XRP

prebzn

It was end of 2024/start of 2025, so I’m still a newbie, but I had wanted to get into crypto for some time, and I had a close friend that I knew had been in crypto and made some solid bucks on XRP. so I asked him to tell me more about it. I heard about the trial, and the possibillity of Ripple winning etc, and did some research of my own. After the trial ended in favor of Ripple, and a lot of bullish news otherwise did nothing for the price, I just lost hope and swapped it for other projects I still believe in

TheresNoSecondBest

**Bitcoin solves the "who guards the guardians?" problem in a way that decentralized groups of nodes struggle to do.** If a node wakes up after being off for ten years, it can look at the Proof of Work and know, with mathematical certainty, the true history of the world. In the "identity group" model, if you and your 5 nodes go offline, or if those 5 nodes collude to lie to a newcomer, there is no "universal truth" to lean back on. History becomes a matter of opinion. That's how XRP and similar shitcoins work, trusting a node(s) that has an authority. Now imagine Blackrock runs their 5 nodes. Over the years, all financial and non financial institutions will trust them because Blackrock owns them in one way or another. Or the government. Who wouldn't trust their own government nodes? Welcome to the shitcoin world where Vitalik or Charlie dictates what's good/bad for you. Bitcoin has no single authority, that's one of the fundamentals. Breaking it would be catastrophic for the whole world, filled with scammers and dictators. **Thank you but no thank you**.

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Post is by: Crypto-Voice-Pro and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1roq49k/xrp_watching_the_120_level/ ​A lot of traders are looking at a bearish path for XRP right now that most holders seem to be missing. This isn't about the SEC or Ripple news; it’s about how the overall crypto market cycles work. ​History shows that after crypto cycles peak, we usually see a correction the next year. When Bitcoin loses its main support levels, altcoins like XRP tend to drop even faster. Key Price Levels • ​The Support: $1.20 • ​The Risk: If we break below $1.20, the next stop could be $0.70. • ​The Math: That would be a drop of nearly 48%. ​The main point here is that XRP usually follows Bitcoin’s momentum. Until Bitcoin stabilizes and finds a solid floor, altcoins will likely face more risk, no matter how good their individual fundamentals look. ​What do you think? Will $1.20 hold, or are we going down to $0.70? *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

No_Pomegranate_3633

this guy is absolutely swimming in upvotes. saw this same post about 1 XRP per son from this guy lol

Previous_Luck_4575

XRP and I still have it. Shoulda sold some at the top though.

Aapkaapna7

XRP as a first buy is rare actually. What made you pick XRP back then?

prebzn

XRP, I don’t

sportsmodelceo

New dev here, how useful would a “gas station relayer” platform be. So if a user has tokens for a chain which they don’t have the native crypto for to pay gas fees, they can save with my platform. Basically, users are credited by depositing low-fee cryptos such as nano, XRP, or Solana. And their token can be transferred to the said wallet address via chains such as ETH, BNS, TRON with a contract where my application pays the fee so user doesn’t have to buy and transfer to the wallet for gas. Looking for any feedback, sorry for long message.

CuriousRaisin1447

Better check your XRP first

State_ment

First of all, I would never say “don’t buy Bitcoin.” Bitcoin is the king of this space and it deserves that position. I also respect many other projects like XRP or Solana for what they have built in the ecosystem. What are we trying to do with our coin? The idea is not to compete with Bitcoin. Instead, we’re trying to see if it’s still possible to build something the way early communities once did — similar to how Dogecoin or other early projects grew mainly through community participation rather than massive marketing budgets. Our main goals are: 1. Build a real community without pushing large investments or artificial hype. 2. Keep it as decentralized as possible. The focus is on community participation rather than a few large investors controlling the direction of the project. 3. If the community grows, the future direction of the project should be decided through governance. In other words, the community itself would vote on how the ecosystem should evolve. So the experiment is simple: can a community-first project still grow organically in today’s market?

JediRebel79

XRP

Sea_Procedure_3471

I’m spread between SOL, ETH, XRP.  I suppose I’m 65%, 30%, 5% with my holdings and I’ve been adding when I can under my cost basis, I try to have some buying power for deeper dips in the current market. I have FETH, and FSOL in my Roth. Staking rewards are offered for FSOL with FETH in the works. If XRP ETF is ever offered through my brokerage, I’ll be buying that as well. 

BuildWithJohnny

Solid moves selling near top and buying dip is literally the dream. 👏 To increase exposure without fresh fiat, here's what's worked for me across cycles. 1. Lending (CeFi) Nexo/YouHodler for stable yields on BTC/ETH. Just know the counterparty risk. 2. DeFi yields Aave/Compound for more decentralized lending. Rates vary but you stay in control. 3. Overcollateralized loans. Borrow stablecoins against your crypto (Nexo/Aave) and buy more dip. Works if you're confident and can manage liquidation risk. 4. Staking .ETH staking (Lido/Rocket Pool) or XRP if you find trusted options. My mix? ~40% CeFi lending, ~30% DeFi yields ~30% staking. Not touching leverage this cycle. Slow and steady wins.

watch-nerd

People watch XRP charts?

