. Now let's say I placed that dollar back in my pants pocket, took them off when I got home, hung the pants up and didn't touch the pants until today Today I put the pants on and I find that same dollar in my pants. It's still the same dollar. The issue is the dollar won't be able to purchase as much as it did 3 years ago, but it's still a dollar. A dollar is still a dollar. The confusion appears to be that the units of currency are being confused with the purchasing power of said units. One dollar will always be one dollar. One Bitcoin will always be one Bitcoin. The units remain the same, however, the purchasing power of each of those units is what changes. I can only purchase half of what I could with one Bitcoin today compared to 6 month ago if I were to use it to make a purchase. But it's still one Bitcoin. Look, crypto makes up 20% of my portfolio (5%ea BTC, ETH, SOL, XRP) so it's not like I'm against the currency. I'm just not so much of a zealot about crypto as to try to defend it with irrational defenses. They're investments like any other in my portfolio that I hope increase in value over the next 10 or so years. That's all they are.

funkinaround

4th thing is wash trading. Don't trade on an exchange that inflates its volume to give you the illusion of activity. Only trade on exchanges with very low or no wash trading volume. For major pairs like BTC, ETH, XRP, and LTC, exchange wash trading percent: * OKX - 66% of volume is wash trading * Binance - 51% of volume is wash trading * Bitstamp, Coinbase, Gemini, Bitfinex - practically no wash trading [https://www.nber.org/papers/w30783](https://www.nber.org/papers/w30783)

Ambitious_Use_9578

The advice being given here is all the usual boilerplate WRT crypto. The really good industry finger-on-the-pulse stuff, or inner circle knowledge isn't given away at all, let alone for free on a reddit thread. But here's some more boilerplate for you, pick any of the top 10 cryptos that meet your criteria. XRP being among them. If the market tanks this summer due to worsening economic conditions and or civil unrest, hang on. This and most of the top 10 will rebound and then some. I still like Cardano too, but you pays your money and takes your chances.

CoffeeAlternative647

You forgot to shill #XRP

oak1337

https://preview.redd.it/znc84im5zkvg1.jpeg?width=1079&format=pjpg&auto=webp&s=1bcfc9e9a2ac40b9858ea8cd427d2b090ddab286 Hedera vs XRP

Equivalent-Bear8030

You’re basically choosing between narratives. XRP = regulation + banking narrative. It moves when headlines, partnerships, or legal clarity hit. Big upside needs global adoption to actually translate into price. HBAR = tech + enterprise rails. Strong fundamentals, but slower market recognition and less hype fuel. Real talk? Both need massive market cap expansion to hit those targets. $10 XRP or $1 HBAR isn’t impossible—but it’s not just “time,” it’s adoption + liquidity. If you’re going all-in on one: 👉 XRP = momentum + narrative plays 👉 HBAR = long-term utility bet Personally? I don’t chase “which hits X price.” I look at which survives when the hype dies. That’s where most people get wrecked. 💯

KateR_H0l1day

I have some XRP, not a lot, have a lot more HBAR, but that’s just me, did I choose correctly, we will see 🤷‍♀️. But for clarification, neither are my main selection.

BenniBoom707

The chances of HBAR hitting $1 are far greater than the chance of XRP hitting $10. A $1 HBAR is still just about a $40 Billion Market Cap. A $10 XRP means a Market cap around $500 Billion.

Quinthyll

Why are you not willing to invest in both? Diversification is the better strategy, but far. There are good use cases for both. Both have upside, but could and likely will move on different timescales. I personally believe more strongly in XRP than HBAR, which is why I own 5x more XRP.

chubs66

XRP is one of the last tokens i would ever buy. Terrible usage, terrible tokenomics.

HSuke

Yeah. That's the same reason we consider XRP to be sketchy AF. Founders and Ripple control far too much of the supply.

No-Unit-6074

For a 3–5 year decision, the ideal approach is not just to compare price targets (nobody really knows them) but the fundamentals: tokenomics, dilution rate, real network activity, decentralization. I used [CryptoScores.com](http://CryptoScores.com) to compare both, it aggregates a lot of on-chain and fundamental metrics on projects. HBAR actually comes out better on technical solidity and low inflation, XRP has more volume and institutional liquidity. In the end it comes down to risk profile, but having data in front of you really helps make the call.

ChangeNOW_Community

no one can realistically "call" $10 XRP vs $1 HBAR with any confidence - they’re driven by different narratives

Whiskey_Water

Investing in BTC is investing in greed, investing in XRP is betting on Brad’s ability to make backroom deals with the current admin, and investing in HBAR is betting on fundamentals and utility of a clearly superior technology. I used XRP gains to buy more HBAR and BTC, but if I’m honest, I’ve been burned by focusing on the best tech before. We’ll see what happens this time, lol. I’m a creature of habit.

Think-Sector-6329

Hmmm focus more on XRP for the safer bet and HBAR for the bigger upside bet. But focus more on price targets and more on where real momentum and wallet activity are. You can also check tools like Blueblocx to explore other crypto opportunities to help you decide.

evandollardon

XRP imo. I bought years ago and I just accumulate interest on it at nexo

CreatineAddiction

I know you said not both but I do both because XRP has the hype to reach $10 in that time but bad ongoing token dilution where HBAR has less token dilution but not the hype. Im optimistic they will both hit these milestones in the time frame regardless.