disciple13.eth retweeted
Holding $XRP Doesn’t Mean You Understand It.
I’m seeing people use how long they’ve held $XRP as an argument for why they deserve to be wealthy. Five years, eight years, ten years. Apparently Ripple owes them a return for being patient. That’s not how markets work, and the history matters.
In 2011, David Schwartz, Jed McCaleb, and Arthur Britto began developing what became the $XRP Ledger. They wanted to move value quickly without Bitcoin’s mining requirements. The XRPL launched in 2012 with 100 billion $XRP created at inception. The asset was originally called ripples, sometimes referred to as Ripple Credits, and $XRP was its currency code. The network itself was originally known as Ripple. That explains some confusion today.
The company came later. It started as NewCoin in 2012, became OpenCoin, then Ripple Labs, and finally Ripple in 2015. The founders gifted 80 billion $XRP to the company to develop uses for the technology. Ripple is the company, $XRP is the asset, and XRPL is the decentralized network. People still confuse them.
The XRPL was built to move value, support payments, exchange assets, and bridge currencies. Ripple developed financial products, including payment services that use $XRP to provide liquidity between currencies. In 2012, institutional crypto custody was barely developed and regulatory clarity was missing. Many buyers weren’t studying payments or liquidity. They were studying what their bags might be worth at some imaginary price.
In December 2020, the SEC sued Ripple, Brad Garlinghouse, and Chris Larsen over $XRP sales. Exchanges restricted trading and legal uncertainty followed. In 2023, the court ruled that $XRP itself wasn’t inherently a security and that Ripple’s programmatic exchange sales weren’t investment contracts under the circumstances examined. It also ruled that certain institutional sales violated securities laws. The appeals were dismissed in 2025, leaving the judgment in place. The case mattered far beyond Ripple.
Think about someone who bought in 2016. The lawsuit hadn’t happened, the court ruling didn’t exist, and today’s AMMs, native NFTs, and other XRPL tools weren’t available. You bought into technology and an industry that still had years of development ahead. Why would ten years of waiting entitle you to a specific price?
Look where things stand today. The XRPL has a native DEX, AMMs, stablecoins, tokenized assets, and people building real applications. Ripple has expanded through Metaco, Standard Custody, Hidden Road, Rail, and GTreasury into custody, brokerage, payments, and treasury services. It launched RLUSD in 2024 and has expanded its work in regulated financial infrastructure. That’s a long way from 2012.
Ripple growing doesn’t mean every announcement creates demand for $XRP. RLUSD isn’t $XRP, and Ripple isn’t the XRPL. Real demand comes from actual use, liquidity needs, and people or institutions choosing to acquire and use the asset. There’s still plenty to build, more adoption to earn, and no guaranteed price or timeline. Understanding each development matters more than another prediction.
If you’ve spent ten years holding $XRP, staring at charts, and waiting for Brad to reassure you, what have you learned? You could have explored the DEX, learned about liquidity, developed something, or started a business. None of that guarantees income, and financial tools have risks, but the opportunities to learn and build are there.
I’ve done it. I build on the XRPL, use the technology, and teach people how to use it. You can argue with me all you want, but I’m not waiting for someone else to create opportunities for me. Some of you have spent more time complaining about what $XRP hasn’t done for you than learning what you can actually do with it.
Ten years of holding doesn’t mean ten years of understanding. The market doesn’t owe you anything for waiting.
disciple13.eth retweeted
Hyvä uutinen Ripplelle ja RLUSD-stablecoinille.
Huom. Uutisessa ei ole enää mainittu sanallakaan XRP:tä.
🇺🇸 JUST IN: Ripple CEO Brad Garlinghouse says the OCC has given final approval for Ripple National Trust Bank, creating a federally supervised home for $RLUSD and enterprise crypto custody.
disciple13.eth retweeted
Dump incoming
Big news heading into @RippleSwell: the @USOCC has granted final approval for Ripple National Trust Bank.
This gives Ripple a federally supervised platform to support $RLUSD and provide digital asset custody to enterprises.
We’ve always said crypto and banks work better together — this is what that looks like. Real innovation, real accountability, federal oversight.
The revolution isn't happening outside the system. It's happening from within it.
disciple13.eth retweeted
Some facts the $XRP community needs to understand.
Ripple is a private company. $XRP is a digital asset. The XRPL is a decentralized network. They’re not the same thing.
Buying $XRP doesn’t make you a shareholder in Ripple. You don’t own part of the company, and Ripple doesn’t owe you a return on your investment.
