XRP

CaptainTrader32

I am not at a loss at the moment. In fact, I am up enough on my XRP investments..

Ev_Watching

I’d separate 3 things that usually get mashed together: holding risk, yield risk, and borrowing risk. Your BTC/ETH/SOL/XRP already move around a lot. If you borrow USDC against them, you’ve added liquidation risk on top of price risk, which is where “my money is sleeping” can turn into “my money got woken up by a margin call.” Very annoying alarm clock. If I were learning this with $5k, I’d keep the long-term stack simple, then carve out a small sandbox for DeFi. Try something boring first: a small amount of USDC on a major lending market like Aave, understand where the yield comes from, how withdrawals work, what chain you’re on, and what can break. The question I’d ask before any yield product is: who’s paying me, why are they paying me, and what has to go wrong for me to lose money? I write about this stuff at Boring Money, mostly stablecoin yield and DeFi risk, and that’s still the filter I use. If you can’t explain the APY in 2 sentences, size it like tuition, not savings.

PuzzleheadedBell4057

Too much analysis. I just keep it simple. The 15th of every month $200 ea into BTC, ETH, SOL, XRP. No charts required. No thinking required. The only thing required is to take action.

johnmonaco87

Even if XRP reaches $12, some of us are looking at a 100k+ profit. I was just asking about how accurate past predictions have been. If purchased 10k coins at $1.30, even reaching $5, more than triples your investment.

Electronic_Quote399

Please tell me why market cap does not matter. No it is not a "cap" as in a limit, it's a representation. The supply x price. If the 61.7 billion XRP are worth $1k each, thats 61.7 trillion real dollars that have to sit on chain. There is not that much money in the world.

Letsgotothemovie

You can’t move value if you have no value. Lay off the weed. You go buy $1b in XRP and you’ll get rugged so fast your head will spin. Buy $1b XRP and the piece will TANK and when people ask “what happened why did it tank” and someone will say “a whale sold $1b and of course that will tank the price when a whale sells”. Yea the whale is Ripple Labs and they just took your money. You can still send all the XRP you bought for $1b but its value won’t be $1b so you lost the spread. Any coin that had any kind of issuance or pre sale is a scam. The only person that could sell you $1b with of XRP is the people that created XRP and they will. The price will tank and maybe they buy it back from you at a 40% loss or an 80% loss but regardless you’re going to lose.

Chickensrock1977

Why compare to BTC? XRP value will be determined by demand, not an arbitrary market cap, especially as demand grows.

GruesomeDead

Stablecoins are like roads inside a city, they move value well within a system. XRP is like a highway connecting cities, it bridges different systems without needing every route pre-funded. Stablecoins are tied to specific currencies and work inside their own systems. XRP is neutral and designed to bridge between those systems, so value can move globally without needing pre-funded liquidity or relying on another country’s currency. XRP isn’t useless unless the world runs on a single currency—or every currency pair is perfectly pre-funded everywhere.

xrpiswheretobe

XRP with the Clarity Act passage will explode with institutional adoption! Get yourself some! The world will move liquidity on the Ripple/XRP network. Been buying since 2019. Its exciting to be alive and watch this become reality. May will be the month!

AutoModerator

Post is by: johnmonaco87 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1sybjkz/historical_predictions/ So, I've followed BitCoin since it's launch and regret listening to family members about investing in it. Years went buy and I did not follow any other crypto at all or invested. I started about 2 months ago with major coins such as Ethereum and Solana. However, I also purchased many XRP and others. So, my question is how accurate were price predictions from coins from about 2016 to 2024? I'm curious with the current predictions with coins like XRP. My friend purchased 14k coins, with the 10 year predictions from "experts". I have about 100 and plan to purchase more. But, all these predictions show that Ethereum could reach 10k by 2030 and more in later years. How accurate have these predictions been in the past? I'm putting all my extra money after expenses and normal investing into crypto. *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.*

