The XRP Problem No One is Talking About...

[@PromoAmbitions]

If you've been following the project and have a deep understanding of it, please do chime in and let me know if I am bringing up a valid point or if there is a simple and obvious rebuttal to it. At the time of filming this video, I hold over 10,500 XRP, I am planning to hold during this bull run, but I want to understand the viability of the long term vision if I am going to be holding it for the long run...

[@usherlubin7416]

Bro xrp will be able to compete with swift only 0.00001 XRP gets burned thats not even a penny

[@rebeca121000]

Excellent!!!! And we have the opportunity to be part of it.

[@markbuergel2308]

This is why it was designed to scale at 10k.

[@markbuergel2308]

Their not just going after payments. They're going after derivatives.

[@markbuergel2308]

Derivatives are valued at 500-700 trillion.

[@ashric]

You’ve raised some important concerns about XRP’s scalability and its ability to meet the demands of global financial transactions. However, some of your assumptions seem to stem from misconceptions and an incomplete understanding of how XRP and the XRP Ledger function. While it seems you’re missing some fundamental concepts about how liquidity markets work, I’ll address a few points to help clarify. First, the concern about XRP’s supply being insufficient for large-scale transactions overlooks how liquidity functions in financial markets. XRP doesn’t need to exist in massive quantities to handle trillions of dollars in daily transactions. Liquidity pools and market makers ensure XRP can be recycled dynamically during transactions. Additionally, the price of XRP would naturally adjust as demand increases, reducing the number of tokens required for each transaction. For instance, if XRP’s price rises due to increased utility, fewer tokens would be needed to settle the same value-something you already touched on in your example. This self-balancing mechanism is a fundamental feature of financial markets and prevents the system from being constrained by supply. Your point about financial institutions not needing to hold XRP long-term and questioning why this would drive up the price misses the broader economic picture. While banks themselves may not retain XRP after transactions, other participants-such as liquidity providers, exchanges, and corporations-do, creating sustained demand. This demand is not purely speculative; it’s tied directly to XRP’s role in reducing costs and friction in cross-border payments. Moreover, as adoption grows, XRP’s use as a bridge asset will extend beyond banks, encompassing other financial players, further increasing its overall demand. The issue of price volatility affecting the system is a valid concern but one that XRP is well-suited to handle. Transactions on the XRP Ledger settle in just 3-5 seconds, minimizing exposure to price fluctuations. Over time, as more use cases are implemented and XRP’s utility expands, its price will stabilize naturally. This shift from speculative to utility-driven demand is a progression seen in other markets as well. Additionally, tools like real-time hedging and dynamic liquidity pools mitigate volatility risks effectively, similar to mechanisms in traditional forex markets. Regarding XRP’s supply, your analysis of the burn mechanism and lost tokens is accurate, but the overall impact is overstated. The burn rate is minimal, designed to be sustainable for decades. Ripple’s escrow system ensures a controlled and predictable release of XRP into the market, matching supply with increasing demand. These measures are specifically designed to prevent the kind of supply shortages you’re concerned about, even with large-scale adoption. The introduction of Ripple’s stablecoins, like RLUSD, doesn’t undermine XRP’s role but rather complements it. These stablecoins bridge the gap between fiat and crypto, making it easier for institutions to onboard into the ecosystem, while XRP remains central as the bridge currency for liquidity. Instead of competing with XRP, these tools enhance the overall utility of the XRP Ledger, attracting more participants and liquidity. Your question about XRP’s ability to scale globally is valid but may underestimate the efficiency of the system. The XRP Ledger processes up to 1,500 transactions per second, significantly more than many blockchains. SWIFT’s $5 trillion daily volume isn’t settled all at once but in batches over extended periods, so XRP’s scalability concerns are less daunting when viewed in this context. XRP’s goal is not to replace SWIFT entirely but to address inefficiencies in specific areas. Even capturing a fraction of SWIFT’s volume would create significant demand without overwhelming the network. Finally, concerns about forking the XRP Ledger or replacing XRP with other solutions overlook the critical role of Ripple’s partnerships and network effects. The true value of the XRP Ledger lies not just in its technology but in the trust and integration Ripple has built with financial institutions and regulators. A forked version of the network wouldn’t replicate these partnerships, which are essential for adoption. Competing solutions would face significant barriers in building similar levels of trust and institutional support. While your concerns reflect common questions raised by those exploring XRP’s potential, its design addresses many of these challenges. XRP’s scalability, dynamic pricing, and liquidity mechanisms make it well-suited for its role as a bridge currency. Adoption will be a gradual process, but XRP’s success lies in complementing existing financial systems rather than replacing them entirely. The questions you’re asking are valid, and understanding XRP’s role within the broader financial ecosystem will help clarify how its utility-driven demand evolves over time.

[@Peace4globe851]

Best response yet Thank you for taking the time to respond

[@TradeRoboticscom]

Who is this masked stranger who has such insight? 😂 Excellent, thanks for sharing

[@NoThankYouToo]

Excellent. Thank you.

[@charliespeights8524]

Great Response !!

[@shannowen]

Someone who understands how it all works...Great explanation

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[@SallyW414]

Thanks for the lead

[@jasonschneider5293]

Market cap doesn’t matter for $XRP because its value is driven by real-world use, not retail speculation. $XRP isn’t just a token; it’s part of a network designed for cross-border payments and financial institutions. The market cap reflects retail sentiment, but the real growth comes from utility, adoption by major banks, and real-world applications. As the network expands, the price will reflect its true value, not the arbitrary number from market cap.

[@vikingcat794]

market cap doesn't matter with a commodity.

[@kingchristopherpaul477hutc8]

@@vikingcat794 uhhhhh, it does rn.

[@donj9599]

Ding, Ding, Ding.

[@TheCasper1906]

​@@vikingcat794essentially that's what we're talking about here...a digital commodity

[@Name-ps5wt]

@@jasonschneider5293 if market cap matters, who says the market cap couldn’t be $50T. All of this is uncharted waters. It might go to $500T. Who knows. If we really knew where this was going, nobody would’ve sold their BTC at $100.

[@dominikberner2759]

The Ledger is their Network and XRP is their native token with 5 digits. It was designed to, not only used for global payments, but tokinisation of RL assets (like Gold). It would be possible to scale it up. RLUSD will be used as stablecoin for payments. Imagine the XRPL is a global network like the Internet. The RLUSD is one example for something you could send and XRP is like a data-unit like kilobyte, megabyte, gigabyte. You need to scale it up massive! BUT it is already designed to handle it. Everything will take time ... 5% of SWIFT would lead to 100 USD per XRP , so if EVERY bank would use the XRPL, you would have a 2000 USD per XRP. 35 trillion is the amount of SWIFT and 620 trillion is the amount of RL assets. This would lead to 35500 USD per XRP. They could scale it up to 99.999 USD so in theory there is no math problem.

[@r.k.867]

The Banks and Financial Institutions do not use the XRP Ledger they use the ILP Ledger. The price of XRP will become "substantial" with mass adoption of Xrapid used by the Banks and Financial Institutions. Xrapid requires the use of XRP as the bridge asset and on demand Liquidity to complete a cross border payment settlement quickly and at a low cost.

[@bwade5350]

Don't forget swift moves a quadrillion annually , xrp has contracts with the dtcc which moves 3 quadrillion annually .. swift and bank use is a small component of it

[@OverkilledUnderdog]

AND THAT is the reason XRP will not be at $2.50 when it's mainstream. It will be over $10,000 per XRP. IT WILL HAPPEN.

[@daveschramficoexpert1702]

What is yr evidence re "per XRP" (Ripple)?

[@henrypastor8691]

I believe it when I feel it 😅😅😅

[@jameslacey5341]

Dave, please argue against me: Even though XRP transaction fees are as low as 0.00001 XRP per transaction, the rise in XRP's price is not solely speculative. Its value is also tied to the essential services that can be facilitated on the ledger, such as real estate deals or insurance transactions. For instance, sending $1 billion to Mexico using XRP can significantly reduce or even eliminate the need for intermediaries that convert dollars to pesos, which would otherwise incur additional costs.

[@ISeeDeadGamers]

5$

[@BlasterTheMaster]

Where does the demand come from if banks don’t hold it, and it’s bought and sold within a few seconds? Hasn’t ripple said in the past that ODL doesn’t increase XRP price?

