XRP

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.

thenags1

XRP has never been good as an investment. People just convince themselves that is and try to convince other people of the same.

jackfirefish

It's wild to me people still talk about XRP. People investing in a coin with a gagillion coins in circulation think it's every going to get past $10.

Slvrg

Probably some profit taking in crypto rotating in to AI or gold/silver is my guess. I don't see how XRP is any different from the rest of the coins they pretty much all doing the same.

C-Dull

Most alts only pump for one cycle, XRP was lucky enough to do it twice. So I’m gonna bet on no

blaivas007

XD Solana - ~25.3B transactions in 2026 Q1 alone, over 500x more. XRP - ~2.5M transactions per day, ~15x more. ETH - ~2M/day, ~10x more. BTC - ~750k/day, ~4x more. XD

Minute-Lake-1819

There are thousands of other coins with a decade of history to compare to if you like. Some with near instant settlement. How’s XRP, dash, zec, bcash and others doing with payments?

Minute-Lake-1819

You’re thinking full settlement. You can pay for something with LTC instantly if you needed to or with L2s. Now I ask, if XRP is a “good payment” network, why aren’t people using it at the levels of coins like BTC and LTC? The real world data shows these two coins and stables are always at the top. XRP has had over a decade to take over the payment market yet it hasn’t.

belsaurn

LTC just isn’t a good payment network. It can still take 10 minutes for a transaction to process. For a proper payment network it needs to be almost instant like XRP is. Can you imagine having to wait up to 10 minutes for you payment to clear at he grocery store or gas station?

liquid_at

I believe your association is simply one coming from perception. I mean, Dogecoin is a fork of luckycoin which was a fork of bitcoin. it implements the bitcoin standard completely and has lead develoment in radio-transmissions, that Bitcoin is following right now. You could make an equally solid argument about Doge being the legitimate partner of Bitcoin as you have been making for Litecoin. In that same sense you could use the banking affiliation of XRP to argue for why the more serious, closer to banking system is going to be the one that will endure. In the end, those who support one of the 3 stated narratives will all give you reasons for why the other 2 are bad and the one they chose is better.

liquid_at

The issue you seem to ignore is that LTC is not the only currency out there. Bitcoin is the only artifical-pump-asset that has a high enough market cap to be considered crypto gold. Even in the upper ranks of Crypto, LTC has XRP, Doge and BCH compete as pure payment solutions, while ETH, SOL and TRX also provide functional payment solutions. Even Bitcoin, with the lightning protocol, competes against LTC here. And before the haters come in, this is by no means a qualitative statement. Just that when you want to go for crypto gold, you have bitcoin, bitcoin and bitcoin, while going for payment solutions, there are much more options. You will never find a high concentration like in Bitcoin, in a single one of them.

Pollack-1953

Un-fucking-believable !!! Last year I bought 100 XRP and I think that I paid close to $400 for the tokens. I recently read on The Motley Fool they expect $10.00 XRP by 2028.

r2cyp

They still believe that all banks will adopt XRP

byteCodr

Solana if you want to jump the hype where people buy high and sell low, buying the dip always works. Link for the long term tho, they’re becoming the bread and butter of everything going onchain like stocks, banking settlements (besides XRP), and RWAs

zzscrubzz

Consider NFTs dead. Well established altcoins with utility profiles that are publically implemented into global finance such as XRP, LINK, XDC, HBAR, Stellar, etc are the ones to focus on. Ignore the fud, and 'hype', as it largely doesn't matter unless you're a cone who makes their investment decisions based on market sentiment.

Fortune_Donut7432

You earned all that good money from XRP ?

Fortune_Donut7432

You can't compare NFT and crypto. May be memecoin, but is the trend totally over ? BTC, ETH, SOL, damn, even XRP, but there is way more, are still alive, no matter the downtrend. NFTs were a shortlived trend. Bear markets are frightful moments. It is temporary.

