MRB10 said:

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Edit: I'm most curious to see what happens around $72-75k. I'm going to be so overweight Bitcoin it's stupid if we get back into the 30s or lower.

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Ive already decided I'm going in on crypto long term with the money Ive allocated for it. So Im really only measuring success long term.


I'm measuring that by not being in a situation where BTC takes off and I'm sitting on far too little. If I can achieve that I figure I give myself a grade of a B, like an 80 on the BTC test

If I can sell some high and buy back lower thats where I can make an A on the BTC test. I tried buying a bunch late, around 105K, hoping we'd go up to 150K to 250K but it didn't happen and I sold half for a tiny profit and bought some back, along with BMNR.

If we get back to the 70K range or lower and add some I'll give myself a A for this BTC cycle



If it just drops off the cliff and goes to zero or whatever that will be like a baseball game that got rained out

What's the board's shirt-term/ long-term though on XRP?

I think it's a scam.

Do you really? Explain

How is it not? Ripple has 40 billion tokens. 40% of the etire supply. They dump int the market whenever they want cash. It's not a securities etc were they have rules when or how much they can sell. They just market dump whenever.

And what's the utility? No one uses the chain. The entire premises was XRP would be used by banks as intrabank dollars. But since the inception of XRP stable coins have been invented. So there's literally no need for XRP. And so now they made ripples version of stable coin. But why would a bank or anyone use that vs anything on the market. And realistically they don't. It's like cardano. Alot of hype and twitter stuff. But no one is actually using the blockchains. It's essentially vaporware.

Market makers do a good job pumping XRP short terms. So it's likely tradable but I wouldn't hold it. It's drive by a cult following.

Yukon Cornelius said:

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How is it not? Ripple has 40 billion tokens. 40% of the etire supply. They dump int the market whenever they want cash. It's not a securities etc were they have rules when or how much they can sell. They just market dump whenever.

And what's the utility? No one uses the chain. The entire premises was XRP would be used by banks as intrabank dollars. But since the inception of XRP stable coins have been invented. So there's literally no need for XRP. And so now they made ripples version of stable coin. But why would a bank or anyone use that vs anything on the market. And realistically they don't. It's like cardano. Alot of hype and twitter stuff. But no one is actually using the blockchains. It's essentially vaporware.

Market makers do a good job pumping XRP short terms. So it's likely tradable but I wouldn't hold it. It's drive by a cult following.

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Brand new to this, and if I sound uneducated, it is because I am.

I own a tiny amount of XRP and IBIT. Mostly at the urging of my friend who has been investing in the space for years now.

IF one believes in the premise that blockchain technology is useful and will be adopted widely, but doesn't necessarily believe in the entire BTC story (or individual coins, for that matter), where is the better play in which to invest? I will definitely admit that I have FOMO about this entire space. I also have a difficult time answering the question as to "what, exactly, is the problem that BTC solves for in the financial community that has no other solution?".

bradtheag said:

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What's the board's shirt-term/ long-term though on XRP?

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I would be interested in the same question but asking what anyone owns outside of ETH and BTC.


I'm 97% ETH and BTC, 1% HBAR and 2% SOL and I'm mostly just taking a flyer on the last 2

Honestly it might be just buying JPMorgan and blackrock. Their adoption of blockchains should increase revenue and lower costs. Their stocks should appreciate.

My general thesis for picking which particular cryptos is what is actually being adopted. Not hyped but actually used. The top three IMO is eth, sol, and canton.

I recently added canton into my holdings.

Are you not invested in BTC?

Yes. BTC is the majority of my crypto position. But I didn't include it because I was answering the question of upside exposure via blockchain adoption.

No one is using bitcoin in any meaningful manner sadly.

Yukon Cornelius said:

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Yes. BTC is the majority of my crypto position. But I didn't include it because I was answering the question of upside exposure via blockchain adoption.

No one is using bitcoin in any meaningful manner sadly.