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Post is by: marketparticipant and the url/text [ ](https://goo.gl/GP6ppk)is: /r/XRP/comments/1rm3l1g/idea_let_uber_drivers_earn_in_xrp/ Who is the incremental buyer of XRP? Who represents our liquidity backstop? We all know the answer. It is our uber drivers. In fact, some studies show that of every non-uber / taxi driver who holds XRP, there are 100 drivers holding it. Source: I made it up, but anecdotally, this estimate seems quite conservative. It's their religion. Their retirement plan. Their American dream. We must allow Uber drivers to get paid natively in XRP. And we must act now. The single greatest risk to XRP is self-driving taxis. We don't have much time to act. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

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Post is by: Hagya_ant and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1rlzbik/we_got_a_solid_pump_now_what/ Had a pretty good run with ETH and XRP this past month and locked in a nice return, sold close to the top, and then bought back in on this dip. Feeling good about that move. The thing is, I’m still really bullish long-term. I genuinely believe there’s a lot more growth ahead for both, but I don’t have any extra EUR to put in right now. So I’m wondering: what’s the smartest way to increase exposure without adding fresh fiat? • Do you guys use lending/borrowing platforms? • Any creative strategies worth exploring? • Or is it better to just sit tight and let the current stack ride? Seems like a lot of people split between CeFi and DeFi. On the CeFi side, Nexo has grown large alongside Tether, while Aave still dominates when it comes to lending in DeFi. I also noticed Nexo has been expanding again recently, getting back into the U.S. and launching in Argentina, which is interesting to see. What’s your mix, and why? Curious how you guys approach this balance. Would love to hear from people who’ve been through a few cycles already. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

rechtim

XRP is the first digital hedonistic treadmill

s74-dev

lmfao XRP

coinfeeds-bot

tldr; Elon Musk's X Money, part of the X platform (formerly Twitter), has unveiled its first interface images, sparking speculation about potential cryptocurrency integration. The platform aims to become a financial super-app, offering features like direct deposits, high-yield savings, and possibly crypto payments. Musk indirectly acknowledged predictions of crypto integration, including stablecoins, DOGE, and XRP. X Money has secured licenses in over 40 U.S. states, moving closer to a nationwide financial rollout with significant implications for the crypto market. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

Main_Donkey_6078

Well I am using this company called Contro, heard about them from XRP Community Day… was one of the spotlighted new players in this. Joined their Beta… so far pretty good and no complaints… my balance sheet earning yield with it too.

VoltageValley

Thanks for this sourced info. Some good points and easy to confirm facts. I only have 2979 in XRP and like my price. https://preview.redd.it/48n5jzedo9ng1.jpeg?width=1440&format=pjpg&auto=webp&s=e78b401777b5aee37d62c80cd5960af2de49a338

VoltageValley

Also in the transfer there is no stable coin degrading as XRP carries it. Mastercard put out after the testing the speed of transaction was a real plus.

Ourcrypto_news

Australia is really moving fast on digital currencies. Using the XRP Ledger for a regulated digital dollar could set a strong precedent for other countries exploring CBDCs.

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Post is by: SyntaxSource and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1rld47n/bitcoin_near_74k_while_pi_network_leads_altcoin/ Bitcoin climbed to around **$74,000**, its highest level in about a month, before facing resistance and pulling back to around **$72,000**. The recovery comes after BTC dropped to **$63,000** last weekend during geopolitical tensions but quickly rebounded. Ethereum also moved higher, rising above **$2,100**, while major altcoins like **Solana, Dogecoin, and XRP** posted moderate gains. The biggest mover earlier is **Pi Network’s PI token**, which jumped about **13%**, making it the top gainer among major altcoins. Overall, the crypto market added roughly **$60 billion** in value, pushing the total market cap above **$2.5 trillion** as most crypto trade in the green. Are we back???????? *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

HSuke

Yeah. I can see that my data is off. So going by your data, it's now 40% including the escrow. This is down from about 48% in early 2023, and from over 60% prior to creation of the escrow in Dec 2017. I don't think that should make XRP holders feel much better. Ripple still controls an insanely-high portion of the max supply and has been selling an average of 3-5% of the circulating supply annually over the past several years. If Ripple wants to build trust, they should burn the majority of their escrow. Or just give it to the community.

coinfeeds-bot

tldr; Australia's financial regulator, ASIC, has granted an Australian Financial Services Licence (AFSL) to AUDC Pty Ltd, enabling the issuance and use of the AUDD stablecoin on the XRP Ledger and other blockchain networks. AUDD is a regulated digital payment instrument, allowing banks and businesses to legally hold, trade, and transact in digital Australian dollars. While not a central bank digital currency (CBDC), this move bridges traditional finance with blockchain innovation, promoting secure and compliant digital payments in Australia. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

Drogon__

Another classic reddit misinformation that they didn't even bother to look at the actual facts. You can look here how much supply Ripple holds here: [https://xrpscan.com/balances](https://xrpscan.com/balances) Let me tell you it's not 60%. If you can do basic math you will see that they are holding 36,5 of the supply in escrow. Meaning that they can't sell it right away. They can only sell 1B XRP when it unlocks per month. For 8 years now, Ripple only sells on average about 300m XRP. They are about to change now, because some angry redditor thinks he is right though. Jed McCaleb was holding nearly 5B XRP for years, but he has sold it all since then. If you bothered doing a basic google search you will see that the tacostand (this was his wallet that was assigned by court order to sell) wallet is depleted. Chris Larsen also you can look at the blockchain that from the 5B XRP has around 2B now.

Spirited-Television2

Dumbest response ever.. XRP is essentially replacing the banks having to hold another country’s currency on their books. Which means holding XRP is necessary… 

McBurger

Yep. Everyone says ripple is useful for banks but it’s still not clear what XRP’s relation is to Ripple Labs. It seems like they’re completely separate entities and the XRP token isn’t even needed.

HSuke

Aside from the obvious scamcoins, **XRP is the worst** Ripple controls somewhere around 60% of the supply (originally 80% of the supply). They get up to 1 billion XRP token unlocks each month. Their 2 founders received the remaining 20% of the original supply. They can single-handedly crash the entire market with just month's token unlocks. The worst thing is that Ripple is a for-profit company. There is a separate organization, XRPL Fpundation, that maintains the XRPL protocol. Ripple is there just to profit off selling XRP while marketing their new stablecoin.

