XRP

Terver_pulse

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

Optimal_Reserve_9649

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

Silent-Inside8488

Does Nancy Pilosi have XRP?

AlternativeHunter543

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

opensandshuts

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

JustStopppingBye

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

etha_an41

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

CounterAdmirable4218

TLDR - paper handed some XRP.

TheRicFlairDrip

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

AlternativeHunter543

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

BrianBBaldwin

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

VendettaKarma

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

JustStopppingBye

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

TCr0wn

Idiots like you is why they buy link and XRP

OBEACHIBIZA

XRP also making major deal in Asia

OBEACHIBIZA

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

OBEACHIBIZA

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

Timovic9

XRP to the moon

Purple-Wall3847

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

AlternativeHunter543

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

ZealousidealMonk1728

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

JimmySki6166

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

PuttForDough

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

liquid_at

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

Holiday-Bonus-6149

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

Dangerous-Bed-5885

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

Donut_Dogs

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

BrilliantLazy9882

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

Radiant-Age-3590

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

MrDiamondHands67

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

BrianBBaldwin

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

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Reasonable_Big5177

XRP and sui = loosing money for sure

spencerocean

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

Jenn2895

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

EnronCheshire

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

Gnosis87

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

MCL-Jonathan

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

_Underscore_Unders

I prefer lottery tickets over XRP.

Infinite-Office-7927

XRP is 💀

Suitable_Acadia_190

Minus the XRP yes (NFA)

Only-Environment7550

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

Jenn2895

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

Jenn2895

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

Jenn2895

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

Jenn2895

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

Jenn2895

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

TheDigitalPoint

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

Mulvita43

This is why XRP can easily be 10k a coin

Greater-Israel

All alt coins can do faster transanctions Monero is untracebale Dogecoin is inlfatory like a real currency and is partner mined with Litecoin so extra security for the chains and gains for the miners XRP has direct bank acceptance Ethereum and Solana their own ecosystems with many tokens Bitcoin is just the oldest, a novelty that will be of lesser importance once cryptocurrencies get common adoption. This might take 30 years, it might take 130 years, it might take 230 years but it will happen eventually. Of course when the time horizon becomes this big we do not care but it's just an argument that it's not because it's the best that is traded that much. It is though the reason we have cryptocurrencies to begin with but this doesn't mean much in the grand scheme of things. 26000 years ago humans traded with sea shells and sea shells are the first currency ever. Then they got replaced by valuable stones, semi valuable stones, common stone,s rare stones, then with bronze, silver, gold, iron, etc. We do not still exist saying sea shells are the most valuable currency ever

xooxooxooxo

XRP is a shitcoin forever...

JustStopppingBye

>But wouldn't both sides of the transaction have to agree to use the same stable coin then? Isn't that XRP's argument? If that were the case, then why did Ripple make RLUSD? lol but no. Heres a pilot from Visa working in collaboration with ANZ bank, ChinaAMC and fidelity. They perform a PvP swap using two different stablecoins on two different chains. If Visa can do it, anyone can. [https://www.visa.com.sg/content/dam/VCOM/regional/ap/singapore/global-elements/documents/interim-report-e-hkd-pilot-programme-phase-2.pdf](https://www.visa.com.sg/content/dam/VCOM/regional/ap/singapore/global-elements/documents/interim-report-e-hkd-pilot-programme-phase-2.pdf)

Floridamanfishcam

But wouldn't both sides of the transaction have to agree to use the same stable coin then? Isn't that XRP's argument? That they want to be the ho between and Ripple became a bank that's is2002 compliant or whatever?

JustStopppingBye

Again, no. That was the incentive with the old 2017 XRP thesis, but the problem is that stablecoins and tokenized deposits can provide the same liquidity function without requiring a bank to hold XRP as a volatile 3rd party asset on its balance sheet. Hence why Ripple made their own stablecoin and why were seeing more stablecoins and banks building their own chains. Banks want control over the settlement infrastructure and arent going to give that up just because "XRP settles in 3–5 seconds."

