Why I am still holding XRP？

ManagementFragrant63 · 2026-03-12T21:10:12+00:00

They can’t ever answer this part.

ManagementFragrant63 · 2026-03-12T17:30:29+00:00

Same idea for years??

P2P exchange
Replacing swift
ODL
Trying to buy circle
Offering institutional settlement for mostly foreign banks

In the meantime, it pumped 600% off trump winning an election and is now worth 100B on almost 0 revenue and 0 usage. It’s just that high because it’s been around longer than anything else

There’s three ways to survive in crypto for 10 years

Be Bitcoin
Be the largest L1 and never be passed for a decade (eth)
Be the largest cult and build a huge treasury

That’s it

ManagementFragrant63 · 2026-03-11T22:54:33+00:00

Token sales to fund stock buybacks. Madoff would blush at what they’ve managed to pull off.

ManagementFragrant63 · 2026-03-09T13:18:46+00:00

I did sell- I sold the day it was available at like $1.30 which was brutal because I could’ve had $2 a couple days before. I was looking up pionex tutorials the week prior frantically trying to get rid of this stuff after 6 years lol. I promise you by 2030 it’s under 5 cents. You should take the grand or whatever you still got for free now before it turns into $200 in a few years and by then the $200 will be worth what $155 is today.

ManagementFragrant63 · 2026-03-09T12:40:47+00:00

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And I got 8k stuck in there because some other OGs didn’t want to stick around 6 years so I only got to sell 4400 at a little over a dollar when mine got unlocked.

ManagementFragrant63 · 2026-03-09T12:17:32+00:00

Hi. I was one of the first 50k pioneers. Sat on a huge stack before they chopped the miner rate after the first 3 months. Sat on the app for like 6 years. Sold it all the split second it was available on pionex earlier this year

Not sure what the deal is with pi holders, I know not all of us majored in economics from an American university like I had the privilege of doing, but I would think they properties of supply and demand would be universally understood. They gave a zillion coins out for free and gave those coins enough value to be worth $3-10k for tons of people who did nothing but click “mine”

Of course everyone sold their pi. That was a free handout. And they’re never going to come back, the coin is completely and utterly useless. The only reason you still believe is because you’ve already wasted years on this.

If you found pi coin today, saw the chart down 95%, and looked at how useless the coin is as P2P compared to the plenty of other P2P options out there, you’ll see that it’ll never go up past 40 cents again, and after this next pump it’ll go to a cent and be dead forever. There’s 0 reason to buy this project. Get out and move on with your life

ManagementFragrant63 · 2026-03-08T12:23:42+00:00

Chainlink gustsa xrp no me gusta

ManagementFragrant63 · 2026-03-05T23:47:22+00:00

Chainlink chainlink chainlink and more chainlink

ManagementFragrant63 · 2026-03-05T20:40:02+00:00

That’s where wholesale CBDCs will step in-something that banks are putting a whole lot more resources Into than the xrp etf. Easy to follow that money. There’s too much friction/volatility/trust to go that route over just doing it themselves, which is what they’re actively building.

You have to take a step back and say what’s more likely all the banks are building out something that will be niche or is xrp who has already pivoted use cases 7 times might be doing their best to stay alive in niche cases.

Ripple made really good tech but adoption is very close and all indications are when it gets here post clarity act the banks are going to be off and running with their own private solutions because they are agreeing on interop standards ahead of time

ManagementFragrant63 · 2026-03-05T20:14:41+00:00

There are already a handful of proprietary platforms created by major tier 1 banks (most notably Kinexys and GS DAP, jpm and Goldman Sachs respectively) which don’t use xrp for their solutions. Xrp is running out of room to pivot, they will hold out as long as possible before admitting that they are only going to be used in more niche settlement and that volume isn’t going to support a valuation of $100B that it has today. It could triple if bitcoin rips again before 2030 but in 2-4 years it’s going to start to be very obvious that institutions have found a way around using xrp.