[@888WulfDog888]

Xrp was never intended for the retail market. It's target price is 10k per unit. 1 xrp is divisible by 1 million drops which means there are 1 quadrillion units available on the xrp rails. If you dont even understand the basics of crypto, you probably shouldn't be investing in it. Market cap doesht mean crap to a commodity, its just a theoretical number. Commodity markets are driven by the law of supply and demand.

[@bbm8723]

Excellent explanation thanks 🙏

[@chr1s00]

Exactly Market cap doesn’t mean fuck all Everyone saying market cap has to be 4000X the price it is currently to be worth 10-20000 per xrp Pfft Means nothing

[@maxstryK3R]

yes, 10K is the minimum value as per calculation.

[@v3teran75]

Lots of new people in this space now they don’t have a clue

[@truthimagination2997]

T-H-A-N-K YOU! Sheesh! PEOPLE, My God! It's astonishing how people can not fathom what something is bcuz of illiteracy and failure to actually LISTEN. People can't get out of their own way.

[@garyelse7646]

How did you manage to do your own price predictions if you don't know or understand how the system works? While your questions are understandable, with some research you can learn the answer to your own question. DYOR is the only way you can understand it. But let me say, at present the XRP price is volatile because it is largely determined by speculative trading. Once utility use is in play, the price will not only be much higher, it will be far more stable, with price increasing gradually to meet demand. One thing we might expect, but don't know, a floor price may be set. Greater volume brings greater stability. Oh, one more thing; Market Cap is irrelevent; these are not stocks/shares. Liquidity is key.

[@tracynunez1738]

This is not like the stock market. If you are questioning, you really need to start researching what xrp is. Anyone can just tell you but until you see me learn, you will never know nor will you trust what anyone says. Research for yourself and stop distrusting what others have already researched.

[@Peace4globe851]

A floor price ? Then how can one sell his XRP and who will the buyer be ? He raises great questions and your response doesn’t really answer his question

[@brandonsander803]

@@Peace4globe851it doesn’t answer his questions at all and what about the 43 billion XRP that ripple is holding out of circulation?

[@wkinne1]

This is why XRP will jump to $10,000 and higher, it will meet what ever is needed.

[@myhandsads5914]

I was thinking the same thing. He basically just illustrated why XRP has to have a high price.

[@jefflawson8375]

@@myhandsads5914 but what happens when that price is not stable?

[@wkinne1]

@@myhandsads5914 There's a lot of people want us to sell

[@GrumpySARGE7198]

That is what needs to happen for it to be successful, but not guaranteed it will. However, I am praying it does go that high!

[@cornstar1253]

Which would require a market cap of more than the global money supply

[@nealremy6635]

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[@sherwinpaul1519]

At 2:35 you said the bank does not need to hold XRP AFTER the transaction. This is incorrect as per my understanding. If the bank doesn’t hold the 10 billion dollars worth of XRP received, how would they be good for 10 billion dollars worth of Pesos?! And this would hold good for every transaction the banks do. Only if you have XRP in your bank can u then convert it back to your currency and issue it to the customer. So basically, the amount of XRP the bank holds is its actual liquidity. Pls correct me if I’m incorrect. 😊

[@jblaze4694]

XRP ripple would use the cash as a holding against those coins on both ends.

[@buckeyefan4216]

If 1 XRP cost 1 US Dollar 1 billion XRP is needed. If 1 XRP cost 10 US Dollar 100 million XRP is needed. If 1 XRP cost 100 US Dollar 10 million XRP is needed. If 1 XRP cost 1,000 US Dollars 1 million XRP is needed. If 1 XRP cost 10,000 US Dollars 100,000 XRP is needed This means the higher price of XRP the more efficient the system becomes as less XRP required for large money transfers 😉

[@rage7323]

Strange. I thought RLUSD = 1US, and XRP is used as the FUEL to send the payment. Ex. Bank A in USA sends 10M to Bank B in Italy. They use RLUSD, because 1 RLUSD is backed by 1 USD. The transaction costs , X amount of xrp. It's just a utility coin for the stable coin.

[@ManiacalManiac]

Exactly. And they need to move trillions. Let's not forget XRP is a currency and currencies also have value due to its velocity. I wouldn't be surprised if it's winds up being worth more than 10k

[@Falcon2609]

​@@ManiacalManiacFacts

[@ManiacalManiac]

​@@rage7323it's a currency with utility meaning it transfers value across many other currencies without the friction of the current system

[@vikingcat794]

@@ManiacalManiac it's a commodity.

[@12breian]

Bruh... All your questions have beend answered by the CTO David Schwartz, the CEO Brad Garlinghouse, the President Monica Long, former and current Ripple developers, etc... Why ask questions to these peons on chat, when the information are available from the Original Source itself??? If you're heavily invested in XRP like me, then attend to or get all the information from the original source. Not from random people online. Its like asking your mechanic for medical advice instead of a doctor.

[@LetsFixITJoe]

Bruuu you dont know how to get community involved and to push the algorythm here? ... the questions he asked has NOT been anwered - Brad is talking in cryptic language - n o clear statements... otherwise the would not be any opn question . alone the fact that he ignores the retail XPR community and never sends a clear message say a lot about him. to me he has no charisma my friend....a lot of people are falling for that..

[@ypahub01]

Zug Zug...

[@investormogulllc.9766]

I think we've been lied to... I don't think XRP will be used at all because in to use the Ripple Ledger, you don't have to involve XRP. This is because Ripple released its own stablecoin RLUSD. XRP is volatile and vulnerable to slippage making it a poor choice for transactions especially compared to stablecoins. I'm beginning to think they will use RLUSD and not XRP. My concern is that XRP will be useless and therefore valueless. I hold 20,000 XRP hoping it would go to just $100 and am now worried that we helped Ripple build their project by purchasing XRP and that we are about to be left in the dust with the worthless coin. THOUGHTS?

[@rystrm]

your reply couldn’t be more useless

[@Soulrollsdeep]

How much you into xrp for, out of interest? I'm trying to figure out if I've got a bag of doom or am I very average

[@ADMETC83]

I’m starting to think nobody knows shit about XRP and its future, including myself…I guess we are about to find out

[@ztotheu2974]

No just you bro

[@JHuff1053]

It's all a game! The only ones to benefit are the ones over it.

[@LeRoyHuff-e6m]

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Not true…just sacrifice a chicken and make a wish and it will happen.

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[@Johnnyrh90]

Its the same way bitcoin cost over $100,000 and the scary part is that it has no real value to back it up

[@1fdom]

The dollar has as little real value as bitcoin.

[@starseeddeluxe]

I find it strange when people are promoting Bitcoin. I understand that you should buy it. But telling others to buy it, is absolutely crazy. Bitcoin has no creator. Why has President Trump talked about Bitcoin publicly?

[@masterslarry1244]

My friend, the value of any asset is confidence. That's why it took several years for Bitcoin to get off the ground. Finally, the critical mass of investors said hey, if it were tulips, I could just buy a plot of land and grow my own. But I can't make my own Bitcoin. The only way to own it is to buy it --and I must buy it at market price due to demand. XRP has an added feature is a tool that works. There is a worldwide demand for this tool.

[@hank9663]

You answered your own question. Price will be higher. Plus XRP is divisible with drops. In the future you will be buying drops of XRP, not whole XRP.

[@CryptedDaily]

You have some great questions. I always love exploring diverse insights of interpretations. Because in order to understand the unknown we must first ask questions. Great question! Ok... Understand that there are a million drops in one XRP that make it possible to do multiple transactions in a duration within a limited time period. I believe it is within a 24 hr period. The drops are set to be sure that multiple XRP are NOT being burned in a single day. This is viable for Banks doing several transactions. Equally the drops allow the XRP ledger to last for a lengthy period of time to enable 100 years of transactions on the new financial system coming. Hope this helps...

[@GentooGuy]

True statement

[@hank9663]

@@CryptedDaily could be much longer depending on price of drops.

[@sonnye9846]

​@@CryptedDaily 🤙. Thanks

[@vinnyd.313]

​@@CryptedDaily I understand the price must be higher to work, but his point was that the banks don't need to HOLD XRP, the just have to buy and send, not holding XRP. So how can the price of XRP increase if banks don't need to hold?😢

[@Newsphere101]

It is a fractional currency. One XRP could be valued at 1 billion dollars It seems you are pegging it one to the dollar. It is not a stable coin. You are incorrect in your assumptions by many magnitudes. I think it has the ability to topple Swift and the utility to become indispensable to the financial market place.