SubstantialBand4999

**Odvajanje se već događa, ali ga vecina ne vidi.** Institucije ne kupuju na berzama gde ti pratiš cenu. Koriste OTC, VWAP algoritme i tamne bazene. Akumuliraju mesecima, a cena se ne pomera. Zato i mislimo da se ništa ne dešava. Ripple je do sada potpisao **1.700 NDAs** sa velikim igračima ( vladama, globalnim bankama, Fortune 500 kompanijama). Ne potpisuješ NDA ako nešto ne spremaš. Zar ne? I dok svi čekaju CLARITY Act, XRP već ima ono što drugima tek treba. **Jedini je digitalni asset koji je američki sud zvanično proglasio "nije hartija od vrednosti"** \- presuda iz 2023, finalizovana prošle godine. To mu daje jedinstvenu prednost kada ova orkestrirana kriza donese još veće probleme sa likvidnošću. Trenutno traje gomilanje... Vrlo brzo dolazi supply shock. Kada se rezerve u tamnim bazenima iscrpe, krenuće se na menjacnice. To znači eksplozivan rast cene. I tada **potpuno odvajanje**. XRP postaje backbone finansijskog sistema. To je trenutno najjaci utility token. Do trenutka supply shocka, makro i dalje vodi cenu. Posle toga, više ne. XRP postaje resenje za krizu. Monika Long predsednica Ripla je rekla da je konacna godina institucionalnog usvajanja i koriscenja XRP-a, 2026-a. A ta zenska, ne daje olako ovakve izjave. Inace, XRP ima programiranu cenu koja mora biti visoka da bi uspesno radila svoj posao. $10k Ali prvo dolazi 3 cifre, pa kratko zatisje i 4 cifre. Posle tokenizovanja gomile stvari globalno mozes ocekivati i 5 cifara. Ovo je jedna od poslednjih velikih prilika za asimetricno bogacenje u narednih ko zna koliko godina. Da pojacas svoje znaje o XRP-u i digitalnim valutama mozes pratiti Jake Claver, Versan & Vendel Aljarrah, Digital Outlook (David& Judy)...[](https://www.youtube.com/@BlackSwanCapitalist) [](https://www.youtube.com/@BlackSwanCapitalist)

00_Jose_Maria_00

After Bailey rugged so many with Nakamoto and his coddling with shitcoiners, he should be paying plebs to attend his XRP sponsored, Fed plagued, CBDC (aka stablecoins) promoting, shitcoin conference. Even then I would refuse on principle.

brianmonarch

That’s pretty cool about the Ethereum pricing going down. I hadn’t heard that. And yeah… I don’t think one coin will “win” and all the others will fail by the way. I’m sure a good handful will survive. Yeah, apparently Ripple made it so RLUSD can now move between XRP Ledger, Cardano, Ethereum, and Wanchain through Wanchain’s new bridge routes? I haven’t really been following that. I’m guessing all these blue chip cryptos will do great. I basically chimed in when you said it moves like a meme coin. A lot of people just have exaggerated hate for XRP when it’s not deserved. Just my opinion of course.

No-Presentation4698

The amount of social media FUD around it is the indicator. There is an organized disinformation campaign around crypto in general but specifically XRP. Content creators get their accounts cloned and then reposted with text regarding ridiculous predictions like “XRP to 10000 tomorrow!” The more videos that get put out with crazy claims that don’t come true, the more it adds to the doubt when they don’t come true.

ThrobbingMeatGristle

Do you have any crypto on there that is a proof-of-stake coin. If not the new condition doesnt really affect you. It will affect you in the future if you buy any. If you are like me and have a traditional coin like BTC, XRP, XLM etc these would not be affected. There are other conditions you are consenting to besides the POS one, you are also consenting to your KYI documents and PII being sent overseas and will not hold BTC Markets liable if something happens to it. The main issue I have, is the incredibly short notice that was given. Sharp practice and has me evaluating if I want to continue using a company that does this kind of shit.

