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Xrp: a long term investment, not a quick riches scheme

XRP: Not Just a Quick Buck | Ripple Seeks US Banking License

By

Liam Hargrove

Jul 9, 2025, 12:36 AM

Edited By

Olivia Smith

3 minutes reading time

A person reviewing financial charts on a laptop, focusing on cryptocurrency investment strategies, with XRP logo visible on the screen.
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A growing faction believes that XRP is merely a get-rich-quick scheme, but recent developments suggest otherwise. Ripple is applying for a US banking license, aiming for direct access to the Federal Reserve, signaling a shift toward a serious financial infrastructure rather than fleeting profits.

Infrastructure Over Hype

XRPโ€™s potential as more than a speculative asset becomes evident with Ripple's formal efforts to solidify its status in the financial system. A user remarked, โ€œThis is a legitimate enterprise solution to a huge problem TradFi faces,โ€ emphasizing XRPโ€™s role as a disruptive technology in traditional finance rather than a mere speculative play.

"If Ripple actually gets a banking licenseโ€ฆ XRP could become the first crypto classed as an FX currency."

A comment highlights a growing confidence in XRP's long-term viability.

Market Sentiment

The comments reflect a mixed sentiment among people engaged with XRP. Here's a breakdown of key themes:

  • Long-term investment: Many see XRP's current state as undervalued and anticipate significant appreciation as market conditions evolve.

  • Regulatory clarity: The ongoing SEC lawsuit and potential outcomes hold significant weight over future prices, with several insisting that a resolution could act as a catalyst for growth.

  • Infrastructure potential: XRP is not simply a meme coin; it embodies serious infrastructure that could reinvent transactions across borders.

Voices From the Community

Several comments reveal different attitudes:

  • "Once the wealthy catch onto this it wonโ€™t be enough," one user asserted, hinting at a looming demand scenario.

  • Another proclaims, "When Hot Wheels Lambo?" capturing the mixed motivations behind investing.

  • A third commented on XRP's burn rate, stating that declines will lead to โ€œhuge evaporationsโ€ from the market.

The overall tone indicates cautious optimism, with many looking at future possibilities instead of instant windfalls.

Key Highlights

  • โ—‰ Ripple's attempt for a US banking license underscores its serious approach to crypto.

  • โ—‰ Many believe XRP is currently undervalued amidst ongoing regulatory shifts.

  • โ—‰ "This is a legitimate enterprise solutionโ€ฆ" - Comment highlights XRP's potential.

  • โ—‰ Mixed market sentiment, with expectations for long-term gains.

As Ripple strives for regulatory approvals, the future of XRP appears less about immediate riches and more about establishing its role in a fast-evolving financial landscape. Will the crypto community adapt its expectations accordingly?

Shaping the Future of XRP

Thereโ€™s a strong chance that Ripple will secure its US banking license in the next year, which could lead to XRP being recognized as a legitimate foreign exchange currency. Experts estimate that this development could boost XRP's price significantly, possibly leading to an appreciation of over 50% within six months post-approval. Additionally, if the SEC lawsuit concludes favorably for Ripple, investor confidence may surge, leading to increased adoption across institutional platforms. Several analysts suggest that positive regulatory news could unleash demand for XRP, setting the stage for a potential bull run driven by long-term investors seeking stability and innovative transaction methods across global finance.

A Lesson from the Dot-Com Boom

A non-obvious parallel can be drawn from the late 1990s during the dot-com boom. Just as several tech companies emerged from that era to reshape the business landscape, many failed due to over-speculation and short-term thinking. However, those that focused on building solid platforms and infrastructure, like Amazon and eBay, became integral to everyday life. Similarly, XRPโ€™s trajectory will depend not on fleeting market trends, but on its ability to provide real solutions in finance. The current sentiment around XRP echoes that era; the question remains whether it will become part of the digital financial fabric or remain a fleeting speculative endeavor.