[@memycellsandi]

Lmao and you think they'll allow all the HODLers to suddenly cash out billions and trillions and cause an absolute chaos?

[@888WulfDog888]

Yep. People never think properly in this game. 1 xrp is divisible by 1 million drops. Which means there are 1 quadrillion units available to the xrp rails.

[@clodhoppin2645]

@@memycellsandi Not even mentioning the fact that the volatility of the price would be insane, and banks would not want that potential of unrealized loss on their balance sheets. The end game that has been theory crafted and regurgitated does not make any sense to me in a practical application scenario. It would be the next BTC in volatility terms, and that's exactly the opposite of what banks would want for bank to bank transfers

[@888WulfDog888]

​@@clodhoppin2645volatility doubt mean anything when the resolution rate is 2 seconds Btc is a shitty speculative asset that has no real world case use other than stashing wealth and hoping it goes up.

[@charlespatrick702]

@@888WulfDog888 Why isnt XRP acting as that now? what changes that would make it fractional ? Just more people buying it?

[@RodneyChalmers-jb8zn]

If you believe that the banks are going to be the dominant user of XRP for the cross border transfers then the banks themselves will drive the price (likely agreed upon) that will allow for them to easily grab the number of tokens they need for daily operation. The banks don’t care how high the cost of an XRP is, they are using the clients money for the purchase and transfer. So they are using a billion dollars of clients money to purchase the XRP for the transfer. Banks would have to agree on the price they will pay for it (say $2000 per coin) so they only need to get 500000 tokens for the transfer. Also realize those XRP would likely be being traded back and forth between the banks making it easy for them to agree on price based on their access to supply. I have been following XRP since 2017 and it all comes down to if you believe in the utility of the crossboarder payment solution.

[@yourmexicanbuddy7344]

Do you believe in it?

[@cornstar1253]

Too complicated

[@mikeha]

this will all be automated within the bank's systems. the person inputting the transaction won't know what goes on under the hood

[@r.k.867]

The banks don't use "XRP" for the transfer, they use the payment settlement software "xRapid" which in-turn requires the use of "XRP" as the bridge asset and Liquidity to complete the transfer quickly at a low cost. XRP will only become substantial in value if mass use of "xRapid" is adopted.

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[@Slapppymcdickerson]

The theory is that utility will drive the price and not market cap so it will no longer be in a spec market so it should hold a high stable value.. you also got to put in place that tokenized assets will be on the xrp ledger also driving value and when it comes to rlusd xrp will be used along side rlusd to implement the fast transactions it’s all tied together. I think that you will find that xrp will be stable and won’t have to worry about the crypto winter in the future because all the tokenized assets and the massive liquidity pools will stabilize the token

[@Falcon2609]

Facts

[@rawar2377]

I really don't understand, you answered your own question multiple times but then you just jump over it and keep rambling. Xrp, just has to be more expensive. This is a real life utility. Unlike Bitcoin and other things. The price will be based on use. And what will make it easier for the banking systems. The problem with your thinking is, you see it as bitcoin.

[@clodhoppin2645]

and how would price be stabilized and volatility accounted for? If I were a bank doing multi billion dollar international transactions, there's no way in hell I would want to risk the potential unrealized loss risk of billions of dollars. At $10000 a coin, a million coin hit on the bid stack could drop the price insane amounts - it'd have BTC levels of volatility.

[@rawar2377]

@clodhoppin2645 1. The transactions are completed so fast that it wouldn't matter. 2. If this and a few others become institutionalized, you could just fix the price. Xrp at 25000 xlm and hbar at 10000 3. We can just have the price that needs to be encoded into the transaction. I really don't understand why people find this so hard.I mean, banks are already signing up, central banks from around the road are already involved.The only thing now is when it goes live in four months. There are already countries on the xrp ledger.

[@clodhoppin2645]

So basically a hopes and dreams strategy? You didn't address any of the real concerns I highlighted, you are just hoping that it automatically happens. Speed of transaction has nothing to do with the liquidity required, which means it can be just as volatile down as it is going up, which makes it fail in it's application of cross-border payments - you need stable price. Why would the central banks of any BRICS nation come onboard a U.S. controlled semi-centralized system? "IF" it becomes institutionalized... so the whole play is a gamble on 1) hoping that there isn't dilution of the liquidity that would funnel to XRP through other projects 2) hoping that widespread adoption takes place and the last and least considered aspect of 3) believing that power yields voluntarily. You think big firms want to spend billions to use a system that may or may not come to fruition? So many more things have to come into place for any of this pipe dream to occur.

[@kirilvaltchev4560]

This is a misleading premise, XRP's price does not have to be more expensive for the system to function effectively. It's utility in cross-border payments lies in it's speed, low fees, and liquidity, not in a high token price. The divisibility itself ensures that even at low prices, it can support large transaction volumes without issues. The need for "higher price" would only come up if global liquidity demands outpaces the supply of XRP, which has been nowhere near the case lol. So many people just focus on price

[@rawar2377]

@@kirilvaltchev4560 I agree. The only problem it is a finite commodity. After iso is lunched it will not work at it's price. It will need to be more expensive so less coins are used. The biggest problem as an ivester is there are 5 coins that could work. Which ones will be adopted. Maybe all of them.

[@jerrysstories711]

You’ve asked intelligent questions, and I appreciate your “please tell me how I’m wrong” style of skepticism. I won’t pretend to be an expert either, but I’ll point out two relevant points to address the concerns you've raised. 1) Annual global trade in USD already far exceeds the number of USD that exist. That won’t be a problem for XRP for the same reason it isn’t a problem for USD. If you compare “dollars per year” to “dollars” of course the numbers won’t line up, because you’re comparing unlike things. It's like asking, "How can you drive 60 miles per hour on a road that's less than 60 miles long?" 2) SWIFT is slow and expensive, Ripple is fast and cheap. So trade volumes that SWIFT handles in huge, slow, delayed, expensive gulps, Ripple will handle in thousands of small, fast, cheap gulps. Yes, that will create some delays for huge transactions, but not showstoppers and certainly nothing like the costs and delays on SWIFT. Given that difference in how the networks operate, we should expect the ratio of (XRPs exchanged per year) / (XRP circulating) to be much greater than the analogous ratio for USD. If you can tell me how that analysis is wrong, please put in in a video, because I'm Subscribing!

[@jameslacey5341]

To calculate the transaction cost of sending money from the US to Mexico using the XRP network, let’s assume the following: --- Assumptions: 1. Amount to be sent: $1 billion USD. 2. Exchange rate (XRP to USD): $100 per XRP. 3. XRP network fee per transaction: 0.00001 XRP. 4. Number of transactions required: 1 single transaction is sufficient, regardless of the amount transferred. 5. No additional bank fees or conversion charges for this example. --- Calculation of Transaction Cost: Network fee: The XRP fee is always 0.00001 XRP per transaction, regardless of the amount. Cost in USD: With 1 XRP = $100, the transaction fee is: 0.00001 \, \text{XRP} \times 100 \, \text{USD/XRP} = 0.001 \, \text{USD}. --- Conclusion: The cost to send $1 billion USD from the US to Mexico using the XRP network is only 0.1 cents ($0.001) in transaction fees.

[@petermorris9284]

So the reality is that XRP used as a mechanism is very cheap for the financial transfer by institutions that don’t have to actually hold XRP. Any price increase will come from retail speculation based upon news of adoption and misunderstanding of potential future use. Retail buyers thinking of a rich future, well this is the same as bitcoin but with some perceived value of use. Think we should just ride the wave.

[@jameslacey5341]

Even though XRP transaction fees are as low as 0.00001 XRP per transaction, the rise in XRP's price is not solely speculative. Its value is also tied to the essential services that can be facilitated on the ledger, such as real estate deals or insurance transactions. For instance, sending $1 billion to Mexico using XRP can significantly reduce or even eliminate the need for intermediaries that convert dollars to pesos, which would otherwise incur additional costs.

[@rael7096]

Please read the white paper.

[@ringydingydo]

Link please! That would be awesome to read.

[@mwilliams4371]

@@ringydingydo CoinMarketCap

[@benjaminphilips]

@@ringydingydo have you herd of google search?