Over_Variation_1007

I bought in on XRP, HBAR, QNT, Solana, and LINK during the bull run so I’m down about 50% on those. I also got lucky and sold my Bitcoin and Ethereum near the top. I also sold about 20% of my XRP at $2.75 last September anticipating a bigger drop. I should have sold more.  During the bear market, I have kept buying, but have mostly focused on XRP, Bitcoin, and Ethereum. I’m down about $10K across the coins at loss, but about even when including Bitcoin and Ethereum. I’ll probably sell during the next bull market whenever that and keep DCA’ng every week or two until then. 

Efficient_Ice_1001

Sorry, I forgot to tell you that XRP went over $3.60 in 2018... https://np.reddit.com/r/CryptoCurrency/comments/7o15iy/ripple_just_crossed_363_usd_wtf/ ...and reached $3.40 in its high of 2025. When accounting for inflation, XRP would have to reach $4.63 to reach the same value it had in 2018. So after 7 years, XRP was still -25% from its value in 2018 when it pumped the most. Congratulations I guess.

JustStopppingBye

From this year and its not a tweet. Its a post on his Linkedin account. >Isn't that what the whole Clarity Act thing clears the way for? No. Youre conflating **r**egulatory clarity with actual economic adoption. The clarity act can make it legally permissible for institutions to hold/use XRP, but it doesnt create a requirement or incentive for banks to put XRP on their balance sheets.

Kind-Ad-7442

Says the guy holding XRP for three years just saying

251325132000

“Still got some faith” - what exactly do you have faith in? We’re still waiting on any bank to use XRP. It ain’t happening.

Efficient_Ice_1001

Post from 9 years ago when XRP was $3.20 with a Bloomberg investigation into the claims that banks are using XRP for international transfers > Bloomberg - Banks do not want to use XRP from Ripple > Well it's been 6 years (since Ripple said that banks were going to use XRP) and it's not growing (XRP usage), the one company we found who is using XRP is a Mexican/U.S company that does remittances and they've done 10 to 15 transactions since October averaging between $500 and $1,000 dollars. That is the only company we've found that is using the digital token for the stated purposes that Ripple puts out on twitter and in other places all the time https://np.reddit.com/r/CryptoCurrency/comments/7t0j1f/bloomberg_banks_do_not_want_to_use_xrp_from_ripple/ XRP was $2.20 in 2017 when this guy sold all his XRP and warned people. Cripples were saying he was posting FUD. 9 years later XRP is at $1 > "You don't own anything of actual value with XRP...crypto investors are buying at $2+ per coin. Banks *DO NOT* want the coins https://np.reddit.com/r/CryptoCurrency/comments/7mxbiq/warning_you_dont_own_anything_of_actual_value/

Floridamanfishcam

I argue with my friend at work about this all the time. I'm not an investor, but, one of the huge arguments against XRP is that it's ONLY a bridge asset so your statement surprises me.

AggravatingGuest1956

My dad passed from esophageal cancer a little over 2 years ago. During his final weeks, He sat us all down and mapped out how everything would collapse and XRP would be the last thing standing. Each one would be worth the equivalent of thousands of dollars in this new economy. He started putting 200$ a month into it when it was at .40 or whatever. We all just stared at him. Especially me that had an idea about crypto. After he passed and it went to what 2.50$ or whatever, we’ll all joked how dad was right and mom was like “You better sell this bullshit right now!”😂

Ollie_639

Bought XRP at the 21’ peak but DCA’d the whole way down thought 22 and ended up being up 500% by the next bull market

JustStopppingBye

>Xrp would also get them out of the pre funded nostra accounts. Bro youre repeating 2017 xrp narratives that dont apply today. XRP is not a bridge asset. Stablecoins and tokenized deposits can provide on demand settlement liquidity, which is what banks and financial market institutions are moving toward, not xrp lol

foxyevolution

RIP. All those gains that could have been yours. I dislike XRP with a passion, but I like money more.

FiltyFrank9

Before it's too late, you can buy XRP now. You can buy it on the BTSE exchange because the trading fees are cheap. 