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Other than digital gold, store of value i dont see how BTC would ever have any real use case. I understand people were thinking as payment but its too volatile. Nobody uses gold that way either so I dont see it as a negative

Agreed. Early btc influencers railed against anyone in the space advocating for utility later or used coded into the network. And so sadly ethereum was essentially created out of the vaccum of space left by btc network unwillingness to adapt. It's why I believe no coiners and btc maxis are essentially the same. Both believe their systems of value are irreplaceable. The no coiners have been proven wrong. The maxis next. BTC is not the first cryptocurrency either.

So you think BTC eventually loaes its store of value use case too?

We discussed this a few pages ago but people who believe in bitcoin don't use it because they aren't incentivized to. Fiat is still widely accepted, and is constantly losing value, so why would someone use the scarce option that's going up and to the right(zoom out) in value?

BTC is indisputably a better money, and the utility switch could be flipped on tomorrow if needed, so people current choose to save in it rather than use it.

Hard to say. I have some I won't sell for twenty years.

Does anyone like XRP?

Yes, it's true. In Germany, capital gains on Bitcoin (and other crypto) held for over one year are tax-free for private individuals, per the Income Tax Act. Short-term gains may be taxed up to 45% + solidarity surcharge if over €600. Confirm with a tax advisor for your…

— Grok (@grok) January 26, 2026

When I think of crypto, and these were my initial thoughts on the subject in 2009, would I be able to operate and transact outside of a slowly decaying Federal Reserve banking system on a daily basis. For a long time, bitcoin was a very attractive alternative, but it was still new...then.

Today, I would say all roads seem to be converging into a choice between stable coin or CBDC. Neither of those options fits my idea of operating outside of a broken system. They are nothing but control and surveillance of the masses...stable coins being more dangerous than CBDC due to their proximity to congress and some very weak laws.

I'm not sure where that leaves bitcoin. When big hedge funds and ETFs began adopting BTC, I saw an asset class lose it's luster to what I believe a manipulated paper market...as much as precious metals. Rather than jump into crypto with both feet, I decided I would go with precious metals because tracking transactions will be more difficult without obvious oppression.

AgDFW25 said:

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Does anyone like XRP?

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Which type of crypto does XRP support? stable coin or CBDC?

CBDCs are far more dangerous than stable coins. Both are programmable. But stable coins offer different issues if you don't like the programs. CBDC offers no alternative if they program some draconian stuff.

Yukon Cornelius said:

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CBDCs are far more dangerous than stable coins. Both are programmable. But stable coins offer different issues if you don't like the programs. CBDC offers no alternative if they program some draconian stuff.

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I'm often curious of people's philosophy when it comes to investing in certain assets; among a host of other things. Some see a trend and say, "Why fight it...just embrace it...without looking at unintended consequences...solve problems as they arise". I find this particular philosophy to be a little too reactionary or knee-jerky. Some over think every angle and become bogged down in making a decision...paralysis by analysis. I'm somewhere in between, but lean more heavily towards paralysis by analysis. The more data I receive the easier the decision becomes.

The facts are that we are experiencing a currency reset. I think the rails are in place to try both CBDC and stable coin. I believe there will be a clear winner and loser. My contention with both are surveillance. I'm a combat vet who still loves this place...warts and all. Bleeding for this country, I take any loss of freedom and liberty very personal. A government or financial system which surveils it's citizens via monetary transactions and can turn their money on and off, for whatever reason, is tyranny. Yes, that can be done now with paper fiat, but not with the same speed or efficiency of a stable coin or CBDC. In my eyes, both are dangerous. The merits of which is least dangerous or most prone to limit citizen's liberties and freedom are top of mind.

I share your sentiment. However stable coins are a specific technology. CBDC is a draconian manifestation of stable coins technology.

Kind of like the federal reserve note. We used to have bank notes. Different Banks printed their own notes backed by gold. Now we have a single bank that prints a single note.

Stable coins are like the printing press for bank notes. Now we have a multitude of stable coin issuers. Which is being backed by Tbills. Hopefully we don't lose tha diversity into a single issuer IE the Fed again.

Stable coin issuance is by definition freedom.