[@maxsadler7231]

What an evasive and empty comment. The white paper does not address his concerns, it is solely a technical document that details how the XRP Ledger consensus protocol works. He is not concerned with the correctness of the protocol, but rather the value of the XRP currency. The white paper has nothing to do with the currency, in fact it makes that very clear. "We will not discuss the transactional semantics of XRP’s ledger or XRP’s benefits as a digital currency, but instead view the algorithm as a general consensus protocol"

[@ChaadFairservice20022]

Can we discuss how ryppl3 has subsidiaries in places like chyna, singapour, russia and was called a money service business and digital money by fincen and the treasury? How they created the digital yuan and rouble already?

[@NoahMuhammad-w9i]

I'm thinking of getting into investing but feel a bit lost and confused. Any friendly advice or contacts you recommend for guidance?

[@MinnieSarah-z1i]

It's a wise idea to seek expert advice when you're setting up an investment portfolio because it can be a bit complicated.

[@ClaraJames-n7q]

Getting advice & guidance from financial experts like Alana Ringberg to adjust your investment is a wise move.

[@MykeShaw]

Wow. You know her too? I lost a lot of money as a beginner until I saw Mrs Alana Ringberg on CNBC. She's been managing my portfolio with good returns and I appreciate her sincerity and genuine services

[@DavidPaul-h6i]

So you guys also familiar with her? Whoa! She is amazing and the reason my spouse and I possess our own home and car

[@EzraLeo-f9n]

Wow Alana has been managing my investment. All I do is sit at home and make withdrawals every week without any knowledge of trading. She does everything by herself

[@5150-well]

It doesn't matter what Ripple creates now or in the future. The foundation is xrp and it is the standard. It it will be recognised as the "Gold" that btc pretends / claims to be.

[@krakenstorage]

it will never be anything like BTC, BTC will always be king

[@lavellmcclougha2959]

I love the grounded reality of this channel!!! Retirement took a toll on my finances, but with my involvement in the digital market, $47,000 weekly returns has been life changing

[@franky477]

All We need is the right advice on how to invest in crypto we will be set for life

[@michealjames6012]

Most people don't understand the concept of "buying the dip" buying the dip is all about buying digital assets when their prices are down and selling off when the price rises.

[@Anna_78953]

Yes I agree with you on that. I was once a holder with about 3BTC, 7ETH and $8000 worth of lite coin but now after investingl have about 17BTC and 21 ETH. Glad I got into crypto, talk about a dream job.😊😊

[@patrickworkman8497]

I'm so happy for you dear, please can you elaborate more about this? 🙏

[@lavellmcclougha2959]

I Thank God for Bringing Mildred Evelyn Rooney brokage service into my life, I'm happy for God's grace have found me through her.❤️😊

[@LianaMorales-h4j]

With copytrading, you could be sipping coffee on a balcony overlooking a bustling city skyline or lounging on a pristine beach, all while your investments work for you. Picture the freedom to pursue your passions, travel the world, and create lasting memories with your loved ones, all because you took the initiative to harness the power of copytrading and build the life you've always dreamed of

[@MilceJames-p7]

Becoming the person we needed during tough times is a powerful motivator for both personal and professional development. I wish everyone reading this the best of luck in achieving success!, made $28k from trading crypto and stocks.✅

[@Alexander-q6e2]

I will advise evryone stop investing on your own and seek for guidance from a professional, I don't invest on my own anymore, I always required help and assistance

[@barron-h6q]

New survey has revealed rising adoption of cryptocurrency among the world billionaires, as they start experimenting in the digital currency, expanding their investments portfolio beyond traditional profitable assets.

[@GabriellaGeorge-x6f]

This is huge! Your advisor must be grade A. Mind sharing more info, please? I'm in dire need of proper asset allocation.

[@LianaMorales-h4j]

Kicking off this year with such high hopes, especially with Bitcoin, has been a journey. Let’s be real while hodling has its place, those waiting for only the big skyrocket moments might be missing out. Day trading has given me more steady, consistent growth thanks to michelle sule guidance and her daily signals. Couldn’t have done it without her!

[@edengardeningtowers4923]

This is precisely why xrp will have a giant price jump😊

[@Init369]

And how is that jump gonna happen lol

[@edengardeningtowers4923]

@Init369 one step at a time just like anything else in life.

[@cango5679]

@@edengardeningtowers4923 It must more likely take the elevator up 🙂

[@rodsevern5558]

Flip the switch. But Who, When, & How 🤔

[@kapaoleoleo1694]

What am I missing? All you have to do is raise the price of XRP. If XRP is 1 million dollars, you need 1 XRP to send 1 million dollars. Very easy.

[@RakunDJohny]

RLSUD?

[@abdul.hadi1]

You can't JUST raise the price of xrp. Price goes up based on the buying liquidity and bull run. If the liquidity goes down for some reason as people need to withdraw their investments, it's going to decrease XRP price and add a result, the supply needed for each bank transfer. I think it's a legitimate question.

[@SlickWillie589]

You missed the point my friend. Banks all over the world hold lots of cash in different currencies collecting dust in nostro vostro accts. With XRP they don’t need to hold as much or as many different currencies, just the one bridge digital asset & yes they NEED to hold XRP. (Btw, what they would need to hold in XRP, that value would be a lot less compared to what they have to hold currently). Banking just got easier for the institutions, holding the XRP when they need to move to any country into any currency facilitating quick, efficient cross border transactions with instant settlement. That’s the secret sauce.

[@clodhoppin2645]

So what happens when a bunch of private retail holders sell after price say hits $1000, and big banks take paper losses in the billions. The path to price stability seems quite treacherous and I don't see how it stabilizes given the potential risk of XRP holders needing to "de-risk".How Would this make XRP a viable cross border currency if it isn't stable? It sounds like BTC all over again

[@SlickWillie589]

@@clodhoppin2645 When the financial institutions are in, they are buying XRP by the millions. When the time comes there will be trillions in value transacted daily & us tiny retailors selling our teeny tiny bags to take a profit won't even make a dent into the market cap. I know it's hard to see that future coming with today's current price & the limited amount of institutions using it now. Just know once upon a time people said BTC will never reach $100 when it was less than a penny & now it's over $100K & that's without the utility that XRP has.

[@pepm3746]

@@clodhoppin2645Ive heard talks about xrp having a set price?

[@Falcon2609]

​@@clodhoppin2645The average retail holder will not hold to that high of price. The majority will sale way before XRP hit a $1000.

[@monotoneSpirit]

is it still considered decentralised? given the control of ripple, technically, they can sanctioned the way they did to Russia if they choose to. Right? Thinking out loud, why would bank want to keep the money in xrp.

[@SimonPetrus-e2z]

I had problem comprehending trading in general. I tried watching other KZbin trading channels, but they made the concepts more complicated. I was almost giving up until when i discovered content and explain everything in detail. The videos are easy to follow

[@KingOgene]

I've been making a lot of looses trying to make profit trading. I thought trading on a demo account is just like trading the real market. Can anyone help me out or at least advise me on what to do?

[@LawrenceJames-d1f]

Trading on a demo account can definitely feel similar to the real market, but there are some differences. It's important to remember that trading involves risks and it's normal to face looses sometimes. One piece of advice is to start small and gradually increase your investments as you gain more experience and confidence. It might also be helpful to seek guidance from experienced traders or do some research on different trading strategies

[@AldrichMartinAldrich]

I will advise you should stop trading on your own if you keep losing

[@AldrichMartinAldrich]

If you can, then get a professional to trade for you i think that way your assets are more secure

[@AldrichMartinAldrich]

I'd recommend Gabella,Alice her profit is great even when there's a dip

[@emiliosman820]

Well xrp isn't the only iso coin ada, hbar, xlm qnt iota... also the coins will come back on the ledger once the exchange happen. The whole point is that bit coin and most others will drop because they have no real utility I believe ... we shall see, great questions and I believe we are all wondering the same things .

[@rcary]

I grabbed 3000 coins around $2. I hope i see some profit over the next 2-3 years. Im 56 and have my eye on a nice 45ft sailboat. Boat is about 100k used. 🙏😁

[@rickr8635]

Might want to learn about liquidity pools and get hip to earning high yield instead of selling it and living on the passive income not enough people understand that, and care about pricing for a $ that loses 3% annually and defi 3-10x higher than banks are offering... cause crazy predictions coming close Will be passive income depending on the crypto earning from SMH with the charts again 😂 that explains his question 😂😂

[@louiswatson6227]

Actually, RLUSD will be the transport mechanism, and fractions of XRP is burned with each transaction therefore, XRP must be at a higher price to facilitate multiple transactions, you need to do more research to get a better understanding no comments here will do that for you for some reason I think you know that!

