Will Retail Investors Be Left Behind The XRP Debate Explained

[00:00:00]Hello everyone. As with you always, this is Rich doing another video today on XRP.

[00:00:09]So, I hope you're all having a wonderful day today wherever you are in this great great world. We're going to talk about XRP and I got to start with this. Every July for the past 6 years has closed green for XRP. So, will history repeat itself this time around? I'm really hoping that happens. You know, I just want XRP to break out so people could start getting excited again. People could start to feel euphoric again. But most people, they build their millionaire bag in the bear market. They build their millionaire bag at the bottom. So many people wanted XRP at these price levels again. It fell all the way down just above a dollar. And instead of buying the dip on XRP, buying it at rock bottom prices, most people thought it was easier to just fud and hate on XRP instead. Those people will be back chasing XRP once the green candles show up. Veteran trader Peter Brandt says Bitcoin's bear market will bottom on October 4th, 2026 with a potential low below 50k before recovering. Here's my problem with this.

[00:01:33]Everybody is expecting the bottom to come in in October.

[00:01:39]Most people already believe the bottom is in for crypto.

[00:01:44]When it comes to XRP, it could start to break out right now and go on a massive run without Bitcoin.

[00:01:53]It doesn't really need Bitcoin to drive up the price of XRP. But, we are still following Bitcoin right now. But, I still believe because of utility, we will eventually decouple from Bitcoin. I think it will happen in 2026.

[00:02:12]XRP has held a top 10 spot for 13 straight years. It never fell out of the top 10.

[00:02:21]From the time of XRP's inception.

[00:02:26]No other altcoin has been able to do that. And at one point, it flipped Ethereum. And it actually flipped Bitcoin as well. But, then they took out the South Korean market, and somehow they finagled the numbers and made it look like XRP never flipped Bitcoin.

[00:02:47]But, most people still have those screenshots all over X. But, that tells you that XRP, the strength of this cryptocurrency.

[00:02:57]The reason it never fell out of the top 10 is because it was built from day one to be a better Bitcoin. That's why at some point, it will take that number one spot away.

[00:03:11]And a lot of people are talking about this coming from Bitrue. Breaking, XDC and XRP are two of many blockchains handling DTCCs for quadrillion dollars in annual settlements. First of all, XDC and XRP are not blockchains. They are cryptocurrencies.

[00:03:32]XDC network and the XRP ledger are the blockchains. According to DTCCs head of digital assets, no single blockchain can handle DTCCs for quadrillion dollars in annual settlements. That's why they've enlisted the help of XDC and XRP to support their workflow. So, I wonder why Bitrue is pushing XRP and XDC right now.

[00:04:02]I know it's going to be a handful of networks. And the cryptocurrencies associated with those networks, they're absolutely going to appreciate in price.

[00:04:13]But, a lot of people said this was AI generated and it wasn't. It came directly from Bitrue.

[00:04:21]We need 10,000 letters to get clarity across the finish line. Time is running out, and without clear rules, consumers aren't protected. Don't let the skeptics win. Connect with Congress, and this is what it looks like at crypto-law.us.

[00:04:40]Congress to connect to Congress. So, you could fill this out and have your voice be heard. But, here's a question for all of you. Do you think your voice matters at this point? They can't get nothing done. They even have law enforcement behind the Clarity Act now, which they were opposed to it at one point. They have the Catholic Church now back behind the Clarity Act as well.

[00:05:08]If they can't get it done, our voice really isn't going to matter.

[00:05:13]They don't care about the American people. Most of these people are working for the big banks. That's who's filling their pockets, and that's why this has been delayed for so long, and why it's still going to continue to get delayed.

[00:05:29]But, now hopefully, because all these other countries are pushing ahead, hopefully, they decide maybe we need to get this done finally. But, you could connect to Congress right here and have your voice heard.

[00:05:45]You can really tell who's serious about research and going all in. Some people have sold cars, houses, other expensive belongings to go absolutely all in with everything they have got to fully utilize this opportunity.

[00:06:02]Then there are others with small bags and claim they believe in it yet spend money on the dumbest things and not willing to sacrifice anything. You get results through knowledge and sacrifice.

[00:06:16]You know, back in 2020, I sold a work vehicle, a truck I had and all the money went into XRP.

[00:06:26]So, I was always fully committed to XRP.

[00:06:30]Along the way, I sold other things and ended up putting the money into HBAR, into XLM, and XDC.

[00:06:40]But, I literally put an entire work vehicle into this cryptocurrency.

[00:06:48]Because once Gary said that it was a security at the SEC, I said, I got to buy more of this cryptocurrency cuz I knew that it was the banks that were trying to hold back XRP. And if they were so afraid of XRP, that told me all I needed to know. That told me that XRP is eventually going to disrupt the entire banking system as we know it. And look at where we are today.