Due_Orange_3723

XRP is a scam. The sooner people realize the better. Or not and I’ll keep making money on their downfall lol

dyrnwyn580

Nah. Money has no morals. Adoption will drive broader interest. Money will flow. ETH, SOL, HBAR, LINK, XRP, AR, OP…

Automaton9000

1. Banks don't need to hold it. If a bank has $10M and they want to send $1M, they buy $1M worth of XRP and send it to whoever they were going to send the money to. That entity then sells it for $1M. 2. It is desirable for XRP to be worth more because larger amounts can be sent with a higher value due to the fixed supply. If XRP is worth $0.01, a bank cannot possibly send $1B (would require the entire supply). If it's worth $100 it would be feasible to send $1B (would require 10M XRP). And supply isn't even the number that matters here. Volume is. In other words banks want it to be expensive because it is more useful to them if it is expensive. It is useless to them if it's cheap. Unlike what others say this doesn't weaken demand just because banks don't buy and hold it. They still buy it. Repeatedly. Every time they need to move money. And that's all banks do is move money so that's a lot of demand. How does holding a portion instead of immediately transferring it reduce demand? They'd use it eventually, and then they'd just have to buy more afterwards. Holding it would just be locking a price in early before you need to use it. Ripple does not own the majority of tokens. At this point it's something like 30% of supply. They don't control price with this stake. Every month 1B XRP from their supply is released from escrow, a portion of which they sell at market value to customers. This is typically OTC so this doesn't affect market rates, except for the fact that those customers would have had to buy on the open market if ripple didn't sell them any. No big deal.

Dangermiller25

I’m a big fan of BTC and own more than most but if you are looking for the fastest crypto for full final settlement I would say XRP. It’s sooo fast, if I send from my phone I can look at the ledger on my desktop and it’s done in 2 seconds. Fully done. I know most BTCers hate XRP but it’s fast.

MakCapital

No one serious ever believed banks would hold it and there is no reason to use XRP over stables on scalable L1s. Token catches no revenue. No real use case. No users. Meme.

LargeSnorlax

Pretty good. We hit a bunch of all time highs a while back and have been resetting since then. Some alts did great, but not as many as before. There's more slop in the market now. XRP won their court case. CZ bribed Trump to get out of jail and is now doing shady stuff with all his associated companies. Pump.fun is the new rugpull central. There's a lot of polymarket betting now and a lot of gambling on Hyperliquid. A few different eth spinoffs/tagalongs in RAIN/Canton have arrived. Litecoin still sucks. Memes rose then cratered. Sam Altman tried to scan everyone's eyeballs. People holding stuff like ATOM/DOT got rekt. ETH transactions are cheaper than ever. Bitcoin is showing relative strength with basically zero retail interest in it. ETH very briefly hit ATH and now is at less than half that.

FalconCrust

I wish Ripple was publicly traded so I could buy some shares and get in on the XRP scam.

HSuke

They finally gave up on promoting XRP. They're using funds from sold XRP to promote different TradFi products.

coinfeeds-bot

tldr; Ripple is shifting its focus to institutional payments infrastructure, aiming to build a stablecoin-driven settlement platform after a $4bn investment spree. The new system integrates fiat currencies, stablecoins, and digital assets for global transactions, moving away from promoting XRP as a bridge currency. Ripple is targeting traditional financial institutions with services like custody and treasury management, aligning with regulatory standards. The company has secured key licenses in the EU and UK, betting on stablecoins to bridge crypto and mainstream finance. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

ReceptionSmall9941

Interesting split, but I’d want to see whether SOL/XRP relative strength holds through a broader risk-off week before reading it as true rotation. If BTC shorts unwind while those longs stay open, that would make the signal much more convincing.

Moist-Self5666

XRP is not a token that banks need to buy and hold. XRP is an On Demand Liquidity provider that is only used when required. The sender's currency (lets say USD) is converted to XRP, transferred across the XRPL (Ledger) and then the receiver can convert the XRP back into a currency of their choice (lets say Yen). The transaction happen inside 7 seconds and then the XRP is returned into the ecosystem minus a portion that is burned. This gradually reduces supply and price gradually appreciates. It's important to note that Total Supply is very different to Circulating Supply. Price is pushed higher the more that the circulating supply is reduced and demand is increased through usage.  Financial institutions (investment companies, pension funds, hedge funds etc) hold XRP ETF's which in turn reduce circulating supply greatly. Retail HODLers help to reduce circulating supply to a lesser degree also (retail accounts for around 2% over XRP in cold storage). So XRP's price appreciation is totally reliant on utility and demand verses available circulating supply. This why price is still low. XRP is only being used to a tiny fraction of its intended intended usage currently. The SEC court case held it back for years and ongoing lack of regulatory clarity is still an issue holding many banks and institutions back from adopting it fully. Its not that they don't want to adopt it fully, they just need all of the boxed ticked first. XRP as a bridge asset needs a high and stable price to operate efficiently on the XRPL, free from the volatility of the markets. It's utility driven price values will be less influenced by market flows as usage increases, supply tightens and Liquidity increases.  XRP will re-price in line with utility demand not market movement and will be very stable during the periods in between re-pricing. It's a new technology that most people just don't understand. Participants in the retail sector of crypto have only understood it up to now as being like any other cheap casino chip to be bought and sold for profit. That was never XRP's purpose. It was never created for retail trading. It's just ironic that that is where it's still at currently. But XRP is slowing being installed as the core plumbing of the global financial infrastructure and it's still very early days. There's another 5 to 10 years to go yet before this is fully complete and fully operational. That's when XRP will reach values like $10,000 or $100,000 and beyond even. But it will appreciate dramatically in the meantime, hitting triple digits and 4 digits along the way. Monica Long of Ripple has stated that XRP will be fully adopted by the end of 2026. After that it's just a case how quickly actual usage increases and high value tractions flow across the XRPL. And it's not just about cross border payments any more. XRPL is now capable of handling the upcoming boom in RWA (Real World Assets) and digital tokenisation. That vastly expands XRP's usage case and utility demand. Which in turn requires a higher value for XRP. Naysayers bang on about Market Cap but that's an outdated argument. Market Cap is irrelevant to digital assets and a new metric will be needed in its place. Other than that the sky is limit for XRP's price value over the coming decades. 

uamdarasulka

whales are short everything except SOL and XRP that's basically it

bjrprogrammer

Macro fear mainly — tariffs, FED uncertainty, institutions rotating out. It's not just crypto, everything's red. For XRP and SOL specifically, RSI was way overbought for months so a pullback was expected. The RSI being oversold now is actually what to watch — usually signals a possible bounce zone. If you want an easy way to track signals without reading charts all day, there's an app called \[Aura\](https://play.google.com/store/apps/details?id=com.bjrpro.aura) that gives buy/sell alerts for coins like XRP and SOL. Just something I've found useful during volatile times like this. HODL is a valid strategy honestly. These cycles always turn around.