[@kirilvaltchev4560]

let me correct you here, While RLUSD will function as the stablecoin or fiat pegged token for the Ripple ecosystem. there is no proof that RLUSD will replace XRP as the primary transport mechanism for transactions. A shift toward stablecoins like RLUSD as the main transport mechanism could reduce XRP’s importance and reduce the price. A small fraction of XRP (measured in "drops") is burned with each transaction, which naturally makes it deflationary over time. The burning reduces the supply very slowly. The higher price is also not a necessity for XRP to function. Burning alone doesn't impact the price the way you are claiming. While a higher XRP price can reduce the total amount of XRP required for transactions, the tokens high divisibility ensure that it can function normally even at very low prices and handle massive transactions

[@louiswatson6227]

@kirilvaltchev4560 I didn't know we were doing a thesis here, I understand exactly how RLUSD will operate, I was giving a small snapshot explanation of what it's meant to do people don't have a general understanding of what cryto is or how it will be used, you just ran everyone away with your textbook explanation of a simple STABLE COIN ... lol 🤣

[@kirilvaltchev4560]

@@louiswatson6227 Oh, so we're dumbing it down now? Got it. Look, if you're going to explain crypto concepts like RLUSD and XRP, at least get it right. The whole 'higher price is a must' narrative is factually wrong and shows a lack of understanding about how divisibility and liquidity actually work. Simplifying things for people is fine, but spreading misinformation under the guise of 'making it easy' isn't doing anyone any favors.

[@louiswatson6227]

@kirilvaltchev4560 Okay jerkoff, whatever you say, are you done cause I am this conversation is over go beat your wife or something, your personality fits that M.O.

[@darrenarthurs8796]

You seem to be the only person here to understand the utility 😂. It's not that hard to understand even for an uneducated Scotsman

[@LIGHTNING-1971]

Xrp is not the money... its the tool to get the money across to the recipient

[@jonmath4182]

That is too basic. There are other lingering questions beyond just that

[@r.k.867]

Xrapid is the tool to get the money across to the recipient. XRP is the bridge asset and on demand liquidity that is needed to complete this.

[@livingdaylightsband]

@@r.k.867 I'm thinking that XRP is like the pooled crypto asset to provide liquidity to the exchange.

[@r.k.867]

@@livingdaylightsband Yah pretty much right and to access that Pool to have use of the bridge asset and on demand liquidity (AKA XRP) the Banks and Financial Institutions will have to be set up with xRapid.

[@MattB-j8j]

U mean it's a stablecoin, which many other Blockchains can do. I don't see how XRP differentiates themselves among the others... XLM, HBAR, ICP, etc can do all this...

[@PrincessBlessing-m1p]

Hi mate so excited today just reached my goal of 400k since June2024 to December 2024 I thank GOD for the life and wisdom shared

[@LucyVade]

this is huge amount congrats to you

[@Rolando-en6en]

interesting I'm 57 and no much income in my life how do I make it like you if possible 🙆

[@chinyerejoseph8004]

From $10,000 to $76,000 that's the minimum range of profit return every week i thinks it's not a bad one for me. i now have enough to pay bills and take care of my family.

[@PrincessBlessing-m1p]

Day trading is the best way of making money in the market due to lack of experience which resulted in loosing funds... But miss Bitia Sandoval, restored hope shes a good woman

[@WilliamAMilley]

Life is easier when the cash keeps popping in, thanks to Bitia Sandoval

[@DesertRainSH]

That's probably why Ripple came up with the RLUSD instead. Now they no longer need to convert to XRP, but only use xrp as gas fees.

[@blakeprestridge3302]

You're absolutely right! If only one bank was using XRP. The fact is that hundreds if not thousands of banks would all be using it at the same time, so massive use is what drives the price up and the banks won't care how much XRP costs because to them, it's still $2.5B.

[@blakeprestridge3302]

Not to mention that the same bank will likely make multiple transactions a day, this is why market cap doesn't exactly define a utility like XRP no more than it does oil, just oil companies.

[@blakeprestridge3302]

They do buy it, not borrow it. They buy it with fiat currency and ship it off. If they "borrowed it", then they would get it back. A small portion gets burned. The receiving bank can choose to convert it back to fiat or use it for another/different transaction.

[@TonyQmm]

I can't see a bank not caring about the cost associated with doing a transaction. That just doesn't make sound business sense. I think the price of XRP will absolutely be a factor to banks, even if they choose the pass that fee onto their customers (which is likely what will happen), I don't see that going well for the bank in the long run.

[@blakeprestridge3302]

@@TonyQmm again, if they have to send $1M, then they just buy $1M worth of XRP. The only difference is instead of buying 1 million coins, they buy 1000 coins, or 100 coins, whatever the transaction rate is.

[@victoriamilman9802]

@@BZeeLife why will banks borrow XRP all time high price if they can owed them when they crash it?

[@Rarworba]

David Schwartz, the Ripple CTO has addressed that concern in few of his presentations. He said "XRP cannot be cheap." Because of that concern that's why some analysts think XRP might be a better Bitcoin.

[@thefozman6884]

The last gasp of a Bitcoin Maxi-pad.

[@DRDaily-rosebud]

😂

[@xisigma]

Will bitcoin bust?

[@jonmath4182]

He's very proud of that

[@SouthWestIron]

@@xisigma When Tether collapses its highly likely

[@sorrystarfish38]

​@@xisigma it's quite literally a boom or bust, this'll either gain traction or fall off the edge of the map, but it could make a future comeback with quantum computing but that's pure optimism with no backing

[@codycrowe9636]

I have been questioning that myself, I have high hopes for XRP but I can't help but question what happens when all of the XRP is burnt after all of the transactions? is it burnt permanently, or does it go back into circulation after each transaction is completed?

[@Stash777]

In your scenario the bank uses XRP for 10 seconds. That gives us 24h x 60m x 60s thats 86,400 seconds in a day. Divided by your 10 second figure gives a potential 8,640 transactions per day. 8,640 x 50B supply gives you the ability to transfer $432,000,000,000,000 let’s say rather than 50B in circulation there is only 10% of that you still have the ability to transfer $4,320,000,000,000,000 Now let’s say each transaction takes 1 minute instead of 10 seconds that’s $7,200,000,000,000 even with those numbers it’s already 2T more than your estimated 5T that swift is processing. All that is with XRP price at £1

[@jeffwhitehead3668]

Price has to go up. 1 million drops per XRP. What if XRP was worth 100, 1000, 10,000, pick your number. 10 trillion dollars moves around the world every day.

[@ericbeins7254]

This is why they will set the XRP standard, like the gold standard or the oil standard. The price will be set so the institutions will work with it at the set price.

[@BZeeLife]

Yes, that was my thoughts, price could be set for example $10.000 and than will slowly rising up, with burning rate and usage.

[@investormogulllc.9766]

I hope you are right but then why did they create RLUSD?

[@athleticman1000]

Rlusd is what will be used to trade, XRP is the gold that backs it up

[@MHollywood5]

So pointless...

[@investormogulllc.9766]

Can you explain this more? Why would XRP be used as a backup? I am so confused about this. I am worried XRP will be used at all because in to use the Ripple Ledger, you don't have to involve XRP. This is because Ripple released its own stablecoin RLUSD. XRP is volatile and vulnerable to slippage making it a poor choice for transactions especially compared to stablecoins. I'm beginning to think they will use RLUSD and not XRP. My concern is that XRP will be useless and therefore valueless. I hold 20,000 XRP hoping it would go to just $100 and am now worried that we helped Ripple build their project by purchasing XRP and that we are about to be left in the dust with the worthless coin. THOUGHTS?

[@Prolific707]

XRP will be used for gas while RLUSD will be the stable currency.