BTCWallahFXEmpire

I knew the answers but was too lazy to write a long post. Here's a GROK breakdown if it helps: **Very little of what you listed** ***requires*** **XRP today**. Most of it is real activity around the ecosystem (XRPL, Ripple products, tokenization, payments), but **usage ≠ demand for XRP as a settlement asset**. Let’s break it down cleanly. # 1) What actually uses XRP directly today These are the **only categories where XRP demand is structurally tied in**: * **On-Demand Liquidity (ODL)** via Ripple * XRP is used as a **bridge currency** between fiat pairs * Adoption exists, but **limited relative to global payments volume** * **XRPL transaction fees / reserves** * Every transaction burns a tiny amount of XRP * Accounts require XRP reserves * → Real usage, but **economically small** * **Speculative + treasury holdings** * Exchanges, whales, some institutions hold XRP * This is still the **dominant demand driver** 👉 Bottom line: **XRP is used, but not at scale relative to the narratives** # 2) Projects you listed — what they actually use # Tokenization / RWA (Kyobo, “$2B → $100B” narrative) * Likely built on **XRPL or similar rails** * Uses: * Ledger for issuance & settlement * Does **NOT require XRP** * Tokens can settle without XRP (just like ERC-20s on Ethereum) 👉 XRP role: **optional liquidity layer, not mandatory** # Rakuten (44M users) * If integrated, it’s: * Payments infra * Possibly wallets or loyalty systems * No evidence XRP is used as settlement currency 👉 XRP role: **none unless explicitly using ODL** # Mastercard + Gemini card * Mastercard + Gemini * This is a **crypto rewards / spending card** * Runs on **traditional payment rails** 👉 XRP role: **zero** # Ripple Treasury (ERP integrations) * Real product: enterprise treasury + liquidity management * Companies can: * Move fiat * Use stablecoins (like RLUSD) * Use XRP *if they choose* 👉 XRP role: **optional, not default** # RWA growth ($25M → $2B) * True trend across crypto (also on Ethereum, etc.) * Growth is: * Tokenized assets * Stablecoin rails 👉 XRP role: **XRPL may host assets, but XRP isn’t required** # Energy credit program ($800M) * Likely tokenized credits on-chain * Settlement can happen: * In fiat * In stablecoins * In native tokens (not necessarily XRP) 👉 XRP role: **unclear / likely minimal** # Transactions growth (500K → 4M) * Important but misleading metric Includes: * Token transfers * Internal ledger ops * Possible bot/activity 👉 Does NOT imply XRP demand growth directly # Exchange supply at 7-year low * This is: * **Market structure / holding behavior** * Not utility 👉 Bullish signal ≠ usage signal # Evernorth $1B treasury claim * No verified public confirmation (as of now) * Even if true: * Likely treasury tooling * Could use fiat or stablecoins 👉 XRP role: **uncertain** # “Clarity will disproportionately help XRP” * Regulatory clarity helps: * All compliant assets * Stablecoins arguably more 👉 XRP may benefit, but **not uniquely** # 3) The core misunderstanding You’re mixing three layers: |Layer|What’s growing|Does it need XRP?| |:-|:-|:-| |**Infrastructure**|XRPL, Ripple products|❌ No| |**Assets**|RWAs, stablecoins|❌ No| |**Settlement**|Payments|⚠️ Sometimes (ODL only)| 👉 Most growth is happening in **layer 1 & 2**, not in XRP usage. # 4) The real constraint on XRP adoption Why XRP isn’t used more: * **Stablecoins are simpler** * No volatility risk * **Banks prefer fiat rails** * **ODL requires liquidity + trust on both ends** * Competition from: * Ethereum * Stellar * Stablecoin ecosystems (USDC, USDT) # Final takeaway * **Most of what you listed is real progress — but for XRPL/Ripple, not XRP itself** * XRP today is: * **Partially used (ODL, fees)** * **Mostly held (speculation, treasury)** * The “everything will use XRP” thesis: * Depends on **ODL becoming dominant globally** * That hasn’t happened yet If you want, I can quantify **how much of Ripple’s total volume actually flows through XRP vs fiat/stablecoins** — that’s where the reality becomes very clear.

brianmonarch

Well, you should do whatever you think you should do. I think XRP is one of the most undervalued assets available right now. But that’s just my opinion. Time will tell. 👍🏻

CaptainTrader32

Points taken! Still doesn't answer the questions I raised. Why do we need XRP when stablecoins exist and can do the same task without risking price fluctuations? Yeah, you can now call XRP an L1 token, but then it's competing with Ethereum and Solana. XRPL is too centralized to begin with if thats even an argument for you.

CaptainTrader32

Man, you don't think I didn't dig the rabbit hole enough before coming to this community. I have five figures invested in this coin, but it hasn't sold, and I was merely doubting my own conviction. I am not sure why a civil discussion turns into an ego war all of a sudden. If you have incredible inputs to make, then just make them. I am sure many will agree with you. Just don't be angry lol. I can have my money transferred within seconds, even without XRP. You are talking about the settlement layer, not the coin. Just put RLUSD over it, and it'll do the same task irrespective of XRP. Transactions take time because of compliance, not because the processing is insufficient. Why does XRP even exist as a payment rail, when hardly any institution is using it, simply coz it can change values in dollar terms within those three seconds you mentioned? Lets start from there.