Floridamanfishcam

Financial institutions use public bridge assets like XRP or XLM because a private blockchain only works if both sending and receiving banks trust and join the exact same closed network. Xrp would also get them out of the pre funded nostra accounts.

sluglife1987

That’s actually one of the better portfolios Iv seen on Reddit. Usually it’s XRP, LINK, Cardano, LTC etc. legacy shit coins that are lower in price than they where 10 years ago

Low-Apricot9917

I heard these people say XRP would be 10 dollars by the end of 2024, then 2025 and now 2026. They say it with the same conviction a Christian will have when they say Christ has risen.

MyNameIzJeff69

You watch too many tiktok and instagram videos. Everyone talking to me about XRP is down too far in that rabbit hole. Sell and invest in a stable stock with your bank if you don't understand investments

DearGodWhyDidntISell

I'll preface by saying I sold 99% of my crypto in 2011 for beer money and food. Was a lot of money at the time for broke me when my 17¢ BTC turned into ~70$ a coin, lived it up. Can't see the future, hard to imagine now but BTC could have faded into oblivion back then. If XRP hasn't gained world changing mass adoption yet don't believe it ever will. That ship sailed. Don't drink that Kool Ade if it goes up it's due to inflation and broader BTC / crypto run. It will eventually go up on a bull run, but could lose years of compounding SP500 gains waiting, your better off in the SP500 or NQ. Even betting on a Fintech, Quantum, or SMR company, etc. Unless your nostradomus, sell it next spike buy some VOO & move on.

Dablicku

I think you're forgetting that a lot of companies are doing this already through RWA tokenisation + liquidity companies that back them up like Steakhouse, Sentora, RockawayX, etc. Most of which is done on the SOL and ETH chain because there is absolutely no use case for XRP when it has been done a 1000x successfully.

Lost-Fig-3248

at this point the biggest bag is not XRP, it’s the sunk cost...3 years is long enough to stop asking “when moon?” and start asking “would I buy it today?”

Sdwood738

XRP solves the liquidity and pre-funding for banks on international wire transfers ​1. The "Exotic Currency" Liquidity Problem If a bank in Japan wants to send money to a bank in Brazil, sending a USD stablecoin means the Brazilian bank receives USD. To turn that into Brazilian Real (BRL), there must be a massive, active local trading market for USD-Stablecoin/BRL. In many developing nations or exotic currency corridors, those order books don't exist with sufficient volume. ​2. Eliminating Nostro/Vostro Accounts (Pre-funding) To settle traditional or stablecoin payments instantly in exotic currencies, financial institutions have to lock up billions of dollars in local bank accounts around the world (Nostro/Vostro accounts) to ensure local cash is available for withdrawal.With stablecoins alone: Banks still need capital parked in every destination country to guarantee immediate fiat off-ramping. ​With XRP as a Universal Bridge Asset: XRP acts as a neutral intermediate currency. Instead of holding local reserves everywhere, a bank buys XRP with local currency, sends it in 3–5 seconds, and converts it to the destination currency on the other end. Capital is freed up because liquidity is pooled into one central asset rather than fragmented across dozens of local fiat pairs. It also saves the business or person tons of money. Below is the amount of money sent to other countries: Per Day: $5 trillion to $7 trillion ​Per Month: $100 trillion to $150 trillion. ​Per Year: $1.2 quadrillion to $1.5 quadrillion (or roughly $150 trillion+ if isolating cross-border transfers alone). Hang on to your xrp. It might be worth something in the future.

Linett-Chukwuemeka61

Yeah, XRP's been a patience test - the SEC lawsuit drama really killed momentum that could've happened years ago. At this point you're either doubling down on your conviction or reconsidering whether that capital could do better elsewhere.

Wise_Owl3777

When a bank locks up $5 billion worth of XRP into an Automated Market Maker (AMM) pool or a Flare Network fXRP treasury vault to earn yield, that $5 billion is added directly to XRP's market cap. However, **none of that locked capital shows up on Ripple's corporate balance sheet as revenue.** Ripple does not own that money; the network does. Therefore, institutional asset locking drives the token's value exponentially faster than it drives the company's equity value.