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Post is by: uamdarasulka and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1rk9yo7/whales_are_dumping_everything_except_sol_and_xrp/ Checked the whale book this morning and the whole thing is red. 58% of tracked positions are short across 62 wallets. But two assets are going completely the other direction and the size is hard to ignore. SOL: $71M in whale longs vs $29M shorts. That's a 2.4-to-1 accumulation ratio. While BTC and ETH are getting sold, someone is loading SOL at $87. Not a small position either $71M in active longs is real conviction. XRP: $48M longs vs $10M shorts. Nearly 5-to-1 long ratio at $1.36. Second biggest accumulation signal on the board right now. Meanwhile the stuff getting destroyed: BTC at $68.3K: $439M shorts vs $278M longs. Whales net selling. Not defending this level. ETH at $1,982: $200M shorts vs $99M longs. 2-to-1 short. This has been getting worse every day. ENA: $8.5M shorts vs $81K longs. That's a 99-to-1 short ratio. Someone wants this dead. LINK: $9.9M shorts vs $637K longs. Basically one-sided. HYPE: $55M shorts vs $16M longs. One sharp wallet with a 71.5% win rate across verified trades is simultaneously short BTC and long SOL. Same wallet. The overall book is bearish. But the SOL/XRP accumulation sticking out of an otherwise completely red board is what I keep staring at. Either these two hold up through whatever's coming, or the whales rotating into them are wrong. When positioning gets this split you usually find out fast which side was right. tracking whale wallets at [swarmintellect.com](http://swarmintellect.com) *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Feisty_Ad_4372

That’s incorrect the altcoin appreciation once confirmed it’s a commodity and not security will have similar impacts to what took place with XRP. You need to do more research around it.

Objective_Buy_1708

Du verstehst es einfach nur nicht. WENN die Adoption kommt, dann ist ein hoher Preis technisch notwendig. Wenn du 10 Milliarden Dollar überweisen willst, wirst du nicht 10% des gesamten XRP Supplys für diese Überweisung verwenden können ohne massiven Slippage. (In der Annahme das so viele Coins überhaupt auf einer Börse verfügbar sind)

Next_Explanation_657

1) Ripple did away with XRP being required for cross-border transactions. In fact they made RLUSD the default asset on Ripple Payments (what banks use when partnering with Ripple). 2) Theoretically Ripple is able to control price but it's never been proven as shown in the SEC case. Brad and Mr Larson each control 5x the ETF's total value they could have an influence by themselves if it wasn't a major problem. 3) At one time it used to be a common goal for XRP to take X% of Swifts business. Now that goal has shifted to Ripple Payments fulfilling it and Brad says about 15%. 1) Needing to own XRP is a common misconception. It used to be that way, but nowadays Liquidity Partners can take care of that function. 2) The coin doesn't need to be specific amount 3) They can't openly control the price, it could be highly problematic if it could be proven.but technically the price wouldn't matter. It's just more or less coins required. I think you're missing the whole idea that there's been a dramatic shift. The "intended use" of XRP is quickly giving way to RLUSD/Stablecoins and other asset types. We have all witnessed the massive efforts put on by Ripple to the tune of billions in aquisitions, software upgrades, sales focus ... (see link to Monica's piece below). https://ripple.com/insights/2026-crypto-predictions/

binary_quasar

>Are they playing games with us? Ha ha! Without a doubt, they are. XRP is premined dogshit. You are exit liquidity for people who would happily make you go poor, if it made them richer. What youre figuring out is you've been sold a fairytale by Ripple Labs. Their entire ecosystem is built on a lie and a promise that would've come to fruition years ago if it was actually a good idea, but it isn't. Nobody wants to trust or pay a third party anymore to transfer money. They want in-house proprietary solutions.

Kurosaki56843

You are not missing something basic. The bridge asset idea does not mean every bank buys a huge XRP reserve - most liquidity would sit with market makers and XRP is just the hop for seconds. Also, a higher XRP price would mean you need fewer units per transfer, so "$50 breaks it" is not really the issue. The real questions are liquidity depth, spreads, volatility, and whether real payment flow demand scales enough to matter versus supply overhang. If you are holding it anyway, I at least keep mine earning on Nexo instead of letting it sit idle.

joegrower420

It won't be going anywhere because most of their big "partnerships" are just shell companies they buy and turn into partners to push their coin. XRP is one of the biggest scams out there rn DCA SPX6900

MF_Price

That's exactly what it is. A slow motion rug pull. People asking about XRP mooning need to understand that $.05 was the moon and $2.35 was fucking Pluto. We have passed the last exit ramp on XRP.

Maybbaybee

It's still a good concept. Unfortunately too many trolls have become part of the so-called "XRP Army" that has made it the red haired step-child of the crypto world, continuously abused.

BTCWallahFXEmpire

You’re asking the right question. Note these points. I wrote them in a rush and asked GPT to "polish the f\*\*\* out." **1) “XRP will replace SWIFT” sounds bigger than the proof.** After years, we still don’t see clear, massive real-world bank usage that matches the hype. Most cross-border money still runs on SWIFT/correspondent banking, and a lot of “crypto settlement” today is happening with stablecoins (USDT/USDC) because they don’t swing in price. **2) Small/mid banks needing big XRP reserves is a real problem.** People say “they can use on-demand liquidity,” but someone still has to provide deep XRP liquidity in every corridor. If liquidity is thin, costs rise (slippage), and banks hate that kind of uncertainty. **3) The $50 XRP argument isn’t the main issue.** Price per coin doesn’t matter much because XRP is divisible. The real issue is volatility: a bridge asset that can drop/rip fast is risky for payments. **4) Ripple owning a lot creates an overhang.** Even if they don’t “control” price, big supply concentration means markets expect more supply, which can cap upside. **5) “It’s an L1” doesn’t fix adoption.** Lots of L1s exist. The core promise was cross-border dominance — and that’s still not obvious.