Yukon Cornelius said:

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I share your sentiment. However stable coins are a specific technology. CBDC is a draconian manifestation of stable coins technology.

Kind of like the federal reserve note. We used to have bank notes. Different Banks printed their own notes backed by gold. Now we have a single bank that prints a single note.

Stable coins are like the printing press for bank notes. Now we have a multitude of stable coin issuers. Which is being backed by Tbills. Hopefully we don't lose tha diversity into a single issuer IE the Fed again.

Stable coin issuance is by definition freedom.

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I follow the analogies. Appreciate the breakdown.

My hope is we get to a point where stable coins are backed by some percent of real gold and silver. I know it probably sounds crazy to happen. But tether is stock piling gold. In the competitive market place between stable coin issuers I can see tether coming out and saying 20% is backed by gold. Thats attractive over say USDC which is 100% backed by Tbills. So im hoping the free market place is incentivized to back stable coins with gold.

But you're right in your earlier point about we are going through a currency reset.

Hype going to decorrelate faster than expected.

🚨 INSIGHT: THIS IS WHY BANKS ARE PANICKING ABOUT STABLECOINS

New data shows how exposed U.S. banks really are.

For most banks, net interest margin (NIM) makes up 50% to 70% of total revenue. That’s the spread they earn by paying you almost nothing... and lending your money… https://t.co/jFl0zsl8B3 pic.twitter.com/CRZxbmwDPS

— CryptosRus (@CryptosR_Us) January 28, 2026

🚨JUST IN: CRYPTO BILL MEETING TO TAKE PLACE ON MONDAY

As per Reuters, the White House will gather banking and crypto executives on Monday to discuss the stalled senate crypto bill. pic.twitter.com/vq5351eDH4

— Coin Bureau (@coinbureau) January 28, 2026

Yukon Cornelius said:

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How is it not? Ripple has 40 billion tokens. 40% of the etire supply. They dump int the market whenever they want cash. It's not a securities etc were they have rules when or how much they can sell. They just market dump whenever.

And what's the utility? No one uses the chain. The entire premises was XRP would be used by banks as intrabank dollars. But since the inception of XRP stable coins have been invented. So there's literally no need for XRP. And so now they made ripples version of stable coin. But why would a bank or anyone use that vs anything on the market. And realistically they don't. It's like cardano. Alot of hype and twitter stuff. But no one is actually using the blockchains. It's essentially vaporware.

Market makers do a good job pumping XRP short terms. So it's likely tradable but I wouldn't hold it. It's drive by a cult following.

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I think you're missing a big picture on xrp.

I know I'm just sharing a chart but when you take a look at taking over the world payment systems there's only one that could do it.

Xrp has been the most criticized and challenged through the SEC w its lawsuit against ripple/xrp that ripple/xrp in fact did win.. and guys like even the SEC chairman Gary ginsler had done all they could to defuse it from taking over. Now there are clarity act and other policies in place that are moving the needle.

Of course I did not cover everything. I just think XRP makes the most sense when taking over the world payment systems due to speed efficiency and time. It's a win win for us all.

I'll concede there's a non zero chance XRP blockchain is adopted. But if I were you I'd be asking why is not being used now?
https://defillama.com/stablecoins/chains

And adoption is one part of the conversation. Like I said ripple las has 40% of the supply they dump on retail.

Hearing talk about a massive ETH whale getting destroyed today. Him and his followers apparently sold at the lows on Monday and then bought back Tuesday. Apparently unwinded all of their gains from the last couple of years and are now underwater on current positions. Apparently getting drummed on SOL too.

what made XRP attractive to me, at least on how I understand it, is its ability to process transactions quickly and efficiently. and i would think that has a lot of value

RIP. Can't say I've never done that before lol

That's not unique. And from a historical standpoint the premier technology does not often times always win. Adoption is key, market share, etc. Ethereum network had a massive upgrade in December.

My entire thesis is not betting on which chain gets picked. I just by into the chains already picked. There's enough upside still to be extremely profitable. So far ethereum is by and far leading adoption.

i see, thats a good general rule to have. appreciate the explanation