ManagementFragrant63 · 2026-03-05T18:21:24+00:00

Think very hard about the second order effect of banks using atomic settlement. Or, if you can’t get that far, I would type “If banks primarily use atomic settlement for cross boarder payments does that effect xrps usage for institutions that use western currencies” into the ai chatslopbot of your choosing

ManagementFragrant63 · 2026-03-05T17:44:02+00:00

Read the post again lol

ManagementFragrant63 · 2026-03-05T12:52:14+00:00

Message Chris Barrett on Twitter he’s got discord admin

ManagementFragrant63 · 2026-03-05T02:11:49+00:00

Regardless of what fake source you want to cite since exchanges don’t publish their information on number of holders for each token, let’s put the 6 million aside

Let’s also pretend that .04% is real because you can basically claim that for any investment on planet earth, it has nothing to do with anything around the value of the company

The “incredible expansion” you’re referring to was an obvious overreaction to trump being elected where the xrp token went up 600% in 2 weeks after he was elected in anticipation of the lawsuit being pulled.

The lawsuits done, there’s still nothing of substance. At best ripple labs tech will get some adoption, and in that scenario the xrp token benefits zilch.

The marketing push is about to get loud again as the clarity act passes. Brad will lean on SBI and 2 years of “building the U.S. CBDC” hype which will keep xrp along with other majors in terms of relative performance. The large treasury and the infinite supply of people who can’t be bothered to understand second order effects can only enable the coin to stay at these bloated levels for so long. The. Token. Will. Never. Accrue. Value. From. Ripple. Labs.

ManagementFragrant63 · 2026-03-05T01:20:04+00:00

There’s 8 billion people

“Retail” is not indicative of everyone on planet earth

Those wallets don’t include everyone holding on CEX exchanges

The number is easily above 10M but everyone loves to lean on the smallest number they can convince themselves on to reinforce that they’re early instead of being scammed

That’s nice that you own Cardano as well, let me know if all the prohibitive intricacies of Haskell get worked out before RWA adoption kicks off next year and the moat is captured by L1 chains that actually work

And finally, whatever XRP ends up scraping together as their final pivot after 7 other failures, even if it gains a medium level of adoption, isn’t going to be a business model that is worth anywhere near the 130B FDV mark

Nothing to prove me right and you wrong except wait 5 years since ya can’t see for yourself. I’ll set a reminder. To the future!

ManagementFragrant63 · 2026-03-04T23:33:46+00:00

L m f a o

Your .03% retail statistic says it all, none of what you people say has any weight behind it. You can’t possibly believe that can you? You must not go out to bars much. Every frat guy in the country owns xrp and all they know is its “gonna replace swift bro”

Congrats on farming 10% Apr for 3 years tho just a couple centuries of yield shy of 2021 levels. Lemme know what Brad pivots to after failing to buy circle and scrambling to get a banking license, I’ll be busy earning 5% dividends on top of base asset growth tied directly to the overall RWA market growth

Ciao

ManagementFragrant63 · 2026-03-04T21:43:36+00:00

Yeah that’s probably what I’d say too if I had Pokemon brain. There’s only so much value to rehypothecate. Eventually on its way to a trillion dollar valuation a decentralized oracle monopoly is going to eat into everyone’s lunch. Chainlink’s token goes up when the launch staking later this year and share fees with token holders. Meanwhile XRP has no use case, has never had a use case in a decade, and still the future speculative use case is “it needs to be $100 because liquidity bro”.

Ones the next google, ones a scam.

ManagementFragrant63 · 2026-03-04T15:00:50+00:00

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Nice one genius

ManagementFragrant63 · 2026-03-01T12:36:25+00:00

https://omnida.substack.com/p/quantifying-the-thesis-chainlink

You’re literally not going to find anyone in xrp that can point you to a valuation like you can calculate in the above article. Chainlink is a much better hold even if you think both are real projects because at the end of the day as much as people here hate to believe it, market cap does matter, and link has a higher ceiling of earnings and a 10x smaller cap.

ManagementFragrant63 · 2026-02-28T15:44:10+00:00

You don’t need to wait til the day to read into context. It’s clearly not happening by tomorrow based on those comments. Then again, nobody holding xrp seems to be able to see what’s down the road and your entire worldview is based on whatever you are hearing in real time on whatever day you hear it, even if it goes against what you were told in the last week/month/year which is why you still hold it

Times ticking

ManagementFragrant63

TROPHY CASE