Wise_Owl3777

When a bank locks up $5 billion worth of XRP into an Automated Market Maker (AMM) pool or a Flare Network fXRP treasury vault to earn yield, that $5 billion is added directly to XRP's market cap. However, **none of that locked capital shows up on Ripple's corporate balance sheet as revenue.** Ripple does not own that money; the network does. Therefore, institutional asset locking drives the token's value exponentially faster than it drives the company's equity value.

Wise_Owl3777

When a bank locks up $5 billion worth of XRP into an Automated Market Maker (AMM) pool or a Flare Network fXRP treasury vault to earn yield, that $5 billion is added directly to XRP's market cap. However, **none of that locked capital shows up on Ripple's corporate balance sheet as revenue.** Ripple does not own that money; the network does. Therefore, institutional asset locking drives the token's value exponentially faster than it drives the company's equity value.

Wise_Owl3777

Yes, over a 3-to-5-year horizon of deep institutional adoption, **the market capitalization of the XRP token will almost certainly be significantly higher than the corporate market value of Ripple Labs.** This outcome is a structural certainty of how public decentralized networks scale compared to the private companies that build them. # 📊 1. The "Network vs. Company" Scaling Law To understand why the token cap will outgrow the corporate valuation, you have to look at the different economic laws that govern their growth: * **Ripple’s Valuation Corporate Ceiling:** Ripple is a software and financial services company. Its valuation is calculated by Wall Street based on standard corporate metrics: revenues, profit margins, software licensing fees, and the fees it earns from managing the **RLUSD stablecoin**. Even as a highly successful global fintech giant, corporate valuations face practical limits based on earnings multipliers. \[1, 2\] * **XRP's Token Liquidity Floor:** The XRP token is a global macroeconomic utility asset. Its market capitalization must scale proportionally with the **total amount of value moving across the network simultaneously**. * **The Math:** If institutions use XRP to retire Nostro/Vostro accounts and settle just **5% to 10% of global cross-border payments**, the network will be moving hundreds of billions of dollars per day. To facilitate that volume without massive price slippage, the order books must be incredibly deep. The token market cap *must* rise into the hundreds of billions—and potentially touch the trillion-dollar mark—simply to provide the liquidity required to swallow that institutional volume. \[3, 4, 5\] # 🔎 2. The Multiplier Effect of the "Collateral" Thesis As you correctly noted in your previous thesis, institutions view XRP as a highly liquid, compliant **collateral layer** and a universal bridging tool. This creates a massive valuation disconnect: \[6, 7, 8\] [Ripple Corporate Revenue] ➡️ Restricted to software sales & transaction micro-fees. ↓ [XRP Token Capital Pool] ➡️ Absorbs trillions of dollars of unlocked Nostro/Vostro capital. When a bank locks up $5 billion worth of XRP into an Automated Market Maker (AMM) pool or a Flare Network fXRP treasury vault to earn yield, that $5 billion is added directly to XRP's market cap. However, **none of that locked capital shows up on Ripple's corporate balance sheet as revenue.** Ripple does not own that money; the network does. Therefore, institutional asset locking drives the token's value exponentially faster than it drives the company's equity value. \[9, 10\] # ⚠️ 3. The Short-Term Exception (The Present Day) Right now, we are witnessing the exact opposite of this long-term trend, which can be confusing: * **The Current State:** Ripple is valued at **$50 billion** via its private share buybacks, while XRP sits at roughly **$1.00**, giving it a circulating market cap of around **$55 billion to $60 billion**. They are almost equal. \[11, 12\] * **Why it's happening:** Wall Street is currently valuing Ripple heavily based on its massive corporate war chest, its OCC trust charter, and its software dominance, while the open market is still pricing the XRP token with a heavy "speculation discount" because widespread banking adoption of On-Demand Liquidity (ODL) is still in its early rollout phases. \[13, 14, 15, 16, 17\] # 💡 The Ultimate Verdict The corporate value of Ripple acts as the **launchpad**, but the XRP token market cap is the **rocket**. Once the infrastructure is built and the [CLARITY Act](https://polymarket.com/) rules are fully implemented, Ripple's corporate value will steady out like a premium legacy stock (similar to Visa or SWIFT). Meanwhile, the XRP token market cap will decouple entirely, expanding to reflect its role as the high-velocity liquidity engine of the global financial system. \[18\] If you would like to look deeper into this decoupling, let me know if we should explore: * How **Visa or Mastercard's corporate values** compare to the total volume of money moving through their networks. * The exact **liquidity density formulas** banks use to calculate how much XRP they need to hold. * How a **global macro shift toward tokenized real-world assets (RWAs)** accelerates this gap. \[1\] [https://equityzen.com](https://equityzen.com/company/ripplelabs/) \[2\] [https://www.gartner.com](https://www.gartner.com/reviews/product/ripple) \[3\] [https://www.binance.com](https://www.binance.com/en-IN/square/post/29632674043729) \[4\] [https://pluang.com](https://pluang.com/en/news-feed/xrp-bisa-capai-pasar-1-triliun-jika-ekosistem-dan-tokenisasi-rwa-meningkat) \[5\] [https://www.tradingview.com](https://www.tradingview.com/news/newsbtc:ca386664c094b:0-crypto-bombshell-developer-claims-xrp-could-hit-20-000/) \[6\] [https://www.binance.com](https://www.binance.com/en/square/post/19284855646729) \[7\] [https://www.binance.com](https://www.binance.com/en/square/post/316297177955458) \[8\] [https://www.tradingview.com](https://www.tradingview.com/symbols/XRPGBP/ideas/) \[9\] [https://finance.yahoo.com](https://finance.yahoo.com/markets/crypto/articles/ripple-xrp-news-elizabeth-warren-130035714.html) \[10\] [https://qz.com](https://qz.com/bitcoin-ether-etf-solana-xrp-sec-1851664387) \[11\] [https://finance.yahoo.com](https://finance.yahoo.com/markets/crypto/articles/ripple-thriving-xrp-holders-arent-052000222.html) \[12\] [https://finance.yahoo.com](https://finance.yahoo.com/markets/crypto/articles/prediction-xrp-worth-much-5-171800435.html) \[13\] [https://www.binance.com](https://www.binance.com/en-BH/price/xrp) \[14\] [https://coincub.com](https://coincub.com/price-prediction/xrp-2026/) \[15\] [https://www.dlnews.com](https://www.dlnews.com/articles/deals/xrp-firm-ripple-triples-valuation-with-strategic-raise/) \[16\] [https://finance.yahoo.com](https://finance.yahoo.com/news/why-ripple-rosy-50bn-valuation-115351850.html) \[17\] [https://www.binance.com](https://www.binance.com/en/square/post/34558510435778) \[18\] [https://www.linkedin.com](https://www.linkedin.com/posts/roundtablecoalition_watch-digital-ascension-group-chairman-jake-activity-7470544767341223937-fQNU)