Puzzleheaded_Ad_4478

Lots of supply, no real decentralization. That's some of the points why XRP won't moon. At least in the near future. Even though adoption is a thing you clearly know that the currency can be manipulated at will. However, I can tell transactions through this crypto are fast. No doubt about it.

MuhCrea

Careful what you put out there. No banks are using or have any real interest in the cryptocurrency called XRP, created by Ripple. Some banks are using RippleNet/RipplePayments, a transaction enabler created by Ripple. They do not own or hold the XRP token nor do they require to have it to use RippleNet. The two things are mutaully exclusive "make them rich here in the near future" - I've heard this for at least 5 years

ReceptionSmall9941

Good question—XRP’s utility case is more about transfer speed and liquidity depth than banks holding huge reserves long-term. If adoption grows, demand can still rise, but that doesn’t automatically guarantee “moon” price narratives.

FrankSlipHelp

>\\\*\\\*Consider what we know:\\\*\\\* Ok I’ll expect credible sources then. >1. How it’s used to conduct cross-border payments Plenty of info direct from Ripple on this. >2. Ripple owns the majority of shares, primarily (IMO) so they can control the price Coins, not shares. XRP is not a share of stock of Ripple, Ripple did not issue XRP, XRP ownership does not transfer to Ripple ownership. How would owning a majority of coins control price? Look at the daily, weekly and monthly trading volume and explain what price control Ripple’s monthly escrow or other OTC sales could possibly happen. The math doesn’t math. Ask your favorite AI agent to do the math for you. >3. The goal is worldwide adoption/to replace SWIFT Credible source on this? Ripple has stated that they expect to take some marketshare from Swift due to the nature of the technology and banks wanting to have faster cheaper payments without holding nostro vostro accounts, but nowhere have I ever read that the software RipplePayment’s was intended to replace swift. Swift is a secure messaging platform, Swift does not move value, RipplePayments moves value, it is also a secure messaging platform. >How will smaller and mid-size banks adopt the technology if they can’t afford to buy the large amount of xrp needed in their reserve to conduct transactions? They don’t need to hold XRP in reserve, RipplePayment’s is a software suite and when ODL (on demand liquidity) is used no nostro / vostro accounts are needed. >XRP is intended to represent an amount, the amount of money being sent, as I understand it. It would be stupid if it was worth $50 where the dollar is worth $1, right? No. This post is from David Schwartz. >It can’t be dirt cheap. That doesn’t make any sense. If XRP costs $1, they’d need a million XRP which would cost $1 million. If XRP cost a million dollars, they’d need one XRP which would, again, cost $1 million. >Except that higher prices make payments cheaper. Right now, you can buy a million dollar house with bitcoins. When bitcoins where $300, it would move the market too much and be too expensive to be practical. So higher prices make payments cheaper. ~ David Schwartz recently retired CTO of Ripple and co-creator of the XRPL and XRP ~ https://x.com/joelkatz/status/932748963526066178?s=61 Slippage is real, and why moving the market makes payments more expensive, in order to not do that a higher value coin helps with keeping payments cheaper. >Does ripple control the price because THEY HAVE TO in order to KEEP IT LOW to operate as intended? Ripple does not control the price. Let’s use critical thinking here. If this was the case, wouldn’t that have been discovered during the 5 years that the SEC had full access to every financial document Ripple had? Wouldn’t that have been a ‘gotcha’ for the SEC? No, and they know what you don’t, Ripple does not control the price, has no means to control the price, and there is no evidence they have controlled the price. >Is xrp essentially a “hybrid” version of a stable coin (I know it’s not one technically). But it just seems like it has to remain stable or it can’t function as it’s intended. Your logic used here is false, it may ‘seem’ this way to you, but I don’t know where you derive your assumptions from, but from what I have read from you i’d say you need to get info from the source and not 3rd party. XRP is a country neutral crypto currency that has no central authority, stable coins are issued by companies and under regulation by the jurisdictions they are used in. >CAN SOMEONE PLEASE TELL ME IM AN IDIOT AND EXPLAIN WHAT IM MISSING? Not an idiot, but you don’t know what you don’t know. Same for everyone until due diligence is done and even then there is always more to discover about what you don’t know and learn.

mrcaulimanXRPL

You’re not an idiot. You’re just mixing up what XRP actually does. 1. XRP does not “represent” the amount being sent. It’s a bridge asset. Temporary liquidity. It exists for seconds in a transaction. USD → XRP → MXN Done. It doesn’t need to equal the dollar. It needs liquidity and depth. 2. “How can small banks afford it if it’s expensive?” Higher price actually makes it easier. If XRP is $1, you need 10M units to move $10M. If XRP is $50, you need 200k units to move $10M. Higher unit price = fewer tokens required per transfer. They also don’t need to sit on massive reserves. On-demand liquidity exists specifically to remove prefunding. Liquidity is sourced when needed. 3. “Does Ripple keep it low on purpose?” No. Ripple doesn’t control the open market. Escrow isn’t price control. If they could control price, the SEC years wouldn’t have happened the way they did. 4. “Does it need to stay stable or low to function?” It needs liquidity and reduced volatility over time. Nominal price is irrelevant. Gold works at $2,000. Bitcoin works at $60,000. A bridge asset can function at $5 or $500. The math scales. 5. “Is it basically a stablecoin?” No. Stablecoins are pegged. XRP is neutral liquidity between two volatile or fiat assets. Now the real part. People believe it can run because if even a fraction of global cross-border liquidity routes through XRP, demand for bridge liquidity scales hard. Global cross-border flows are in the trillions. You don’t need total SWIFT replacement. You need meaningful corridor penetration. That’s the thesis. You weren’t wrong to question it. You were just aiming at the wrong mechanics.

