“Watching it drop from over $3 to $1.36 has been bad,” says one investor.
For many XRP supporters, selling at this point would be a “real loss.”
Investors in XRP, the cryptocurrency issued by the company Ripple Labs, are going through a moment of strong internal division.
After four months of lateralization and a fall of more than 62.4% from its all-time high (ATH) of $3.65 (reached in July 2025), part of the community is beginning to wonder if it still makes sense to hold positions or if it is time to abandon the bet.
At the time of publishing this article, May 21, 2026, XRP is trading near $1.37.
In this framework, a debate arose on the social network Reddit where different users shared frustrations, strategies and expectations around the asset.
“Watching it fall from over $3 to $1.36 has been bad,” wrote user evandollardon, who claimed to hold XRP since 2022.
The investor explained that he took partial profits near the highs, but still holds “a sizable bag” of XRP. In addition, he commented that he prefers to take out loans using his holdings as collateral rather than selling now.
“If I still believe that XRP can recover from here, then selling at a 40% drop just for liquidity makes no sense. That would be a real loss,” he maintained.
Prolonged lateralization began to wear down part of the community, especially among those who have been waiting for years for mass adoption linked to the international banking and financial system. “There is no reason to sell, XRP is still in development,” commented user Danthalas_01.
Other participants highlight that XRP was historically an extremely patient asset with its investors. “I have had it since 2016. Nobody knows if it will be worth $10 or if it will be worth $0.01,” Reeferologist wrote. “If you believe in it, invest periodically and forget about it,” he added.
Part of that expectation is supported by Ripple Labs’ plan to expand its real-world asset tokenization infrastructure (RWA). For example, as CriptoNoticias reported on February 12, Aviva Investors, a British asset manager, announced a collaboration with Ripple to explore the development of tokenized fund structures on top of the XRP Ledger.
Added to this is the launch of Ripple USD (RLUSD) in December 2024, Ripple’s stablecoin designed for institutional payments and liquidity. However, this business expansion has not yet been reflected in a sustained manner in the price of XRP.
“Hold XRP until 2030”
For his part, another user identified as QualityProduct247 recommended: “Invest in DCA and keep the asset until 2030.”
That reference points to the strategy known as DCA (Dollar Cost Averaging), a practice that consists of purchasing a certain amount of an asset periodically, regardless of the price, seeking to reduce the impact of volatility.
The same participant linked their bullish expectations for possible regulatory advances in the United States. “It will take time for the CLARITY Act to be enacted, then big capital will arrive and eventually global banking adoption,” he added.
The reference points to the legislative project known as the Digital Asset Market Clarity Act, a proposal (already approved in the Senate) that seeks to establish clearer rules for the digital asset market and delimit regulatory powers within the United States.
For years now, much of the XRP bull narrative revolves around a possible large-scale institutional and banking adoption. However, this scenario has not yet materialized in a massive way.
Despite this, other users directly ironize that expectation, like the one who wrote: “Waiting for the banks to delete all their software and start using XRP.”
Is XRP a good long-term investment or a speculative asset for trading?
The debate also exposes a recurring discussion within the community: whether XRP should be evaluated as a long-term technology investment or as a primarily speculative asset dependent on market sentiment.
Along those lines, the user Radiant_Bit_6135 exposed his negative sentiment not only about XRP, but about all cryptocurrencies, about which he said: “they are dead.”
However, that vision does not coincide with the current size of the sector. Currently, the total market capitalization of digital assets exceeds $2.5 trillion, with growing participation from institutional funds and large traditional financial companies.
XRP Must Break $1.51 Before “Big Breakout,” Analyst Says
Meanwhile, technical analysts continue to observe key areas for the price. For the financial markets analyst who identifies himself as “The Great Mattsby,” XRP remains trapped below an important resistance near $1.51.
The chart uses Fibonacci retracement levels, a tool widely used by traders to identify possible support and resistance zones from previous market movements.
In technical analysis, a resistance is an area where historically Selling pressure appears and the price finds it difficult to continue rising.
According to The Great Mattsby, “once the weekly and monthly candles start closing above $1.51, I think it will be ready for a big breakout.”
It is clear that, for that to happen, general market conditions would have to improve. For example, an eventual ceasefire in the Middle East and the full reopening of the Strait of Hormuzthrough which nearly 20% of the world’s oil circulates, could alleviate pressure on energy prices, reduce inflationary fears and improve appetite for risk assets such as cryptocurrencies.
Despite the signs that the technical analysis shows, The situation that XRP is going through keeps its community divided.