Wise_Owl3777

The integration of **Flare Network** and its synthetic token, **fXRP**, introduces a powerful dual-incentive engine that systematically locks up billions of XRP tokens. Instead of sitting dormant as plain capital, it transforms XRP into **productive, high-yield institutional collateral** without modifying the core XRP Ledger (XRPL). \[1, 2, 3\] # 🔎 The Core Problem Flare Solves The XRPL is phenomenally fast and secure for transactions, but it does not support complex, Turing-complete smart contracts. Historically, if a tier-1 bank or corporate treasury held $500 million in XRP, that capital sat entirely idle. \[4, 5, 6\] [Flare Network](https://flare.network/) acts as the programmable, EVM-compatible layer for the XRPL. Through its **FAssets protocol**, it safely ports XRP's massive liquidity into the decentralized finance (DeFi) and options markets. \[5, 7, 8, 9\] # 💡 The Mechanics of the Institutional Lockup The lockup of billions of XRP via Flare does not happen through artificial corporate rules; it is driven by mathematical protocol incentives and institutional custody: \[10\] * **The Over-Collateralized Minting System:** To create 1 fXRP on the Flare Network, a user or institution must deposit 1 physical XRP into a secure, trust-minimized smart contract vault on the XRPL. Crucially, independent network agents must back that minting process by locking up extra collateral (in FLR tokens or stablecoins) to insure against market volatility. This means every single circulating fXRP represents native XRP locked permanently on the base ledger. \[11, 12, 13, 14, 15\] * **Enterprise-Grade Onramps:** Major institutional digital asset custodians, such as [Hex Trust](https://flare.network/news/flare-expands-institutional-access-to-fxrp-minting-and-flr-staking-with-hex-trust), provide direct corporate gateways to mint fXRP. This allows large hedge funds and banks to safely put their XRP to work within regulated, high-compliance environments. \[1\] * **The "One-Click" Treasury Vault:** Historically, bridging crypto assets was logistically complex and legally risky. Through modern infrastructure updates like **Flare Smart Accounts (FSA)**, institutional platforms can commit capital to yield vaults in a single transaction directly from cold hardware storage. Corporate treasuries (such as *VivoPower* and *Everything Blockchain Inc.*) have deployed hundreds of millions of dollars into this "XRPFi" framework to extract passive yield. \[1, 6, 7, 16, 17\] # 📊 Where the Locked XRP Flows Once native XRP is converted into fXRP, it is absorbed into major multi-million dollar liquidity sinks across the broader crypto economy, removing tokens from active market circulation: * **Institutional Stablecoin Vaults:** Millions of fXRP are locked into massive lending vaults on decentralized protocols like Morpho Blue, acting as pristine collateral to borrow institutional stablecoins like [Ripple USD (RLUSD)](https://ripple.com/products/stablecoin/) and USDT. \[18, 19\] * **On-Chain Options & Hedging:** Platforms like [Derive](https://cryptopotato.com/big-win-for-xrp-holders-on-chain-options-arrive-via-flares-fxrp/) accept fXRP as collateral for institutional traders to execute portfolio margin strategies, write options, and hedge their spot crypto exposure without moving their assets onto centralized exchanges. \[9, 11\] * **DeFi Money Markets:** Over 80% of all minted fXRP is deployed inside decentralized applications to supply automated liquidity pools, further tightening the liquid circulating supply. \[20\] # 📈 Structural Economic Impact |Mechanism|Operational Layer|Impact on XRP Market Supply| |:-|:-|:-| |**FAsset Minting**|XRPL Smart Vaults.|**High Deflationary Pressure.