Strategic dollar-cost averaging in cryptocurrency investing involves buying assets during accumulation phases when risk-to-reward ratios favor buyers, setting clear accumulation goals based on portfolio allocation targets, and recognizing when opportunity costs become significant enough to stop accumulating and deploy capital elsewhere, rather than continuously buying regardless of market conditions.
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Buying 1,000 XRP EVERY MONTH At These Levels
Added:Today is the first dedicated XRP video I've made in over 6 months. It's also the first time I've purchased XRP in large amounts since 2024.
So, with XRP nearing a dollar, there has never been a better time to explain why I'm buying again, how I'm approaching the market, and my plan going forward.
So, if you own XRP or just enjoy watching the videos, be sure to leave a like down below. And with that said, let's get straight into the video. Okay, so a quick reminder for every video that we make on the channel, this is not financial advice and for entertainment purposes only. Nothing in cryptocurrency is guaranteed and you could lose all of your money. Stay safe and do your own research. So, I'm personally buying XRP once again. The main reason is that the risk-to-reward ratio is favoring buyers once again, similar to the 2022 bear market where we purchased and documented live, pretty much buying every single week. So, we purchased aggressively during 2022, 2023, and the beginning of 2024. Even though sentiment was in the dumps, we were in a crypto winter, we knew the case was unjust. Then, the case was over, XRP's utility was somewhat priced in. Did it Could XRP have gone higher? Yes. Did we believe so? Yes.
But, it was enough to the point where we stopped buying because the risk exceeded the reward. So, we didn't turn bearish all of a sudden. You can be bullish on an asset, but it doesn't mean you have to buy every single week. It means buying when the odds are in your favor, and I believe they are once again. That is why I'm buying once again today. I want to show you a few examples, a few situations over the past couple of months with XRP, which might give you some insight as to why. So, back in May, at the XRP average trader returns, we're at their lowest point since 2020, 2020, right before the historic bull run of 2021. At the same time, wallets with at least 10 million XRP held an 8-year high, over 45 billion coins. And this theme continued in June, right? Whales with over 1 million XRP increased their holdings by 1.5 billion tokens in the past 6 months, nearing 3/4 of the entire supply. In the same month, XRP weighted sentiment hit its lowest mark of 2026.
Retail capitulate during times of fear and uncertainty, and whales accumulate.
More often than not, whales buy based on information. They do not wait for the price like retail. And if you want proof of how low the sentiment is currently, there's talks of XRP being dead or being replaced. But just last week, Swift says 17 commercial banks will pilot cross-border transactions using its new blockchain ledger. The network allows participating institutions to settle customer funds 24/7 via tokenized deposits without altering credit and risk standards. Somehow, this makes XRP obsolete. Just the same as back in 2020, the SEC killed XRP. In 2022, CBDCs killed XRP. In 2024, RLU SD, the stable coin from Ripple, was replacing XRP.
Here is a similar story in 2026. So when Swift upgrades its own system, it doesn't stop another bank from using Ripple payments or another payment provider using XRP for liquidity. Just as Visa launching new feature does not kill MasterCard. Networks can coexist.
Moving on to the second point, my buying plan and what will make me stop. And not enough people talk about this. The two questions I receive is when should I start buying XRP and how much XRP should I start buying? No one asks the question, when should I stop dollar cost averaging into XRP? And I stopped buying XRP in the last cycle.
I'll I'll tell you why in just a second.
So, during the last cycle, I purchased every single week during the bear market and I had a goal. So, I looked at the rich list of where I was. Let's just say I was 2% with 21,000 XRP and my goal was to reach the top 1% of XRP with 44,000.
I would make a rough guide of how long I thought that we were going to be stuck in this range. The weekly payments needed to that's it and I would set that goal. Once it was reached, I would start lowering my weekly accumulation. But, there was another reason I stopped buying XRP and that was opportunity cost. So, let me give you an example of this. You own 40,000 XRP, that's 20% of your portfolio. XRP spends another year ranging at the same levels while other assets are breaking out. That doesn't mean XRP is a bad investment. It means you could put in your cash elsewhere to work harder for you. And the exact thing that happened during the prior bear market. We talk about this endless range with XRP. Well, from October 2023 to March 2024, the crypto altcoin market cap, excluding the top 10 cryptocurrencies, essentially tripled.