Holding $XRP for 5, 10, or 15 years doesn’t entitle you to a specific price. Markets don’t reward people simply for waiting.
Ripple growing its business doesn’t automatically increase demand for $XRP. Neither does every partnership, acquisition, or RLUSD announcement. Actual demand depends on how the asset is used.
You don’t need to become a developer to invest in $XRP. Nobody ever said that. You can invest, ask questions, criticize Ripple, and expect transparency.
The XRPL is an open network. You don’t need Ripple’s permission to build applications, operate a business, trade, or use its technology.
I’m 100% bullish on $XRP, 100% of the time. That doesn’t mean I’m going to ignore the facts or tell people what they want to hear.
You can believe in the future of $XRP and still understand how it works. Those two things should go together.
Replying to @Disciple_13 @BoredApeYC
just check onchain
27,750 minted
9,459 ripped
+ physical claims & rips
disciple13.eth retweeted
🚨RIPPLE CEO BRAD GARLINGHOUSE SAYS DON’T BET EVERYTHING ON $XRP!
His advice to close friends?
Buy the TOP 5 cryptocurrencies and hold them for 5 YEARS.
disciple13.eth retweeted
Anyone know how many packs ripped vs still closed ? @BoredApeYC @mfigge
disciple13.eth retweeted
Big news heading into @RippleSwell: the @USOCC has granted final approval for Ripple National Trust Bank.
This gives Ripple a federally supervised platform to support $RLUSD and provide digital asset custody to enterprises.
We’ve always said crypto and banks work better together — this is what that looks like. Real innovation, real accountability, federal oversight.
The revolution isn't happening outside the system. It's happening from within it.
disciple13.eth retweeted
Final OCC approval for Ripple National Trust Bank is the result of a simple choice we made years ago: build within the regulatory perimeter, not around it.
Clear rules + rigorous oversight create trust. And trust is what allows new financial infrastructure to scale.
Big news heading into @RippleSwell: the @USOCC has granted final approval for Ripple National Trust Bank.
This gives Ripple a federally supervised platform to support $RLUSD and provide digital asset custody to enterprises.
We’ve always said crypto and banks work better together — this is what that looks like. Real innovation, real accountability, federal oversight.
The revolution isn't happening outside the system. It's happening from within it.
disciple13.eth retweeted
JUST IN: 🇺🇸 Ripple officially receives full US regulatory approval to operate as a national trust bank.
disciple13.eth retweeted
The Club secured 5 spots on the NFC Lisbon 2027 PFP Wall.
5 Apes will each receive a 50×50 cm hand-painted portrait of their Ape, 2 VIP tickets, an exclusive digital collectible & more.
Connect your wallet to enter. Winners must attend NFC Lisbon 2027 in person.
Visit nfclisbon.bayc.com to enter. Entries will close Friday at 11am PT / 2pm ET.
disciple13.eth retweeted
I’ve seen the future. You’re welcome. 2027-2030
$8 > $3.70 > $13
ripple:native
disciple13.eth retweeted
I know what some of you are feeling right now with $XRP and other utility altcoins.
You bought, price kept dropping, and now you’re wondering if you got it wrong. Before fear takes over, look at this chart.
Go back to the early days.
$XRP spent roughly 817 days around $0.005–$0.01.
It was boring.
The market was tiny.
Adoption was nowhere near what we have today.
Most of XRPL was still a vision.
Then came the shakeout.
After that, $XRP ran from roughly $0.005 to $3.33.
That’s around a 66,500% move.
Someone who put $1,000 at $0.005 would have owned roughly 200,000 XRP.
At $3.33?
Around $666,000.
Even holding those same 200,000 XRP at roughly $1.30 today would still equal around $260,000.
The hardest part wasn’t buying.
It was sitting through years of boredom, doubt and fear without losing conviction.
Back then, people were trusting a vision.
Today?
The technology exists.
The products exist.
Institutional relationships exist.
Adoption is moving.
And yet people are getting tired because price isn’t moving fast enough.
That’s exactly why I keep reminding myself what I’m holding and why I bought it.
The last major run happened when there was FAR less built around XRP than there is now.
So imagine what the next cycle could look like if adoption finally catches up with everything being built.
I’m not letting a few ugly weeks make me fumble a thesis I’ve spent years studying.
The boring years made the biggest opportunities last time.
I’m not forgetting that now.
We called $ZEC at $47. It reached $1,600, and we sold at $1,500.