** Pins native XRP supply 1-to-1 behind synthetic tokens.| |**Treasury Allocation**|Public Corporate Balance Sheets.|**Long-term Lockup.** Takes massive, multi-million dollar corporate blocks off the secondary market.| |**Derivatives Collateral**|Decentralized Clearing Pools.|**Supply Absorption.** Ties up millions in capital to cover options margins and lending risk.| # ➡️ The Bottom Line Flare and fXRP change the game by making the token **productive**. While Ripple's ODL uses XRP as high-velocity, 3-second transactional gas, Flare operates on the exact opposite spectrum: it encourages institutions to freeze their XRP long-term inside smart contracts to maximize treasury yield. Combined, these two dynamics squeeze the open market from both sides. \[1, 16, 17\] Would you like to examine the exact **yield percentages** corporate treasuries are capturing through fXRP, or look into the security features of the **Flare Data Connector** that prevents bridge hacks? \[19, 21, 22, 23\] \[1\] [https://flare.network](https://flare.network/news/flare-expands-institutional-access-to-fxrp-minting-and-flr-staking-with-hex-trust) \[2\] [https://cryptorank.io](https://cryptorank.io/news/feed/26358-xrp-utility-explodes-as-107-m-fxrp-gets-locked-on-flare) \[3\] [https://flare.network](https://flare.network/news/flares-xrpfi-long-term-strategy-programmable-financial-infrastructure) \[4\] [https://flare.network](https://flare.network/news/introduction-to-xrp-defi) \[5\] [https://cryptonews.net](https://cryptonews.net/news/defi/31815799/) \[6\] [https://flare.network](https://flare.network/news/one-click-defi-vault-xaman-flare-smart-accounts) \[7\] [https://flare.network](https://flare.network/news/flare-and-dcent-bring-one-flow-institutional-yield-to-xrp-holders-worldwide) \[8\] [https://hackernoon.com](https://hackernoon.com/how-flare-network-finally-unlocks-xrps-$200b-defi-potential-through-revolutionary-fassets-system) \[9\] [https://cryptopotato.com](https://cryptopotato.com/big-win-for-xrp-holders-on-chain-options-arrive-via-flares-fxrp/) \[10\] [https://ng.investing.com](https://ng.investing.com/analysis/xrp-etf-inflows-reveal-a-bullish-divergence-the-price-has-not-priced-in-217330) \[11\] [https://pluang.com](https://pluang.com/en/news-feed/flare-mungkinkan-pemegang-xrp-perdagangkan-opsi-dengan-fxrp-sebagai-jaminan-di) \[12\] [https://www.youtube.com](https://www.youtube.com/watch?v=9oqVbRm2NiY) \[13\] [https://cryptobriefing.com](https://cryptobriefing.com/flare-fxrp-options-collateral-derive/) \[14\] [https://www.bitget.com](https://www.bitget.com/academy/flare-network-fassets-fxrp-xrp-defi-launch-2025) \[15\] [https://app.dealroom.co](https://app.dealroom.co/news/feed/flare-integrates-native-xrp-into-wallet-enabling-defi-access-via-trustless-fassets-protocol) \[16\] [https://flare.network](https://flare.network/news/vivopower-flare-deploy-xrp-institutional-yield) \[17\] [https://flare.network](https://flare.network/news/everything-blockchain-xrpfi-treasury-yield) \[18\] [https://www.coindesk.com](https://www.coindesk.com/tech/2026/02/03/embargo-1-pm-utc-xrp-holders-can-now-earn-yield-or-borrow-against-fxrp-without-selling-their-holdings) \[19\] [https://memeburn.com](https://memeburn.com/xrp-defi-lending-rlusd-fxrp/) \[20\] [https://flare.network](https://flare.network/news/beyond-flaredrops-flr-enters-operational-utility-era) \[21\] [https://flare.network](https://flare.network/products/fassets) \[22\] [https://flare.network](https://flare.network/news/top-3-takeaways-from-messaris-flare-pulse-report) \[23\] [https://medium.com](https://medium.com/@j.razo7869/is-evernorth-about-to-ignite-flares-biggest-breakout-yet-the-hidden-xrp-to-fxrp-connection-20d14c970046)

