More XRP Than Cash? “You’re A Genius”, Analyst Says
A sharp comment from a well-known XRP Ledger developer has sparked fresh debate around savings, inflation, and what smart money looks like today.
Utility Gains After Years Of Pressure
XRP spent years weighed down by legal uncertainty while its network continued to expand behind the scenes. With parts of that pressure easing, attention has shifted back to usage.
Cross-border payments remain a core focus. Stablecoin activity, including RLUSD, has increased. Tokenization of real-world assets is also being explored on the XRP Ledger. Supporters believe this growing use gives XRP value beyond price charts.
“ What’s the right amount of $XRP to hold? “
The truth is… it’s completely subjective.
We all live in different countries, have different costs, jobs, savings, families, goals. Some people chase money, some chase freedom. Some need security for health, travel, retirement,… https://t.co/A5g5Oa4f7c
— Bird (@Bird_XRPL) January 10, 2026
How Much Is Enough Depends On You
Bird has also raised a question that keeps coming up online: what amount of XRP is “right.” Reports note he often mentions 10,000 XRP as a rough reference, not a target.
His thinking is simple. If XRP ever trades in double digits, that holding turns into a six-figure sum in US dollars. For some people, that could mean freedom. For others, it might only ease pressure. Living costs, family size, health needs, and location all shape what “enough” really means.
Related Reading
Calling someone a genius makes for catchy headlines, but real life sits in the middle. Keeping some money in banks helps cover daily needs. Holding assets like XRP is a bet on future systems and long-term growth.
Featured image from Gemini, chart from TradingView
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