The Crypto Basic

The Motley Fool, a leading U.S.-based investing advice firm, has presented four reasons investors should buy XRP worth $2,500 and hold for five years.

XRP has dropped 25% this year amid a broader crypto market downturn, but many analysts see the decline as a buying opportunity rather than a reason to exit, insisting that a rebound could ensue before long.

The Motley Fool, a well-known U.S. financial and investing advice firm, recently joined this campaign with a surprise endorsement for XRP. Notably, the company presented four reasons why investors should commit $2,500 into XRP and hold it for five years.

Key Points

• XRP has fallen 25% this year, but The Motley Fool recommends a gradual $2,500 investment held until early 2031.
• The U.S.-based financial and investing advice company mentioned upcoming XRPL network upgrades and stablecoin and tokenization growth as reasons for its opinion.
• For instance, tokenized commodities on the XRPL recently surpassed $1 billion, indicating that XRP has captured a large chunk of the $7 billion market.
• Stablecoin supply on the XRPL has also reached $430 million, indicating rising network activity and stronger long-term demand for XRP.

The Motley Fool Makes Its Case for XRP

In a recent report, The Motley Fool highlighted XRP’s 158% price gain over the past five years as evidence that the crypto asset has already shown what it can do, rather than simply promising future results. 

The firm suggested that XRP was sitting at the start of what could be a very exciting stretch for holders, with a long list of planned network upgrades acting as the main reason for its positive outlook.

While the Motley Fool noted that investors could commit $2,500 into XRP, it suggested that they should spread the investment gradually over the next few months instead of committing everything at once. This points to a dollar-cost averaging (DCA) technique.

The report also clarified that the money should be funds investors can leave alone until around early 2031, roughly five years from now, and should not come from money needed for day-to-day expenses or emergencies.

Confidential Transfers Could Lead to Institutional Demand

The firm then presented four reasons they believe XRP could perform well within this period. First, a major part of The Motley Fool’s case is on a major feature the XRP Ledger plans to roll out in the first half of 2026, which involves giving users the ability to make confidential transfers. 

Notably, the report stressed that currently, most blockchains work like open books, where anyone can look up another user’s transaction history and account balances. Everyday crypto users tend to accept this, but for financial institutions and businesses that keep their payments and positions private, this much transparency is a serious problem.

According to the report, the XRPL plans to fix this by using advanced cryptography to hide transaction amounts while still allowing selective data sharing for audits and regulatory checks. This confidentiality feature will also cover tokenized real-world assets such as stocks and bonds held on the XRPL. 

XRPL Compliance Tools

The Motley Fool’s second reason involves the compliance tools the XRPL continues to build out. Notably, creating a token is not particularly difficult on a technical level, but enforcing the rules around who can hold, move, freeze, claw back, or delete those tokens is where things get complicated for regulated financial players. 

Meeting those requirements is often a legal condition for doing business, not an optional extra. The XRPL actively develops these compliance tools in the form of Permissioned DEX, Permissioned Domains, and Credentials, which make the network a more capable and reliable place to manage tokenized assets over time. 

As financial institutions look around for the right blockchain platform to handle their tokenized capital, a network that already meets regulatory standards will likely stand out. This growing reputation for compliance is something The Motley Fool sees as a steady driver of XRP’s value in the years ahead.

Tokenized Commodities and Stablecoins

For the third reason, The Motley Fool highlighted the rise of tokenized commodities. Per the report, during the 30-day period ending Feb. 20, the total market cap of tokenized commodities jumped 20% to hit $7 billion. At press time, the figure has increased further to $7.59 billion.

The XRPL already acts as the record-keeping layer for $1.1 billion worth of those commodities, a position it built through its compliance features and its automated market maker (AMM). As the network adds more features over the next five years to bring in additional tokenized commodity capital, The Motley Fool expects the growth to push demand for XRP higher.

The fourth reason involves stablecoins. The XRPL currently holds $430 million in stablecoins, most of which come from Ripple’s stablecoin, RLUSD. Per the report, this figure grew by more than 7% in just 30 days. 