mrcaulimanXRPL

You’re not an idiot. You’re just mixing up what XRP actually does. 1. XRP does not “represent” the amount being sent. It’s a bridge asset. Temporary liquidity. It exists for seconds in a transaction. USD → XRP → MXN Done. It doesn’t need to equal the dollar. It needs liquidity and depth. 2. “How can small banks afford it if it’s expensive?” Higher price actually makes it easier. If XRP is $1, you need 10M units to move $10M. If XRP is $50, you need 200k units to move $10M. Higher unit price = fewer tokens required per transfer. They also don’t need to sit on massive reserves. On-demand liquidity exists specifically to remove prefunding. Liquidity is sourced when needed. 3. “Does Ripple keep it low on purpose?” No. Ripple doesn’t control the open market. Escrow isn’t price control. If they could control price, the SEC years wouldn’t have happened the way they did. 4. “Does it need to stay stable or low to function?” It needs liquidity and reduced volatility over time. Nominal price is irrelevant. Gold works at $2,000. Bitcoin works at $60,000. A bridge asset can function at $5 or $500. The math scales. 5. “Is it basically a stablecoin?” No. Stablecoins are pegged. XRP is neutral liquidity between two volatile or fiat assets. Now the real part. People believe it can run because if even a fraction of global cross-border liquidity routes through XRP, demand for bridge liquidity scales hard. Global cross-border flows are in the trillions. You don’t need total SWIFT replacement. You need meaningful corridor penetration. That’s the thesis. You weren’t wrong to question it. You were just aiming at the wrong mechanics.

mrcaulimanXRPL

You’re not an idiot. You’re just mixing up what $XRP actually does. 1. $XRP does not “represent” the amount being sent. It’s a bridge asset. Temporary liquidity. It exists for seconds in a transaction. USD → $XRP → MXN Done. It doesn’t need to equal the dollar. It needs liquidity and depth. 2. “How can small banks afford it if it’s expensive?” Higher price actually makes it easier. If $XRP is $1, you need 10M units to move $10M. If $XRP is $50, you need 200k units to move $10M. Higher unit price = fewer tokens required per transfer. They also don’t need to sit on massive reserves. On-demand liquidity exists specifically to remove prefunding. Liquidity is sourced when needed. 3. “Does Ripple keep it low on purpose?” No. Ripple doesn’t control the open market. Escrow isn’t price control. If they could control price, the SEC years wouldn’t have happened the way they did. 4. “Does it need to stay stable or low to function?” It needs liquidity and reduced volatility over time. Nominal price is irrelevant. Gold works at $2,000. Bitcoin works at $60,000. A bridge asset can function at $5 or $500. The math scales. 5. “Is it basically a stablecoin?” No. Stablecoins are pegged. $XRP is neutral liquidity between two volatile or fiat assets. Now the real part. People believe it can run because if even a fraction of global cross-border liquidity routes through $XRP, demand for bridge liquidity scales hard. Global cross-border flows are in the trillions. You don’t need total SWIFT replacement. You need meaningful corridor penetration. That’s the thesis. You weren’t wrong to question it. You were just aiming at the wrong mechanics.

Mirved

These arguments have been brought up for years. I know i had discussions with XRP fanboys stating exactly this like 8 years ago....

DustInside6861

The core tension is that XRP bulls want it to be both a utility token kept cheap enough for banks to use AND a speculative asset that moons. Ripple's counter-argument is that banks don't actually hold XRP. It's just used as a bridge for seconds during a transaction, so the price doesn't need to stay low. But that also means banks don't *need* to buy and hold it, which weakens the demand argument for price appreciation.

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Cadenca

Tale as old as time, watch 90% of the comments be hate just because their in the other altcoin. I know what the track record looks like, but I'm HYPER excited especially for Midnight. And yes, that thing will work with your Solana and XRP too, so you don't have to hate that one, and this one you might even use. I've seen probably every Charles Hoskinson video on his Youtube since 2018. That's probably pathetic, but still. Mistakes aside, his heart is in the right place, and ADA and Midnight will rise.

HSuke

Aromatic-Ad7987 (OP)'s post history bounces between XRP, Hedera, and /r/dementia I think this might be a sad case of dementia

Visible-Structure-86

If you’re looking at “new coins,” I’d zoom out and ask: Is the token just inflation + marketing… Or does it actually do something structurally different? One project worth studying from a design perspective is RTRx (Reflectr) because of its Cascade system. Here’s what Cascade actually allows you to do: 1️⃣ Choose Your Base Rewards (Layer 1) Holding RTRx lets you select 1 or 2 reward assets out of 7 options (BTC, XRP, SOL, ADA, BCH + curated DeFi tokens). You’re not locked into a single emissions token — you choose exposure. 2️⃣ Provide Liquidity Without Losing Holder Rewards (Layer 2) Normally when you LP a token, you stop earning reflections. With Cascade, LP providers still receive Layer 1 rewards. So your capital can: • Sit in LP • Earn pool incentives • Still collect chosen base rewards That’s stacked yield instead of trade-offs. 3️⃣ Earn DEX Fees (Layer 3) Since it’s standard PancakeSwap-style liquidity, you also collect trading fees directly from volume. So Cascade lets you: • Earn BTC/XRP/SOL/etc while holding • Earn those same rewards while LPing • Earn pool-specific rewards • Earn DEX trading fees • Compound rewards like BCH back into the pool to increase position size There are currently 11 live Cascade pools, including BCH recently added. The interesting part is that volatility increases volume → which increases fee flow → which increases reward throughput. It’s not designed as a pump token. It’s designed as a liquidity engine. If you’re evaluating newer projects, it’s at least an interesting case study in capital efficiency and layered incentives. Do your own research — but structurally, it’s different from most “new coin” launches