[00:07:22]All the pieces of the puzzle are almost in place for XRP to run across all of those rails.

[00:07:31]Everyone has their own crypto strategy.

[00:07:34]Take a listen to this and I want to remind you that J Cleaver, a lot of people might not agree with him on a lot of his predictions because his prediction didn't come true last year, but he only holds XRP. Take a listen.

[00:07:50]>> You still hold mostly XRP?

[00:07:52]>> It's all I have.

[00:07:54]>> All you have?

[00:07:54]>> Yeah.

[00:07:55]>> You don't have [clears throat] any Bitcoin?

[00:07:56]>> No.

[00:07:57]>> No [snorts] Ethereum?

[00:07:58]>> No.

[00:07:58]>> Why don't you think they have value when like to me they have more value than XRP?

[00:08:02]>> Well, they do. They have So, you know, I'm not worth a hundred million dollars or a billion dollars.

[00:08:09]>> Yet.

[00:08:09]>> Yet.

[00:08:11]When I am, then I'll diversify, right?

[00:08:13]And I'll probably get into some blue chip stocks and Google and stuff that's already high value. I mean, look at uh Berkshire Hathaway. They didn't get into Apple until way down the road when it was already a really established company. And that's stuff that you do when you have a lot of money and you need to park it places that are There's a pretty good bet that this is going to be around.

[00:08:31]I think it that's where, you know, the Bitcoin and ETH people are. They already made their money in crypto or they made their money some other way and they're trying to park it somewhere that's a blue chip.

[00:08:40]Um XRP and these other digital assets that I think are going to have utility in in the new financial system, they're going to have significant ROI. So, I'm I'm still in more of a wealth creation mode rather than a wealth preservation.

[00:08:55]>> What he's telling you is if you're already wealthy, then maybe Bitcoin's for you. It's a place to park your money.

[00:09:04]But if you're still building your wealth, you build it in XRP because the return on investment is with XRP. It's not with Bitcoin or Ethereum.

[00:09:16]People that are invested in XRP are going to make way more money than people that have a little bit of money in Bitcoin or a little bit of money in Ethereum.

[00:09:27]There's so many retail investors that don't even hold one whole Bitcoin. Yet, those are the biggest voices on social media battling it out with the utility holding retail investors. And they're the first ones to tell you that it's going to a million dollars. Why? Because they need it to go to a million dollars so they actually make some money. With XRP, as long as you continue to stack and pack your bag with more and more XRP, you don't need it to go to those much higher prices to make a lot of money. I mean, look at it like this. If you hold a thousand XRP, a thousand XRP by the end of this year should be worth somewhere around $27,000 because that's what all the chart guys are calling for right now. Now, more bullish scenario, like if the catalyst start to play out, you're looking at $50,000 per 1,000 XRP or maybe $100,000 per every 1,000 XRP that you're holding.

[00:10:40]The return on investment is not with Bitcoin. And XRP is the perfect cryptocurrency for the working-class person because you could still stack a decent bag of it ahead of institutional adoption.

[00:10:59]This comes from vet heated debate on XRP ledger reserves today. I'm not voting for those lower reserves. In 2012, activating an account required 1,000 XRP in base reserves. The create fee era.

[00:11:16]Yeah, it was a fee back then, not reserve that you get back in portion.

[00:11:22]Imagine buying XRP back then. You took a thousand XRP that you never got back.

[00:11:29]Jed McCaleb lowered it to 200 XRP heading into 2013 for the XRP ledger we know today.

[00:11:39]The architects designed reserves as a deliberate protective mechanism of network resources, storage, and memory against spam and DDoS attacks. Storage and memory are still expensive due to AI, making them a real commodity for the network. Overtime we lowered reserves through simple validator votes, not amendments. It may be simple a simple vote, but it requires active participation and possibly risk flapping between reserves. The graphic below shows the journey starting from the 200 XRP base and 40 XRP owner reserve era.

[00:12:23]Today activating account one XRP base reserve holding tokens like rUSD, USDC, or one dash 32 NFTs, 0.2 XRP owner reserve each. If they would have never lowered the fees when it comes to opening up an XRP account, a lot less people would be holding XRP right now.

[00:12:50]And even one XRP.

[00:12:53]Right now it doesn't seem like a lot, but what if XRP went to a thousand dollars? All of a sudden it cost one thousand dollars just to open up an XRP account. What about ten thousand dollars per XRP? Now it costs ten thousand dollars to open an XRP account. And people still don't think that retail is eventually going to be priced out of XRP.

[00:13:22]It is going to happen over time. Just wait until scarcity shows up and demand continues to rise. We are going to see price spikes on XRP like we've never seen before.

[00:13:37]But until it all happens, stay patient, stay positive, and let's get rich together. With that said, I'm going to wrap up this video. I want to thank you all for watching. I appreciate all of you. I'll see you in the next one. Have a great night.