The Motley Fool believes that as more users and developers see capital building up on the XRPL and looking for a return, they will feel more confident putting their own money to work on the network or building financial services on top of it. Since every transaction on the ledger requires XRP, a growing stablecoin supply points directly to stronger long-term demand for the coin.

A well-known crypto co-founder has insisted that XRP follows a clear path in its overall global mission despite the short-term price disruptions.

This commentary came from Vandell Aljarrah, a prominent XRP community figure and co-founder of the Black Swan Capitalist. According to him, the path XRP has chosen to take is not a mystery.

Key Points

• Aljarrah recently suggested that XRP’s overall path is not a mystery, referencing content he had originally shared in January 2025.
• The January 2025 post featured remarks from Rosie Rios, a former U.S. Treasurer who joined Ripple’s board of directors in May 2021.
• Rios spoke at a past Global Business Summit where she called XRP a tool used by legitimate financial institutions to settle cross-border payments in seconds and at minimal cost.
• Rios is believed to have left the board around January 2026, though neither she nor Ripple has released any official statement confirming the date or reason for her departure.
• Despite this, Aljarrah insisted Rios’ exit was a positive development, arguing that she had fulfilled her responsibilities as part of a larger agenda.

XRP’s Path Not a Mystery

Notably, Aljarrah presented these opinions in a post on X amid the ongoing market struggles. For context, XRP has been going through a rough patch price-wise as the broader crypto market faces a difficult period. However, individuals like Vandell Aljarrah have maintained their focus on the larger goal. 

Some of these individuals believe XRP is gradually moving toward assuming an important role in the global financial system. The exact details of how and when this happens remain speculative, but most of these voices highlight XRP’s function as a bridge asset as their primary motivation.

Aljarrah’s latest comments about XRP’s path being clear for all to see come as these discussions have dominated the XRP community. While the market pundit failed to provide further details about what he meant, the post pointed back to something he had shared in January 2025.

Rios’ XRP Commendation

For context, the January 2025 post from Aljarrah included remarks from Rosie Rios, a former U.S. Treasurer who stepped onto Ripple’s board of directors in May 2021 after serving as the United States’ 43rd Treasurer from 2009 to 2016. 

The remarks came from a video of her speaking at a past Global Business Summit. In her appearance, Rios explained why she chose to join Ripple’s board, and her reason revolves around the practical value she saw in XRP. 

For those who may not know,

Rosie Rios, the 43rd Treasurer of the United States Treasury, joined Ripple's board of directors,

Her LinkedIn description once referred to her as a "currency designer",

Her name is printed on your $100 bill,

Ladies & gentlemen, XRP is a… pic.twitter.com/5J0kdRUKE8

— Vandell | Black Swan Capitalist (@vandell33) January 25, 2025

While speaking, she highlighted the attention the entire crypto industry had continued to receive and confirmed her connection to the space through her board role at Ripple.

Interestingly, Rios linked Ripple and XRP together. She said her decision to join the board came from the fact that XRP has a real and specific purpose, acting as a tool that makes cross-border payments faster and far less expensive. 

She pointed out a difference between XRP and what she described as arbitrary stores of value with no real backing, arguing that XRP represents something legitimate financial institutions actually use. 

Aljarrah’s Take on Rios Leaving the Ripple Board

Meanwhile, recent data suggests Rios is no longer part of Ripple’s board. At press time, Ripple’s official leadership page lists its board as Chris Larsen serving as Executive Chairman, Brad Garlinghouse as CEO, and Anja Manuel, Sandie O’Connor, David Schwartz, Warren Jenson, and Masashi Okuyama rounding out the rest. 

Rios is absent from that list, and available information suggests she stepped down around January 2026. Ripple has not released any official statement confirming the exact date or reason for her departure.

When Aljarrah addressed the fact that Rios had left Ripple’s board, he argued that it was bullish. He suggested that she may have left because she had completed whatever tasks she had been brought on to handle as part of a bigger agenda. However, he failed to provide any further context on this.

It is important to note that neither Ripple nor Rios has publicly explained her exit. Some community discussions have suggested that her role had to do with helping Ripple maintain credibility during its legal dispute with the SEC, but all these speculations lack any confirmation from an official source.