CaptainTrader32

Not sure who those ' people' are, but I'll take your word on it, since I consider myself the last of the idiots in this super smart world. Anyway, I was anticipating a 'Bitcoin maximalist' retort, but that still doesn't explain what Ripple wants to do with XRP. Had enough answers in this subreddit already, and I am going ahead with rotating all my XRP profits into good, undervalued assets.

brianmonarch

You are absolutely right. XRP follows bitcoin. Just like all the top coins do. But your original claim was that it moves like a meme coin. In essence that would mean bitcoin does as well. That’s the only point I was making. I don’t care which one moves first. I care which one moves hardest. Are you aware that there are banks that are using XRP right now? Please look it up. There are companies that use XRP. It is being used for its utility right now. I would tell you to use your favorite LLM like ChatGPT or Claude and ask it. But some people would say those aren’t reliable. But in general, they get the facts straight. Or just google it. I think you might be wrong about Ethereum. The gas fees are too unpredictable and high. It’s just not going to happen. Why would anybody do that when they can close a transaction for .0005? The lightning network is generally very cheap. But if there is larger moments of congestion, it could cost between one and $12. Check it out. Google it. The transaction fee is not a penny. It’s .00005 or something like that. It’s a fraction of a penny. And I’m not some crazy XRP army person who thinks it’s going to $100. If that happens, I’ll worry about the fees then after I cash out my last Moon bag. Haha. All that being said… I appreciate your willingness to have a civil debate unlike a lot of people on these threads. 👍🏻

brianmonarch

What are you talking about? XRP moves in tandem with bitcoin and Ethereum. Zoom out and look at the charts. Wow. Don’t make up narratives to win a debate about something you hate. Yeah, I already talked about the lightning network on this thread. But to rehash… Being decentralized can be a pro and a con. People always look at ripples some big evil controlling empire… But that’s not the case. They are bringing huge institutions to the table. Nobody is doing that for bitcoin because there is no company behind it. Who cares. It’s just a bunch of bitcoin maximalists in an echo chamber, talking to each other about how great it is. It’s the slowest, oldest, least green coin out there. And you’re wrong. Research it before you come here. They are making money off of XRP and it’s use case. Yes, they do sell it. But…. The sales of XRP through Ripple are on an escrow schedule. It’s the same every month. It doesn’t even affect the price. Hey, if you think some big company is going to start using bitcoin and the lightning network on its own accord…. I think you are sadly mistaken. Both are plenty fast and would be considered “real time transactions”… But XRP’s fee is always .0005 per transaction. The lightning network requires unchained bitcoin transactions and it could cost one to $12 during congestion. Way less predictable than the flat fee of way under a penny, that XRP provides. Look it up if you don’t believe that. That’s a huge factor right there. Are you gonna run your business when a transaction might cost $12 when you could do it with XRP for a fraction of a penny? XRP is greener. That’s a fact. By a wide margin. I know that all the bitcoin people love decentralization. But real people want somebody they can come to when there’s a problem. Nothing I’m saying is made up or wrong. If I am incorrect about something, please let me know.

therealashlii

I have most of my bag in XRP and I recently just got some HBAR & AAVE as well. Get some XRP while it’s cheap!

RETIROTECH

CC-CANTON is (DOING)everything XRP said they would do

quantum_burp

Ripple the company, is very different to XRP the token

patbagger

Why did you buy XRP? - It's not a get rich quick scheme, so you can hold through the bear run and sell during the bull run, or you can sell now and be disappointed later.

XLinkJoker

Investing into XRP instead, that all changed when I actually sat down and studied Bitcoin.

Ok-Society8722

It’s not meant to be valuable it’s meant to move value lol. How much value can be moved in the world? How much of that will XRP capture is the real question. I can tell you there is enough that will make XRP valuable.

HypnoticonymLow

I feel like XRP has barely moved overtime.