[@mikegleasonjr]

This can't be further from the truth. If we go back to his first example of a US bank sending money to Mexico, he said "2.5 billions are traded for XRP". Which means in the current state, the "old" system is still in use. THE BANK HAS TO WIRE SOMEONE 2.5 BILLIONS US$ to convert them to XRP. In the traditional sense of things. If the bank instead holds RLUSD, the transfer to the broker/liquidity pool/Ripple Net is even faster and you are now totally free of the old system since everything is now on the same ledger. The receiving end is the same. If they don't have a stable coin in Pesos, they will receive Pesos the traditional way from the liquidity pool after the trade from XRP. So the system is upgradable and the sender and the receiver can take different paths of optimization. It is possible that XRP won't be involved in a trade. Let's say a country holds RLUSD because their currency is the USD, RLUSD will be traded from the beginning to the end, bypassing XRP. There will be a transaction fee in XRP though, but very minimal.

[@simonwatson7796]

What has been carefully left out of all publicity is that International trading LAWS stipulate that all assets used for cross-border trade MUST start with the letter X! As in XRP, XLM and XDC which are the ONLY cryptos that meet the new ISO20022 standard for cross-border payments. Which is also why gold is internationally known as XAU. RLUSD cannot therefore be 'legally' used as the payment mechanism (actually impossible due to the way the ISO messaging works), and in any case will in most cases be 'bridged' to the host 'native' crypto anyway, as in RLGBP recently hinted by the digital pound foundation, and likely to be many more RL??? native cryptos.

[@nightmisterio]

I have a question. What happens if all exit bitcoin? Will there be money for all of it?

[@MeanMattyDean]

If everyone withdrew money from the banks there probably wouldn’t be enough either lol

[@michaelgilman2691]

People also ask How many droplets are in an XRP? The base unit of XRP is drop: 1 drop is ( 10-6 ) or 0.000001 XRP. 1 XRP is ( 106 ) or 1000000 drops (1 million).

[@michaelgilman2691]

Your welcome

[@rldays9179]

This is what I have been saying. Transactions have already been happening on the XRPL and they did not push the price up at all because the XRP is only held for 3 to 5 seconds. So price discovery cannot come from these transactions. It can only come from supply and demand. Right? So somehow, whales and retail investors have to buy enough to push the price up to $1,000 or whatever they need it to be. But then Bitcoin has gone from $100 to $100,000, so it is possible, it can happen. But that is because of scarcity. We will run out of Bitcoin at some stage. And now we have Blackrock, and the US govt saying they are going to buy and hold Bitcoin like Equador is already doing. This buying will push the coin up to astronomical heights. But once they have bought their coins, and nobody is buying, what happens to the price? It can't keep going up. Would it stay the same price if there was no action or volume moving? When volume drops, usually price also drops. Doesn't it?

[@cango5679]

El Salvador

[@jonmath4182]

When everybody who wants btc has gotten their btcs, then the price won't move up, it may not even sustain a stable high enough price. Unless it continues to command demands. Which come from utilisations. High enough utilisation rate daily. Likely by being the digital currency used in daily peer to peer trades?

[@clown192]

​@@cango5679right. I knew it was one of those

[@clown192]

​@@jonmath4182btc won't be used for peer to peer. Transactions are too expensive now let alone when all the btc has been mined

[@annonymoushuman25]

Here what i think will happen. My personal thoughts. Are either banks already bought xrp at 1/5th of a penny a decade ago and have alrwady 1000x their initial investment . Or they will buy their 2 billion worth of xrp from ripple labs from the 1billion xrp to be released each month. The bank buys their 2 billion of xrp from ripple labs at a set fair market price and the bank on the other end sells the xrp back to ripple labs at fair market price, same price as 10 seconds ago. No way banks will go to binance to buy 2 billion in xrp, which is what would send the price to the moon.

[@r.k.867]

The Banks do not buy or need to buy XRP. They buy the software Xrapid which requires the use of XRP as the bridge asset and on demand liquidity to complete cross border payment transactions in real time for a low fee.

[@BZeeLife]

My crazy thoughts.. Banks wouldn't need to BUY the xrp! They would just borrow it from the pool, and paid little transaction fees to Ripple or with xrp transactions 🤷

[@r.k.867]

@@BZeeLife You're pretty much right. The banks do not need to buy XRP they need to buy the software xRapid which requires the use of XRP.

[@Mden74]

The banks buy rlusd. That’s the 1=1 usd value. They borrow the xrp for 3 seconds for a fee to the ledger (ripple)

[@deebea6364]

It seems that all of your calculations are based on current prices, which reflect where XRP stands before mass adoption and utilization. It's important to note that it's possible to send Bitcoin through the XRP Ledger faster and significantly cheaper than doing so on Bitcoin’s native network. The transactions on the XRP Ledger are so fast that the price of XRP doesn't have time to fluctuate wildly. As more XRP is bought, its value increases, meaning less XRP is needed per transaction. Once the currency is converted on the other end, the XRP used is returned to the liquidity pool. If people are holding and not selling the price pushed higher still, All of this can happen in the background as well, where the transferer doesn't even know their transfer is using blockchain tech, they just see it moved faster and cheaper, and now their pesos are in mexico 🤔 theoretically even at lower values XRP could still move high amounts of $$$$ across a few back to back transfers within seconds / minutes (compared to days for swift, and transfers and fees between multiple banks

[@JamesMckenzie-u6m]

After reading the comments I realized I don't know shit about xrp but I see that a lot of very intelligent people do. Since a lot of very intelligent people are buying and holding xrp I am going to follow their lead. I thank you all for doing the research which I am incapable of.

[@devireddysreedevi1180]

Which coin is good for short term invest

[@fijiweddingvideographyphot1585]

Having Banking background, XRP cannot be used, it is not a stablecoin. Banks transacts in Billions via swift, for example imagine using XRP which fluctuates to smallest value like 0.00001 that will create choas in banks settling their own ledger. RLUSD will be like USDT, 1 to 1 value. Banks will only use that. Maybe somehow the system will be designed to use XRP for fees only for transactions.

[@GOBoysRP]

'Banking' will always take care of it's own first, then adapt to the cheapest way to transfer funds on a accounting ledger. In my opinion, XRP is more like a Visa, MC, etc. in it's infancy but specifically tied to (fees) between Foreign Currencies (border transactions). Visa was private until it went Public, banks made a killing prior and post IPO. And you can't tell me that they (banks) didn't invest knowing that Visa was going to make a 'superior' mark on fees, World wide. Banks are financial tricksters who know their business and offer their hand in friendship to all whom will receive it. Their schemes are well published, if anyone ever actually simply reads their (our) History.

[@DuaneRedding]

You assume that XRP will stay between $2-$3. Try $10k. You are correct, if it were to stay at its current rate.

[@rystrm]

You didn’t watch the whole video did you?

[@DuaneRedding]

@rystrm Yes, actually I did. I think, as some unsolicited advice, why don't you start out with the last parts first. I understood what your questions were ultimately, but the premise is almost completely lost through the context.

[@myhero8218]

Your correct

[@markquitoshammeritos]

I think you make the best case for an XRP needing to be priced at $10k in order for Ripple to be able to accommodate all the worlds' transactions. The higher the price the less XRP you need to use to make one transaction go through. Therefore, XRP should have never been offered at a couple of bucks when it was designed for large institutions, central banks, and countries to transfer money. The initial price should have been $10k per XRP. Lucky for us it wasn't. Like you say the math doesn't add up which means the price of XRP has to go up dramatically, maybe relatively quickly.

[@144Souldier]

That's what the guy is saying. This wasn't suppose to be foe regular people. The US government doesn't want every normal person walking around with millions of dollars. So I hate to say it but seem like ripple may try to push another product out at some point at that coin will automatically be in the thousands when it drops to ppl like me and you.

[@ribin21]

The flip the switch moment

[@rjkubr]

⁠@@144Souldierof course at the rate the US Government is spending/printing money, that one million dollars will soon buy only a loaf of bread. We will need a digital wheel barrow to carry it around.

[@_--____--______--___]

XRP is going to be the best thing I ever did. I only have 109 and plan on accumulating 1,000 over the next few months, so once it hits 10k per coin, I'll be selling some and retiring 😅.

[@shootermcgavin1208]

@@_--____--______--___about a 1% chance of that happening, sorry.

[@jdblueemerald]

I don't know what groups might exist, maybe a consortium of bankers, to arbitrarily set a price to optimize liquidity. But I do know this. If a $10K price were set, there'd be no cash liquidity for any of us to cash in. Am I right about that? Where would that money come from? This is why I think TPTB are going to set a buyback price that is somehow mandatory for retailers like us. I don't know. I've been troubling over this question for some time, and none of the explanations below inform me on where the cash is going to come from to pay holders once a price is arbitrarily set. The whole thing reminds me of the mechanics of the currency revaluations that also seem to be unfolding.