Right, many tokens in my portfolio 5x and 10x onwards while as XRP was stuck in the same exact range. So, by mid-2024, I made a decision. I didn't become bearish in XRP. I didn't sell my XRP. I simply stopped buying XRP. I already reached my accumulation goal and the opportunity cost had become real. And this is where most people made a massive mistake. They think there's only two buttons. You can either only buy or sell. Sometimes the best thing is to do nothing. Hold onto the crypto you've worked so hard to accumulate and let it run its course. And with XRP, it did.
So, my buying plan, buying every single week, when cryptocurrency is in the accumulation zone until I reach the next percentile and I take a step back and put my capital to work elsewhere. So, why am I so comfortable holding XRP for so long? And the utility cryptocurrency.
So, most people in 2022 thought I was a madman for buying XRP.
And simply put, it comes down to utility of that cryptocurrency. You know, back in 2022, there was around 19,000 cryptocurrencies. We said the market was overdone with cryptocurrencies and most of these altcoins are going to go down to zero and that was true. Here we have 54 million tokens. Unique cryptocurrencies are unique and cannot be replaced tomorrow. And that token is obviously XRP. XRP is the only cryptocurrency to appear in every top 10 since 2014.
And when it comes to cryptocurrencies that have been here half the time of XRP, they either fade away or when it comes to utility they have, you find yourself referencing articles from five, sometimes even 10 years ago. With Ripple XRP, you're given reminders why this project is still in the top 10 with the constant utility, with partnerships, integrations, and just ecosystem progress, right? In the recent downturn in the market, billions have been leaving exchanges. We've seen 1.79 billion leave for Bitcoin, 273 million for Ethereum, 3.8 million for Solana, but inflows for XRP. This is not the first time it has happened. When it comes to XRP ledger, it just crossed 8 million activated accounts. And when it comes to the RWA value, this time last year, it was around 300 million. Fast forward to today, 4.4 billion. So, in terms of RWAs, more money is flowing into XRP than Ethereum, Stellar, BNB, Solana, and Avalanche. And more recently, just a few days ago, BlackRock, Goldman Sachs, JP Morgan, Morgan Stanley, Ripple, and 49 other firms have joined the UK's tokenization task force to develop live tokenization use cases across financial markets. And at this point, Ripple is undeniable, right? They're helping shape the future of tokenized finance alongside the world's biggest financial institutions.
And when you combine this with everything that Ripple has done, becoming that one-stop shop for everything, right? Acquiring Hidden Road back in 2025.
>> [snorts] >> Breaking into corporate treasury with the 1 billion G Treasury acquisition back in 2025 and the acquisition of Metaco back in 2023.
My final point, Ripple has invested approximately $4 billion into the crypto ecosystem through strategic investments. And XRP's role in all of this is that bridge asset for liquidity. XRP's role isn't as used in every single transaction, is that it's there to be that native bridge and liquidity layer when it's needed most.
That is the utility and the role of XRP.
And just these few reasons they are adding up to what makes me comfortable to hold XRP for time to come. If I really went into all the reasons, we'd be here for another 30 minutes. But that's probably going to be pretty much it for today's video. You know, Simply Poop, I'm starting to dollar cost average again. I believe the odds are in the buyer's favor once again. I have targets set where I want to what how much XRP I want to accumulate. And once I reach those targets, I'm simply going to stop and start putting my capital elsewhere. If you are more interested into this process by how much XRP I'm actually buying and when I'm buying that XRP and my sell orders in place, go and check out the private portfolio series on the channel in the member's section.
I go into more detail with all the cryptos in my portfolio. But if you made it find a video, thank you very much for watching and I will see you guys in the next one.
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