We called $QNT at $64. It reached $356, and we took some profits at $300.
And we're still accumulating $QNT for our long-term position around our planned entry levels.
We also have our eyes on several other utility projects that we believe could outperform the broader market in the coming years.
These aren't random picks.
Our team has years of deep experience in technology.
We understand how these systems work, the problems they're designed to solve, and what separates promising technology from projects that simply attract attention.
That experience plays a major role in deciding where we put our own money.
At XFinanceBull, our research goes well beyond price charts.
We study institutional adoption, partnerships, real-world utility, tokenomics, market structure, and potential catalysts that could drive long-term value.
We spend countless hours researching these projects because we want to understand their potential before the broader market recognizes it.
But there's another important part of our research that most investors overlook.
We also study the opposition and the billions of dollars in existing revenue that could be at risk if that technology succeeds.
Look at Zebec $ZBCN, for example.
ADP, one of the world's largest payroll companies, generated approximately $1.35 BILLION in annual interest revenue from client funds in fiscal 2026, holding an average of $40.4 billion in client funds throughout the year.
Now consider what Zebec is building.
Its real-time blockchain payroll technology allows workers to access their earnings continuously, instead of waiting for traditional payroll cycles. Zebec reported $49 million in monthly payroll volume, serving 13,100 employees across 243 enterprise clients in Q1 2026.
That's why we're paying attention. We're not just looking at a better payroll solution.
We're looking at technology that could eventually challenge how traditional payroll companies operate, compete for customers, and generate revenue.
And when billions of dollars are involved, we don't expect established companies to give up market share easily.
That's why we examine who stands to lose, their financial influence, how they're responding to new technology, and the barriers they could put in the way.
We believe understanding both sides gives us a much clearer picture of a project's long-term potential and the challenges it must overcome to succeed.
Finding a good project matters. Knowing when to enter and when to take profits matters just as much.
That's why we share our research with our subscribers.
Our subscribers get access to detailed project deep dives, potential entry levels, long-term price projections, and our analysis of the utility projects we're positioning for.
Every subscriber also receives FREE VIP access to XFinanceBull Academy at no additional cost, where we teach the fundamentals of crypto, blockchain technology, and the financial system we believe is taking shape.
Our goal has always been to help people understand what they're investing in and why, rather than simply buying something because someone told them to.
$ZEC and $QNT are two examples of what years of research, patience, and timing can produce.
And personally, I believe some of the biggest opportunities in utility crypto are still ahead of us.
There are projects we're researching today that I believe could become major players in the next financial system.
Some of them are still barely getting the attention they deserve.
Our deeper analysis, entry zones, and long-term projections are available on our subscribers feed.
I'm proud of the calls we've already made. But what excites me even more is what our team is researching and positioning for right now.
I believe the next few years will be very important for utility crypto.
And we're doing everything we can to understand which projects have the technology, fundamentals, and competitive strength to become part of the next financial system.
LOCKED IN!
disciple13.eth retweeted
$BTC: Strong Spot buying happening right now as we speak, everyone I know who is in the market since the last 10 years is now active in building longs or buying spot. Everyone knows the next leg up is close.
disciple13.eth retweeted
$BTC: I’m now long with $36M USD
I continue to accumulate longs at the box, now is another great opportunity to add more! Bringing my average long entry to $80,400 and a position size of $36M USD
disciple13.eth retweeted
Altcoin Market:
Alts are down 10% since I exited them at 86k (BTC). The comments been very agressive towards my personal decision. Now it makes sense, right?
Now the CROWD is very bearish, well, turns out its right at Support and where I am planning to build longs on some Alts
This is why I decided to exit Altcoins:
Altcoin spot volume is now 4× bigger than the volume on Bitcoin, and the market has become heavily overleveraged. This is exactly why I took profits. ONDO sold with 73% profit, and I’m out of HBAR with a smaller profit and XRP, waiting for a better entry. I’m not interested in buying altcoins in these conditions. The market is too hot, and I expect a correction. That’s why I’m short BTC from $86,200, with additional short orders between $86,500–$89,500
My BTC and Galactic Three positions ETH, CRCL and COIN remain untouched. I’m following the long-term plan laid out in my Galactic Three Report. When BTC was at $60,000, I called for $88,000. After that rally, I outlined a correction toward $79,000, and that remains my next target. I’m positioning for that correction! And altcoins are always a great distraction and liquidity grab. This is why I’m out of Alts!
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