[@CoryHobbs2178]

Perhaps liquidity pools?

[@michaelkelton6319]

As I read though the comments, a lot of people had good talking points on why XRP needs to be at least $10,000 and I was getting all happy thinking wow maybe someday I will be rich lol. But then I read your comment and I had to think about it for at least 20 minutes. Do you think they got around this problem by introducing RLUSD? So if a bank wants to send 1 billion RLUSD to another bank, the bank would just have to buy 1 billion RLUSD and then maybe a buck or two of XRP. I would like to know what you think.

[@richardvillanueva559]

​@michaelkelton6319 it would take only drops wich may be a buck or two but theirs a million drops per token

[@richardvillanueva559]

​@@michaelkelton6319it would make no sense to send whole xrps around 100billion would be used extremely fast

[@CoryHobbs2178]

@@michaelkelton6319 RLUSD is only in place until the price of XRP stabilizes. RLUSD is tied 1:1 with fiat. Eventually they'll flip the switch over to ODL. However, RLUSD will still increase the price of XRP because XRP is still required to move RLUSD on XRPL. XRP will be used as gas and will be burned on every transaction. Just like tether increased Bitcoin and UST increased Luna

[@minimotivates]

I think the question oversimplifies how liquidity and pricing would shake out in a mature ecosystem. If XRP based corridors grow large enough, you’re likely to see a ton of liquidity providers, market makers, hedge funds, trading desks, stepping in to profit from spreads. They’d hold XRP because it helps them make money on the constant flow of crossborder transactions, and this steady demand could keep prices more stable than the scenario suggests. Basically, even though banks might not hold XRP long term, the participants facilitating these trades, liquidity providers, have strong incentives to hold inventory. They smooth out price swings, ensure there’s always supply, and benefit when volume and adoption rise. Over time, that dynamic could find a stable equilibrium, making the whole “what if no one holds it?” scenario less realistic. Plus, the more established XRP becomes in real world payments, the more reason institutions have to keep it in their liquidity pools. It’s not just banks that matter, it’s everyone else supporting the rails.

[@3Nikola3Tesla3]

The factor you aren’t considering is tokenization and liquidity. You are looking at it at its current price. When the realized price is there it will make more sense. The value will be stored and backed on the ledger. Sell your BTC while you can.

[@PromoAmbitions]

Time will tell the tale...

[@jamesfulton3218]

Rlusd is cash. U use to trade. Xrp is gold tht backs it up. Same system but online 😂 thats way u look at it

[@MHollywood5]

Why would it need a backup lol so pointless

[@jamesfulton3218]

@MHollywood5 nt realy. Its a trust thing.

[@Truth_to_Powers]

Xrp needs to be a mini of 10k to be used successfully globally

[@elibrooks8853]

This only works if the price of the token itself is very expensive.

[@elibrooks8853]

Adding to that the price won’t fluctuate as much when high prices are reached after a mass sell off, and most will never sell they would stake it for interest

[@2TiZiK]

Exactly what it was designed to be from the beginning possibly?

[@dotinsideacircle]

@@elibrooks8853 How will they stake it? where?

[@TrojansFirst]

It doesn't have to be that expensive. It just takes more transactions. He's talking about needing to move 2.5b all at once in 3-5 seconds. You don't need to do it all at once. Do smaller portions over and over, even if it takes 30 minutes because the XRP price is only $10-20, that still works and is a massive improvement over the current system. But as XRP price rises fewer transactions will be needed to move a large amount and that will be faster.

[@MargaretForsyth-dd3bs]

You only use the XRP for 5 secs and then it is sold again will the net deficit is the burn rate

[@davidlebron5806]

right. he's missing that only a small percentage (0.0000001 of an xrp) is burned in the transaction.

[@QuanticLifeScience]

Lets not forget, the transaction is settled in 3.8 seconds, so no worry about how many XRP in circulation as a defining factor for your question.

[@BrokeDad_Rich]

Great question and video. Once they announced the RLUSD token I feared that it would dilute the value of XRP. Having studied it for a while now my guess is that price discovery will send XRP way higher as these huge entities will need to pay much more for XRP (due to scarcity) in order to use the Ledger. The demand will far outpace the supply causing the price of XRP to skyrocket. At least, that's what we hope happens

[@squrt57]

According to recent data, the daily value of global transactions is estimated to be around $5 trillion based on a total global payment volume of approximately $1.8 quadrillion per year, which equates to roughly 3.4 trillion transactions annually

[@jonmath4182]

From my google search: People also ask How much does JP Morgan transact per day? At J.P. Morgan, payments are our language. We process nearly $10 trillion a day in more than 170 countries and 120 currencies

[@callumodonnell729]

Maybe the IMF sets a price, maybe they make it the price of gold... who knows

[@BuckleUpPansies]

From what I understand, The RIPPLE network was designed from the very begining to be adaptably scalable. And XRP was specifically designed to efficiently navigate that network. That was boasted to be one of XRP's superior features and it's biggest advantage over the competition.

[@Brandon-b3k]

You are describing the current swift system. XRP is completely different. The answer to your question is in the AMM. XRP eliminates the need for banks to hold large amounts of foreign currency. One currency comes into the AMM and another currency leaves. This happens in seconds and costs very little with XRP. XRP is not a stock and it is not a crypto currency. It is a technology. Market cap does not even remotely apply. XRP IS the new banking system. If you REALLY want the details, look at why Japan is converting their entire economy to run on XRP. They would never do this with something that has a market cap.

[@mvngl3r281]

You need to multiply the price of Xrp with the market cap. So if you hold there is even less. But people will cash out at 10 bucks, maybe 50, 100, 1000, … . Who knows where the price will land

[@jcanvid]

That's exactly why we're going to see a show grow in price. We want to get the soft hands to fold.

[@wallbangerproductions840]

$33,000_ $55,000 XRP for The IMF to use long term. Xrp cant be dirt cheap is the answer as the system takes it up. And deflationary expandable to 1 millionth drop of xrp for 115yrs more or less. to cover costs.

[@ttony777cpespective3]

That’s why xrp will be 10/35K per token.

[@IggyD444]

😂

[@logangreenfield7612]

So what your saying is that the price would have to be way higher for way more money to go through xrp , is that not obvious do I have to explain that to you

[@lawriesparham6434]

Isn't the burn rate 0.00001 xrp per transaction? So would it be a case of deviding 1bn by 0.00001 then would this not give the number of transactions you could make before 1bn coins is burned?

[@lexi7043]

I'm selling some XRP at $5 to clear my debt-lesson learned from the last bull run; not risking that again! I still hang on whether to sell or hold for the long term.

[@DaveCampbell-bi45h]

I think what you need is a financial advisor assigned by a brokerage company that will trade for you and handle your capital professionally and give you weekly returns of investment without any extra fees attached

[@DaveCampbell-bi45h]

Evelyn Turner,is the advisor that guides me.Her Insight's, daily signal and optimal returns are impressive.

[@Stefanie-qj7lw]

Yeah, Evelyn Turner was my hope during the 'bear summer' last year. I made so many mistakes but also learned so much from it, and of course from Evelyn Turner. She is my number one source when it comes to crypto and TA.

[@seymoursalina]

Wow...Seeing a remark regarding my manager Evelyn Turner is quite energizing, she's really a good investment advisor. I was privileged to attend some of her seminars,that's how I started my crypto investment

[@tomhall9582]

So you guys know her too?... he made me and I have our own house and car. She is good. Her success story is everywhere, her method surprised me honestly

[@williamrlittle]

If the Banks need it to Save on Transaction fees, The Price will have to dwarf Bitcoin.

[@quantumtechcrypto7080]

XRP may suck and fail but that brick wall behind you is super cool.

[@carlosa503]

Just waiting xrp to hit 10k then I'm out. Thank you 10k x 242xrp = happiness

[@ayklein3690]

Us banks will use RLSUD to sent money, not XRP. However every RLUSD transaction requires it being wrapped in XRP which could slowly increase the value over a long time.

[@ColinMcElaney]

This video in one sentence: Higher liquidity facilitates greater transaction capacity and broader adoption.