Visible-Structure-86

If you’re looking at newer projects, I’d focus less on hype narratives and more on structure. One project worth researching is RTRx (Reflectr). It’s not trying to be the next meme cycle — it’s built around liquidity architecture. What makes it different: • Holders choose 1 or 2 rewards from 7 options (BTC, XRP, SOL, ADA, BCH + curated DeFi tokens) • If you provide LP, you still earn holder rewards • On top of that, you earn DEX trading fees (PancakeSwap etc.) So instead of “hold or farm,” it stacks both. They currently have 11 Cascade pools live, and BCH was recently added. You can compound earned BCH back into the pool, which creates an interesting reinforcement loop. It’s more of a capital-efficiency play than a hype play. Not financial advice — just something structurally different that’s worth digging into if you’re evaluating new designs.

chompy283

I am a crypto amateur. But have been steadily investing for a few years. I thought the Great thing about crypto was it was fast, secure, private and easy to transfer. I just converted some USDC that i had back to cash. And then decided to transfer some of it to my bank account. Took 3 freaking days while it was "in process" or whatever. At this point, I honestly don't see the point of it. If there is a point, I don't really understand and maybe the whales do. But honestly seems like a bunch of pump and dump and hype and manipulation to make money. I fell for the XRP hype and have most of my money on that. Looks like it's going to be a loser. I bought some ethereum 4 yrs ago and it's still worth less than what I paid. Obviously it's high risk stuff but I really dislike Coinbase's website and how it's run.

Ok-Maintenance2034

chainlink is a complete different type of utility! They will connect institutions to utilize XRP through CORDA

Donut_LordO

HBAR, ETH, XRP all have a shot

sluglife1987

Wha are you DCAing into ? There’s only like a handful of crypto this is a good idea for. If it’s XRP or any other next to useless legacy coin you are going to wreck yourself

harvested

You said XRP is a 'little better' than bitcoin which is careman dino tech. You also started naming dead protocols, of which bitcoin clearly isn't one. You also said bitcoin doesn't evolve, but it does, though it prioritizes rock-solid security and decentralization over rapid changes. I won't be replying anymore.

HSuke

?? I am so, so confused. What makes you think I like XRP from what I wrote? There must be a mistranslation. Are you a native English speaker?

HSuke

XRP is a little better than dino tech. It's centralized caveman tech.

Leo-Change-sec7078

I know a very easy move to recover and track any lost wallets Gateway to Encrypt, back up, and secure your XRP and XLM assets The easiest, safest, and fastest way to secure & back up crypto assets. Everyone should use Web3 connect to protect your crypto assets.

PuzzleheadedBell4057

Bitcoin zealots. Do not thread on their BTC, which Btw I also hold in equal amounts along with ETH, SOL and XRP.

harvested

What coin you selling? XRP, haha.

Fit-Poet6736

I am not like an ultra mega giga XRP maniac, but it made me a lot of profits over the years, you just need to trade it not hodl it forever

tornavec

Ripple paid for the demolition of a wing of the White House. When the Democrats come to power, the price of XRP could drop significantly

Emergency_Scheme_670

What happened to all of the "$10 XRP HERE WE COME!!! " folks? lmfaooo. Every cycle they pop out and then disappear lol

AdhesivenessPast2850

How can XRP spot and derivatives diverge?

This-Adhesiveness-52

XRP has max value off 3 euro but it's a pump and dump coin. It has some utility but like the supply is tightly controlled, 50% controlled by XRP crew and they selling to cash in all the fools buying xrp thinking it will go to a 1000 euro but that would need billions to make that happen and people don't understand the math about how much money it would take to pump xrp that high. They hired a promotion team off influencers hyping the coin and pay people to write about it everyday. They very good in promotion the coin but don't be fooled, it's a dead trap. It will fall back to 10 cent and stay there for another 4 years till they do another pump to 2 or 3 euro. Don't be fooled and if you got some xrp and still in profit sell to atleast get the money you put in back. maby i'm wrong and the promotion team manages to hype it so much that even more people buy it and it does another small pump but it's being used by the big players as a pump and dump and when the rugpull happens you all be stuck with 10 cent xrp. Don't trust that xrp army or influencers they getting paid to hype it. The only people making money form it are the early investors. The banks are not buying they just moving XRP around to create the illusion for the small fish they accumulation but it's just for show, they in on it for the ruggpull. I hope i'm wrong for people who invested millions in xrp but it's a trap. I just feel it. The hyping is the same like with luna coin in the past, be warry.

manifestDensity

Gearing up for the great XRP pump and dump of April 2026

ReceptionSmall9941

Interesting divergence—if spot ETF inflows keep absorbing supply while leverage resets, XRP could grind higher with less liquidation noise. The key test is whether open interest stabilizes on up-days instead of spiking only after big moves.

NilNow

I mean loading up on a centrally controlled coin with super concentrated ownership for your treasury is next level regarded IMO. Will the treasuries who bought XRP complain if Ripple which owns at least $40B worth decides to sell some?

Longjumping-Row-6147

Agree 100% with what people are saying about chasing 100x - those days may be done and you are far more likely to get scammed, rekt and or just round trip your money because you dont take profit. From someone who has been there, and someone who has invested in what i consider solid coins with staying power and good fundamentals (i.e. LINK, XRP, SOL) even then your best bet over the next couple years is to stick with BTC and ETH. It is an illusion that somehow "they have gone up so much so cant possibly go up more and make me money". We have a handful of projects now that have survived bull and bear markets and a graveyard of projects that have not. Do what you want of course but if i were you I'd bolster your position in those bigger - established coins you mentioned! Good luck!