Letsgotothemovie

Now multiply that number by 1,000,000 because each XRP can be broken down into 1m “drops”. Thats the actual number of units of measurement in the blockchain. There are 2.1 quadrillion units in the Bitcoin network and 100 quadrillion units in XRP. Think about that. Scarcity is not a feature of XRP therefore it will never be valuable.

Letsgotothemovie

Blaaaaaaahaha. XRP has been around since 2014. It’s never going up.

brianmonarch

I don’t disagree with that… But they don’t have a big company like ripple behind them to push it to these institutions. The companies will have to do it on their own accord. And generally institutions don’t do things like that. XRP doesn’t need an extra layer. It’s built-in and ready to go. And it’s a fraction of a penny to use it, no matter how much money you were sending. It’s just better. It’s greener. It’s just way more efficient and cost-effective for companies to use.

brianmonarch

I don’t disagree with that. That’s because of the SEC trial. Which XRP gained legal clarity through. (not being a security) Obviously it was suppressed by that for multiple years. Even during that fiasco, XRP remains in the top 10 coins by market cap the entire time. Ripple made billions of dollars. The coin just works really well and they have a great team. I don’t know why it has so much hate. It just comes off as fear from bitcoin peeps because their coin is slower, less green, doesn’t have utility and only has a store of value at this point. Which might be enough to get it to $1 million. I’m not saying it’s not. But it’s never going to be a utility coin that does much besides being the first and having a lot of fans.

IInsulince

“Just ask an AI to confirm your preconceived notions”. The absolute state of XRP holders.

brianmonarch

Fair enough. But normally, when people say that sort of thing they are referring to public shareholders. Either way…. The XRP hate is coming from a bitcoin maximalist vacuum chamber point of view 99% of the time.

zesushv

It's movement might be related to its ETF... XRP does not have bitcoin's support, ETF exposure was bound to have a weird impact on it. How XRP responds to this new liquidity and price tussle will determine if XRP can continue to draw positive attention or go back to its previous docile state in terms of price.

zples

Do you know how these cross-border transfers through XRP work? Don't they seem strange to you? Like, why use XRP at all if you can get any asset, go to an exchanger, and get fiat just like that, only you don't have to use XRP for that. So what's the "revolution" about XRP?

Yee4614

Let’s look at just projects that just went live… - Kyobo finished its pilot and should bring 1B plus in bonds online soon (100B company planning to bring it all online eventually) - Ratuken is live with like 44M users - Mastercard is live with the Gemini card (200k users) - Ripple treasury went live with 1000 major companies - Transactions went from 500k apr 25 to 4M in Apr 26 and the speculative to payment ratio is at all time low - Supply of XRP is at a 7 year low (on exchange) - Evernorth is launching XRP treasury and will spend 1B in a few days - Clarity will disproportionately help XRP if it passes Again… all of this is well known and easy to find with 30 seconds of research

Salty_Sabuteur

You keep confusing Ripple with XRP But go ahead, im sure ull make it 😂

yadius

Look at the list of banks in the XRP network. They are all involved in remittance payments to developing countries. XRP isn’t competing with City of London investment bank FOREX desks, it’s competing with Western Union.

Worried-Low4580

lol first of all nothing is for certain, and this is a bet just like any other investment. Whether stablecoins push it out of market is yet to be seen. But I love this brain dead argument - “Banks are only adopting the rails, there is no XRP utility 🥴”. Soooo you acknowledge that GSIBs are adopting the technology pre-regulatory clarity and think they will sit on the rails and ignore cost savings once regulatory transparency is achieved? Does this sound like banking operations to you 🤦🏻‍♂️ Absolute brain dead argument. Any other crypto company having a partnership with a GSIB like JPMC would be explosive.

Think-Sector-6329

Your concerns are valid tbh. XRP's narrative has shifted a lot and that makes conviction harder. They escrow/sell pressure isn't hidden, but it's still worth factoring in. And yea, XRP social media is extremely noisy. I checked blueblocx and it's not even included in the top crypto the past 24 hours

StretcherEctum

XRP is dead...

harl_vann

All 4 of your concerns are valid. I’ve been in crypto since 2017 but never held 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?

AutoModerator

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 ??

AutoModerator

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

AutoModerator

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.

AutoModerator

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.

AutoModerator

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.

AutoModerator

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.*

AutoModerator

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.

AutoModerator

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.