Wise_Owl3777

The short-term impact of a Ripple IPO would likely play out over a **3 to 12-month timeline**, marked by intense price volatility, followed by a structural recovery heading into **Year 2**. Based on historical data from previous major crypto equity listings, here is how the short-term horizon breaks down step-by-step. # 🗓 Timeline of Short-Term Impacts # Phase 1: The S-1 Filing to IPO Day (Months 1 to 3) * **The "Rumour" Pump:** The moment Ripple officially files its S-1 paperwork with the SEC, the XRP token will likely experience a massive, speculative retail rally. The market will view the filing as the ultimate regulatory victory. * **Capital Siphoning Begins:** Behind the scenes, large private crypto funds and whale wallets will begin rotating a portion of their XRP token holdings into liquid cash or private shares. They do this to prepare for the institutional stock allocation, causing the token's trading volume to decouple from its price. # Phase 2: Post-Listing & The "Air Pocket" (Months 3 to 6) [1] * **The "Sell the News" Correction:** On-chain data from historical listings shows that when the stock finally goes live on Wall Street, the underlying token typically faces a sharp 20% to 40% correction. Speculative retail traders take profit, while institutional capital flows directly into the newly available stock instead of the token. * **The Valuation Disconnect:** During these months, Ripple the company may see its stock price surge due to Wall Street hype, while the XRP token sits stagnant or drops. This is the "capital cannibalization" phase playing out in real-time. # Phase 3: The Escrow Stabilization (Months 6 to 12) * **The New Baseline:** Half a year into public trading, Ripple’s mandatory quarterly earnings reports will begin publishing verified, transparent data regarding their XRP escrow holdings. * **The Rebound Trigger:** Once Wall Street analysts price the exact value of Ripple's balance sheet assets into the stock, the token's price floor stabilizes. Erasing the fear of unannounced corporate token dumping allows the token's market cap to begin recovering based on actual network utility. # 📊 Historical Precedent: The Coinbase IPO We can look directly at how the market handled the **Coinbase (COIN) IPO** to see this exact mechanical relationship play out between crypto equity and token market caps. [COIN IPO Announcement] ➡️ Bitcoin rallies to macro highs ($64k) ↓ [COIN Stock Goes Live] ➡️ Capital shifts to equity; Bitcoin drops ~50% over next 90 days ↓ [6–12 Months Post-IPO] ➡️ Market stabilizes; Bitcoin decouples and rallies to new highs ($69k) As seen with Coinbase, the stock listing acted as a massive short-term liquidity drain on the crypto market, but within a year, the added institutional validity pushed the entire digital asset class to higher structural valuations. If you'd like to dive deeper into these phases, let me know if we should look at: * The specific **lock-up periods** Ripple insiders would face post-IPO. * How a **U.S. vs. international (e.g., London or Dubai) IPO listing** alters this timeline. * Current **pre-IPO equity trading prices** for Ripple shares on private secondary markets. \[1\] [https://www.reachlink.com](https://www.reachlink.com/advice/life-stressors-and-transitions/quarter-life-crisis/)