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Post is by: SyntaxSource and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1rfhr61/institutions_are_loading_xrp_but_traders_are/ XRP is showing a sharp divergence between spot and derivatives markets that’s turning heads. On February 26, Bitrue reported a 212% surge in XRP spot buying, with buy orders outpacing sells by more than 2:1, which it attributes to growing institutional accumulation through newly launched XRP ETFs and roughly $1.1B in cumulative inflows. At the same time, futures open interest has been falling across major exchanges like Binance and Bybit, and three-month average futures volume has dropped to its lowest level since November 2024. With XRP trading around $1.44 still well below its $3.65 July 2025 high. the setup creates a compelling narrative: institutions appear to be steadily accumulating while leveraged traders reduce risk. If this trend continues, it could signal a structural shift from speculative leverage to spot-driven demand a dynamic that historically tightens supply and supports stronger, more sustainable price moves. That contrast (rising spot vs. falling leverage) makes the story highly discussable and socially sharable: are ETFs quietly absorbing supply while retail watches derivatives cool off? Bitrue is even forecasting a potential supply squeeze into Q2 2026, suggesting XRP could outperform key competitors if inflows persist. Whether you’re bullish or skeptical, the bigger question is clear: is this consolidation before expansion or just another false start in XRP’s long recovery? *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

financeguruIB

You gotta have some guts to buy XRP.

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Post is by: Fit-Poet6736 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1rfb45t/so_whats_next_for_xrp/ I’m trying to figure out my next move with XRP and would love to hear some perspectives. I managed to secure a good amount of profit during the last pump, and I’m still holding a decent bag. Price has dropped a bit since then, so I’m debating whether to take on more risk here or just keep it simple and patient. Right now I’m leaning toward hodling. I still think XRP has upside longer term, and the pullback doesn’t really change that for me. In the meantime, I’m parking it on nеxо at 11.5% interest, which at least makes the wait feel a bit more worthwhile. Btw, they returned to the U.S. recently, so congrats to all the XRP bros who are not willing to sell. WAGMI *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

ThrobbingMeatGristle

You won, well done. You won, because others lost. I too won as well. I mined bitcoin in 2014/2015 and in 2017/2018 sold enough to pay for the miners, and the electricity and kept everything else vowing not to touch it till retirement - which if it was still worth anything would be a good time. In 2022 I sold almost all of it. I bought some things I needed, paid the capital gains tax, and retired. The little I kept I divided by value into XRP and BTC which I will only ever sell if I need it between now and when I get the final call home. For me to do that, many others had to loose a substantial amount of money. I think about that a lot. It is a zero sum game. One of my mates - the guy who got me into crypto in the first place, was even earlier than me - he got in so early he mined 40 BTC on a shitty old computer in the early days. He blew most of it on one holiday when BTC hit US$200. He saved a few coins but his hands were weak and eventually sold the last few when it hit around $20k and this let him sort his kids through college, but its all gone now, and he still works 9-5. It is not as easy to win big now. The wild days are over. The massive growth over 10 years is not there unless you take insane trading risks. If you buy now, to get the equivalent results I did you'll need to sell when it gets to around US$1m. I can't see that happening unless its through some kind of global hyperinflation and people somehow start throwing increasingly worthless paper into BTC thinking its safe like real precious metals or something. Today's HODLers are taking bigger chances with bigger stakes. You have to wear the risk that the system fails - and the longer it drags on, the chance of that increase. It could fail to practically zero for lots of reasons: Maybe Satoshi Nakomoto didn't burn his keys and his blocks suddenly start moving somehow, or, maybe so much crime is uncovered publicly that was underpinned by BTC that the exchanges all blackball it - massive loss of value overnight. Think MtGOX on a massive scale. Hodl, but be prepared to loose it all.

AmazonPrincess00

Markets move through bull and bear cycles. We are simply in a long bear cycle. But if you look there are elements like XRP that are not moving in lockstep with Bitcoin.

OkBuy4754

Low fee is a trap. Focus on API latency and liquidity. I stack via bot, <3ms delay, <0.02% slippage. XRP's use case is solid, but HYPE... not so much.

Small_Appearance2014

For 10+ years, stick to strong fundamentals — real utility, active development, and clear positioning. BTC and ETH are solid core holds. From your list, projects like AVAX, Cardano, Chainlink, and XRP are often viewed as long-term infrastructure plays — but they should be smaller allocations compared to your core. You can also look into projects focused on compliance and real-world use, like **RYO**, which aim to build practical infrastructure rather than just hype. Main rule: size positions so you can survive volatility and hold through full cycles.

Glyzzza_

Looks solid for a first move! Weight BTC and ETH heavier, then spread smaller amounts across SOL, AVAX, XRP, and LINK and add gradually over time.

saluki415

Just bought $400 in XRP. Thought it was a good idea but now I’m second guessing myself? I don’t know anything, and this is all very confusing

ReceptionSmall9941

Good breakdown — the sweep scenario is especially likely if volume doesn’t expand through the highs. I’d also watch BTC direction at the same time, since XRP breakouts often fail when broader market momentum rolls over.

DigitalHierophant

This, people new to crypto and come in with the spray and pray tactic. I'd just go in BTC, ETH, SOL and call it a day. Btc digital gold, Eth is basically the IBM of crypto, and Solana is the Apple of crypto. The powers that be will never let XRP pump properly, and people would do well to understand how circulating supply and total supply affect the marketcap(price) of a project. Tao/Links are tossups at this point.

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Post is by: AdPretty1939 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1renz23/first_time_adding_crypto/ I have about 7500k and I’m a 21M and this my first time adding into crypto. This is will likely be what I buy when my funds clear and it will be evenly distributed . Any recommendations or thoughts on if this is a smart way to add. I feel like the prices right now in crypto is so cheap that it should t be a reason I don’t take advantage esp during this time period . This will be my initial investment and I will likely add over time in case it dips even more . Looking forward to people’s thoughts less $LINK $TAO $XRP $SOL $ETH $AVAX $BTC *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Kontrav3rsi

Interestingly, XRP is getting all the news. Guess we are just a scam coin, huh?

TapRepresentative827

too slow, but Chainlink and wormhole already offer bridges. XRP will be the protocol of currency and high-value, fast moving in tier 1 infrastructure. There's room for others in downstream markets. Too many hops, filters, apis, contracts, and conforming details will slow down the transactions while they are trying to increase their speed and settlment.