LightningShiva1

Ive never said it doesn’t have any value. Thats what you assumed and only you. If I thought they did not have any value I wouldn’t be wasting my time on here. Barring few major chains most of them bs forks and ghost towns nobody uses. Compared to AI, the usecase is not even close. You can see it reflect evidently in the marketcap. Nvidia alone (1 company affiliated with AI is worth 4T$) BTC is worth 1T$. Besides if I wanted quick transfers I could also use NANO, XRP, PAXG (which is tied to gold) and Ive used them on more than few occasions. And your comment personally attacking me came across to me as kinda weird ngl. Not sure whats the need to get so defensive, you an I are not going to change the world order. Calm down.

FedoLFS

Lmao reading people defend XRP is pure comedy

fan_of_hakiksexydays

If I buy alts again, I don't know if I would buy anything beyond ETH. Monero is definitely still useful, but it's getting harder to trade. For gains, maybe ADA? Maybe XRP for institutions? Don't know if I could put any trust in Sol, BNB, Tron, etc... They might get some hype and still rally, but it's so hard to trust. I don't know if I would even want to get into the rollercoaser of meme coins.

Jxntb733

False on ownership. Ripple holds \~37% of total 100B XRP supply (mostly escrowed plus operational wallets) which is a clear majority stake, not minority ownership, the rest of your comment is largely accurate.

BassIs4StringDrum

Blockchain can’t replace SWIFT because the valuable part of SWIFT is not the technology, the valuable parts are infrastructure/clients/trust. There absolutely no reason for SWIFT to be replaced by blockchain they are not even solving the same issue in the same solution level. What you are talking about is settlements, SWIFT can use it but not be replaced by it, it is independent from blockchains. See Ripple they are not selling XRP to replace SWIFT, they are selling infrastructure/clients/trust, XRP is useless here as you can replace that with anything similar even their CTO said this.

Gossipmang

What do ETH SOL and XRP actually do? Like how are people actually going to use them in real life? No one can really answer that and its a problem.

Purple-Marsupial5855

Crypto is more than a fad… Useless meme coins can be seen as a fad and IMO are done (maybe they’ll jump a bit in next bull market - but really serve no purpose).. but I think coins like BTC, ETH, SOL, XRP will be around

Purple-Marsupial5855

Most lost money on BS Meme coins.. not legit crypto like BTC, ETH, XRP, SOL .. of course some will always follow hype and buy at the peak.. yet that happens everywhere - precious metals, stocks etc

brassassasin

XRP is a token ran by a single company, is it not?

brassassasin

Exactly, and it's like these XRP bulls and other token drunk fools just can't comprehend this concept.. it's really shown me who has critical thinking skills and who is just drinking the kool-aid

thedude21619

XRP-tards in tatters right now. 

CryptoAngelo

never trust a guy holding XRP xD

CipherScarlatti

Ask the Ripple XRP people how thier token is supposed to be the standard and moon if Swift has done this.

MakCapital

True, but Kaspa was always a grift and ZEC is one of the few coins with real utility being used. Mainly by criminals but adoption is adoption 🤣 OP Your best shorting opportunities were a year ago. Too dangerous to short any majors peak bear. Back to finding good entries and going long on solid dips. Had forever to short anything you wanted not being used. XRP after meme SEC pump, all L2s anytime, SUl bc got way too high, SOL once it lost $200, ETH near ATH, etc has been free money all the way down. Many majors paid to short majority of time. Risk growing too high now. Especially on anything with users.

archm1chael

I’d start by looking for large communities that resemble past winners in the space like XRP, ADA, DOGE, SOL, BTC. you’ll want to identify that are fanatical and their onchain data backs up what they say on here or X. ideally the coin has bottomed against its btc pair months ago.

magic-karma

According to the article, the signal is they are losing more while hoping there is a breakout. Checks out for most XRP holders.

hoppeeness

What do you think will be the main utility chains/tokens for tokenization? XRP? Hedera? ETH? SOL? Other?