AD_VICTORIAM_x

At this rate - XRP is like a saving emergency account or piggy bank 😂

Wise_Owl3777

what is short term impact on price of XRP in terms of months/years upon Ripple going public?

Wise_Owl3777

under good conditions for XRP to become widely used and eliminating nostro vostro account what kind of price appreciation is likely in the next 2 to 3 yrs

jonesyduece

I'm sitting on 6300 XRP..... holding on for dear life!!

Wise_Owl3777

BTC VS XRP... no contest XRP wins over the long haul...... can we look at the xrp token then as it is now defined as a commodity as more of a collatoral build out for institutions so they can utilize the low cost of sending money and as such it will have a rise in value similar to gold

Patrick_Atsushi

I mean dips, Pardon me for my English. This is the XRP/BTC graph. I check all ALTs in this way since I aim for more BTC. The 4 low "valleys" are all on either Oct 1st or Apr 1st, not sure why. One can try to buy near the lows and sell when it hikes / recovers for gain in BTC. That means you outperforms BTC. https://preview.redd.it/i6iwb67r5vjh1.jpeg?width=1080&format=pjpg&auto=webp&s=20c06bde2c98454ffcf36bc81a8f5d1089b7c6bb

Nervous-Chemistry245

Why were you so triggered? I don't hold any XRP Go take a nap and drink some warm milk and quit giving useless advice

Zealousideal-Heat399

Welp I did buy XRP and cryptos with little to none knowledge about them at that time. The next bull run will hit someday and I’ll sell everything at that point

NockBreaker

XRP? I'm still holding ADA.....

Bamboo_900

Rest assured by year 5026 XRP price will finally go up

cryptolipto

And here is a typical dumb as shit XRP holder

Patrick_Atsushi

Check the XRP-BTC chart. If is going to have another valley one can possibly have 200% gain over BTC while BTC still grows. 

DonkeyComfortable711

Im gonna be honest XRP is the best meme coin ever made

Educational_Speech58

Doge has has no lived suply and XRP is infantry pump and dump token.

JimmySki6166

I swapped ETH & XRP into BTC a few years back. Will only ever hold BTC for crypto! You won’t regret making this move!!

shitposterfinalboss

Old man coworker yolod into XRP and is convinced its going to 10k.... doesnt understand marketcap and supply just says the project is "based on a ten thousand dollar coin"

uncanny_goat

Except XRP has no utility

WanderingStoner

holy fuck you actually hold XRP???

Logical_Lemming

Unfortunately the people who care about XRP enough to post there are mostly XRP shills, from what I've seen.