[@johniley-zb5eq]

If 1 xrp goes to say 10k or even 5k , where will the cash liquidity come from ? If everybody who owned xrp wanted to cash in and banks don't need to hold a great amount , where does the cash come from ?. I don't know much about finance or crypto come to that . But I'm just wondering where the money comes from

[@cryptowalker13]

Correction* There's 1,000,000 drops in each XRP. The same way there is Satoshi's for bitcoin

[@g72080]

There is a million drops in a XRP.

[@DRDaily-rosebud]

I read it was a million drops per XRP. Ex: $.01 x 1,000,000 = $10,000 is another part of the scenario to consider. RLUSD just minted 10 Quadrillion ex: 10Q/ 100B= $10,000. Now add in 1500 trades per second per XRP and it’s flying at $1,000,000. Did I mention 1700 NDA’s are going live in 2025?

[@cryptowalker13]

​@@g72080cheers mate

[@gw-117]

I know this may sound absolutely insane, but XRP will be no less than 1 million per coin...that's actually being humble tbh. Y'all have no clue what you hodl

[@hasankurti9535]

If that ever happens I’m gonna start smoking crack again 🤣🤪

[@jonmath4182]

Um... That'd be more than fantastic, but I don't think it'd be that high. Getting to anywhere between 1k-10k is definitely, reasonably logical though

[@AS-qj5eh]

@@jonmath4182this cycle?

[@XRP2luna]

Agreed. The possibly is crazy with 1,000,000 drops. And do you think they will do transfers @ $.01c. If they did it COULD be $10,000. But I do not think they will. I think it would be rounded up to the nearest dollar. Hence your $1,000,000 yeah. What if they only transfer to the nearest $1,000 which is possible.

[@garybill721]

I think it will be raised based on demand. As pressure on the daily transaction volume peaks there will be God candle days where it goes from $10 straight to $100 straight to $1000 etc in incremental bumps. In order for fractionalization to take place it has to deplete the available supply, which is coming soon.

[@stevenhibbard5332]

Believe it or not, XRP is a stable coin, all the central banks and all the financial institutions that moves big money already agreed to a certain price. We are all waiting for regulations and clarity. Once we get that this switch will be flipped.

[@mpaco3028]

For someone claiming not to know crypto..... Your questions and thoughts are spot on. Well done, Question the insanity.

[@billsmith1636]

It's OK here to help ! You are not accounting for increased value of XRP leading up to such example...somewhere between 100-10,000 usd per share by then....so at a $ 1000 per share it would only take 1 million xrp for your stated transaction. No way it will be at $2.40 if it makes it in the door !!!!!

[@kingchristopherpaul477hutc8]

RLUSD will be wrapped in XRP.

[@aburafet8291]

Good, RULSD will not do anything to xrp

[@RT-xi8qs]

RULSD will do for XRP , it will make it more valuable . Its all explained on Google

[@CoryHobbs2178]

​@@aburafet8291it'll make XRP more valuable like tether to Bitcoin or UST did to LUNA

[@kingchristopherpaul477hutc8]

@@RT-xi8qs RLUSD😁

[@DrumRoody]

David Swartz said this is exactly why zerp needs to be expensive. 1 to 1 wont work. 10 to 1 wont work. Maybe 1000 to 1

[@MenschmiteigenerMeinung]

Money is not send from A to B and B is holding it. At the same time B is sending money to C and so on. Thats the reason why XRP has to have a spezial price for doing the business. I hope now its clear for everyone

[@WilliamParksBethesda]

Ive thought about this also. For this reason, in order for it to work, xrp would need to be worth a lot more that $2. What if it were worth $100 or $1000?

[@lawnbear5958]

You didn't ask a question. You asked 5 different questions that rambled atop one another.

[@ringydingydo]

I had the same questions. It didn't seem to ramble to me. It just resonated.

[@lawnbear5958]

@ringydingydo articulate them

[@fromthepeanutgallery1084]

It was long question with 5 parts.

[@lawnbear5958]

@@fromthepeanutgallery1084 summarize it

[@LibbyCross-v7o]

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[@MargaretSarah-n8r]

Exactly, at the moment bitcoin is the best and profitable coin to buy and invest in..

[@Derekmartin-d6f]

My first investment with Mrs Erica Denise, gave me a profit of 97k dollars and ever since then she has never failed to deliver and I still stand by saying she is the most sincere broker I have know

[@Derekmartin-d6f]

The only safe reliable, genuine and highly experienced expert I can refer you to is Mrs Erica Denise Melissa.

[@MaryTyler-r4c]

Indeed crypto is the best investment, Earning3x my salary soon I won't have to work anymore..women should start taking part in these kinds of digital investment ​@@MargaretSarah-n8r

[@JohnAnderson-i1e]

Who's this professional trader and how can I get In Touch with her? Can I start with 2000$? ​@@Derekmartin-d6f

[@tony.n3324]

FUD spreading

[@cornstar1253]

Which part was incorrect.?

[@bigzee89]

Asking questions is the opposite of FUD spreading...

[@FinancialLiberties]

The points you have made in this video have been something I have been asking for the last year. While I own XRP and bought more on this recent dip, I am looking to exit soon and take my 10-20X. At that point, it becomes unclear if the global banking system will use XRP itself for all the payments that are done to replace SWIFT or the FX market. I suspect that global banking with bigger dollar amounts will be done using something else, but XRP can become the standard for transfers and payments for everyday transactions that average people make. So if you want to buy a car, make payments, or even possibly buy a house... XRP could be used for those. Of course, this is uncertain, but for now, I am still very comfortable holding XRP at $2.5 and possibly buying some more on 1 more major dip... then I think it can run up 1 more time to $5 - $10 and will be looking to sell a good % of my holdings and see what happens then and where the market conditions will be at that time. Do I think it is possible that XRP can go to $50-$100 or more, Yes it could but I am not 100% saying it will. I just do think it still has some more upside from here and am not ready to sell everything right now.

[@BradMillsXRP]

Banks don't care what the price is because they're only holding it for three seconds

[@danielbush3099]

Your assumption is the world will remain to be free. However, the goal is simply to bring everyone into one digital currency. XRP is simple a transition. Eventually, every world government will have a programmable currency. That way, the one world government can manage what you have and what you spend. They can determine if you are allowed to spend the money you have. They will determine what you are allowed to buy. They will determine when and where you are allowed to go.

[@RicArmstrong]

Very true. I can't believe how many people are willing to allow themselves to be shackled.

[@samuraitadpole5459]

​@@RicArmstrongwe already gave up our freedom for a convenient life, why stop now

[@cornstar1253]

One day vast majority will wish they'd never heard of crypto.

[@vikingcat794]

🤣

[@jcanvid]

OMG that's not how it works. RLUSD & XRP is the bridge between currency. Not the currency itself.

[@DannyRodriguez158]

I lost over $80k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Katherine Stewart.

[@AllenChapman23]

I'm surprised that this name is being mentioned here, I stumbled upon one of her clients testimonies on CNBC news last week...

[@PatriciaMcBain25]

Katherine Stewart strategy has normalised winning trades for me also. and it's a huge milestone for me looking back to how it all started

[@AidenMendoza23]

Really you people know her? I was even thinking that I'm the only one she has helped walk through the fears and falls of trading

[@Nikolaj.Mikkelsen]

As a beginner what do I need to do? How can I invest, on which platform? If you know any please share.

[@AmeliaEarhart110]

The first time we had tried, we invested $1400 and after a week we received $5,230. That really helped us a lot to pay our bills.

[@PilotOlms]

Banks will only want to use stable coins to transfer money because none of them want the risk of price / value reduction when your sending a fixed amount RLUSD will be used for cross boarder . The XRP might just be the way Ripple has money to fund RLUSD

[@MattB-j8j]

Nailed it!

[@TonyQmm]

If I am correctly understanding your assertion, you're speaking in terms of XRP being a finite currency. I had/have the same thought/question as you do and I think your question is a great one! I vaguely recall learning that once XRP is used for a transaction , that XRP is available for use again. If that is actually the case then we might be okay but I have to go back a make sure that's what I read. That said, looking beyond simply how high the price of XRP can go for us super excited bulls, 'is the whole thing sustainable in the long run?', I think, is the crux of your question. I see it being very difficult to sustain if XRP is indeed a finite 'resource'. I definitely want to do more research around this as I have the same question.

[@sanjaysinha997]

The XRP being used at any time is held up for only 3-5 seconds before being sent back into circulation for further use.