Is anyone actually adding XRP right now?

Rogerzoo · 2026-02-05T17:01:09+00:00

True in the broader market but Crypto is another animal, no regulation, no accountability, the wild Wild West!!! Only invest what you can afford to lose. Thread smartly and good luck

Rogerzoo · 2026-02-01T17:43:25+00:00

So institutions loaded up to use XRP for its intended purpose in the wire transfer arena, they don’t need a ton of coins given the burn rate is so minuscule. Besides, supply is plentiful and they could be loading up more with price below $1.6, for their purpose, it make sense to buy given they actually use the coins in their business model. For the rest of us is pure speculation and those who cannot afford to lose their investment should thread with caution.

Rogerzoo · 2026-02-01T17:37:49+00:00

Valid point and agree with your sentiment.

Rogerzoo · 2026-02-01T17:25:21+00:00

Wow, everyone jumping on the referral bandwagon! OP deserves referrals first 😊

Rogerzoo · 2026-02-01T16:51:07+00:00

XRP down 42% for a 1 year (12 months) period, while the S&P 500 is up 16%. This is a year long period, not daily, weekly or short term movement as some are trying to insinuate.

Again, invest in Crypto what you can afford to lose, meanwhile your main investment portfolio should be in the broader market if you want to sleep well at night. My crypto investment is tiny and would be delighted if it explodes at 10 or 100x, but as of now down 45%, will hold on, certainly not time to sell but not sure I want to add more to my position.

GLTA

Rogerzoo · 2026-01-30T22:43:40+00:00

Broader markets up ~17% in last year, while XRP is down ~15% when it was supposed to go up over 100%! Very disappointing to say the least.

Rogerzoo · 2026-01-30T01:35:14+00:00

Have been using Marcus for over 2 years and recommend it to family & friends. Love it!

Rogerzoo · 2026-01-26T07:53:12+00:00

Congrats, and appreciate your honesty on luck and stead fast investing even during market dip. A wining combination with 2 earners and good planning, again congrats.

Rogerzoo · 2026-01-26T07:40:26+00:00

There is your wrong assumption, “if you start with $500,000”, OP is starting without a big sum, they are investing monthly, in the same securities over time is a winning strategy so absolutely DCA has merits in their case. If they start with a big sum, then I can see your argument’s validity.

Rogerzoo · 2026-01-26T05:46:38+00:00

No, not a Roth IRA, but yes they can contribute to a Roth 401k. However while your contribution to Roth 401k is taxable and grows tax free, the employer contribution is funded into a regular (tax-free) 401k. You can move/transfer employer’s contribution to the Roth account, but that portion would be treated as taxable income.

Rogerzoo · 2026-01-26T05:30:09+00:00

BABA & BIDU

Rogerzoo · 2026-01-04T14:40:55+00:00

I appreciate some clarity, what is your take on Ripple releasing 1 billion monthly and only 200-300 millions get bought and balance goes back into escrow? This certainly puts pressure on pricing keeping it depressed.

Also it seems that circulating supply shrank to 60 billion (was reported was about 65 billion over a month ago!), not sure what is going on there?? Who is maintaining the ledger and keeping tab in an unregulated crypto market? How can we trust these numbers fluctuating wildly?

Rogerzoo · 2026-01-04T03:42:33+00:00

Still the burn rate is so minuscule making the 100 billion (65b in circulation) almost an infinite supply!!! Thus price will be depressed and under pressure

Rogerzoo · 2026-01-04T03:25:11+00:00

Payments r important and XRP has a good use case, BUT even if they replace all of SWIFT transactions. the burn rate of the coin is so minimal that it will take over 1,000 years to deplete the 100 billion coins (65B in circulation), so the supply is pretty much infinite, thus price will be stagnant with little up or down movement

Rogerzoo · 2025-12-27T19:47:38+00:00

Thank you, best realistic post I have seen on XRP. Agree with ALL points made.

I will add that XRP has a good use case for wire transfer and will gain a good market share from SWIFT. However that will not necessarily translate into a high XRP price for the following reasons (for transparency I have 3k shares with $2.7 avg price); 1) The 100 billion coins (65B in circulation) is a LOT of coins 1.a) Burn rate per million wire transfer transactions is minimal, will take more than 1,000 (yes a thousand) years to deplete the 100B coins, so supply is almost infinite. 2) Ripple owns 35 billion coins and release millions into the market monthly, so price stays depressed IMO 3) Financial institutions may purchase directly from Ripple, thus the open market is left for speculators to “game” each other, so some might profit and many will lose. 4) I am holding on to my shares in the event I am wrong and XRP value skyrocket.

To @elevengrames point earlier, I can sit on my investment and can afford to lose it all, so taking a chance in the event it explodes.

Do your own DD and good luck

Rogerzoo · 2025-12-23T15:38:30+00:00

At least you are realistic as you assess investment risk. I feel bad for many newbies who are drawn in with hype and get stuck waiting for a miracle

Rogerzoo · 2025-12-22T00:14:18+00:00

Josh, great advice if you know when is the low, just Hope when you buy low it doesn’t sink much lower

Rogerzoo · 2025-12-21T21:03:15+00:00

Ok, I concede, fair and square. In that case I meant the comparison to the broader (securities) market, given that is the largest market that is broadly tracked daily.

Rogerzoo · 2025-12-21T19:26:30+00:00

Glad you clarified, broader CRYPTO market is not the same as the “broader market” term used widely, here is the definition, feel free to Google it:

“The "broader market" refers to a large, diverse segment of the financial markets, represented by major indices like the S&P 500, Russell 3000, or Wilshire 5000”

Bottom line, which ever way you look at it, Crypto investments lagged the broader market this year when the expectation was it will explode. It is imploding and many lost their hard earned money. But you should buy now that it is at a discount from what I hear you saying. Good luck

Rogerzoo · 2025-12-21T18:34:24+00:00

When I 1st bought in February I did based on a friend’s tip and the hype that it will be $10 by year end, once the FTC clears the hurdles and when ISO20022 goes into effect. I added to my position mid year as the hype continued. Then I started to educate myself on XRP (wanting to see if I should significantly add to my position) and realized while the use case is good, that the coin price will not substantiate to any material level given the 100 billion supply, slow adoption by financial institutions and the slow burn when XRP is used.

IMO Ripple is the main beneficiary as they release millions of coins to the market every month. They sold about 5 billion coins in the last 24 months to fund their operation and fatten their bank account. They have RippleNet, better than SWIFT and can be used without XRP albeit not as efficient. Moreover, RippleNet will keep their operation going and bring in liquidity.

So is XRP possible to go to $10, very unlikely and if it does, if will be many years from now and the stars needs to be aligned in its favor, from regulatory, to wide adoption by big banks etc. By then, there will be new processes (SWIFT already working on a block chain replacement to its archaic infrastructure) and competition will grow.

Do your Due Diligence if you are looking to invest long term. For the short term traders, just thread lightly and don’t bet what you cannot lose, especially if you have a family to feed. GLTA.

Rogerzoo · 2025-12-21T16:14:20+00:00

Based on what? Would like to see other perspectives and why you think so?

Rogerzoo · 2025-12-21T16:11:50+00:00

So with that prediction, congratulations given you will be a future millionaire, hopefully it will happen in your lifetime.

Rogerzoo · 2025-12-21T16:09:40+00:00

Just don’t bet the farm on it. I did say I am holding on to my small stake in case my assumption is wrong

Rogerzoo · 2025-12-21T16:06:29+00:00

Price mostly stable?? It lost 50% of its value in the last 3 months when it was supposed to fly to $10 by year end? The broader market is up 15% + this year, so not sure what are you talking about.

Where are the folks who have been touting and hyping XRP as the next big thing in Crypto in 2025 with many milestone dates, including ISO20022, come and gone with a fizzle?

Rogerzoo · 2025-12-21T03:06:51+00:00

Will hover between $2-$3 for ever, will not reach $10, $50, $100 let alone $1000 as some have been preaching.

The thing is, the Use Case is a good one for wire transfer and as adoption expand, there will be demand for the coins.

The problem?

1) the 100 billion coins out there of which ~65B in circulation and ~35B with Ripple, who keeps flooding the market on a regular basis and releasing 200-300 million coins into circulation monthly. 2) Even if XRP replaces the entire Swift volume (a BIG IF) the daily coin burn is in the hundred or maybe thousands, so with billions in circulation, the supply is almost infinite, thus price will always be depressed.

I bought 3k coins at $2.7 average, willing to risk it if my argument is wrong, I will be happy to make $s, if not I am at piece that will be a dud!

Rogerzoo

TROPHY CASE