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Frustrated with XRP? Pundit Explains Why Now Is the Best Time to Understand What You’re Holding

Abdulkarim Abdulwahab
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Frustrated with XRP? Pundit Explains Why Now Is the Best Time to Understand What You’re Holding

XRP continues to see subdued price performance despite bullish fundamentals. Amid these conditions, some in the community are urging patience, not panic.

A recent post from XRP commentator “All Things XRP” emphasized the token’s long-term value proposition. He argued that the current frustration might indicate investors are still early.

XRP’s Slow Moves, Growing Doubts

The message begins by acknowledging the growing frustration across the XRP community. Price action has remained largely stagnant despite Ripple’s global partnerships and high-level integrations.

While XRP has been up 5.12% over the past month, the coin is still down 27% in the last 90 days. During this period, XRP has seen major business and regulatory announcements that many believe should have pushed the price to a new all-time high. 

Instead, the impact has been minimal. This lack of movement has renewed frustration among holders.

The System Is the Problem, Not XRP

Meanwhile, prominent voices in the community, such as All Things XRP, argue that there’s no need for anxiety. He reminded investors of the fundamental reason they are holding XRP.

Specifically, All Things XRP pointed to recent remarks from Eric Trump, son of pro-crypto U.S. president Donald Trump.

In a CNBC interview, Eric Trump criticized the inefficiencies of traditional banking. He described SWIFT as “an absolute disaster” and highlighted the outdated architecture of legacy systems.

Eric emphasized that the current financial system is slow, broken, and expensive to use. He cited how users often worry when making transfers on a Friday, wondering if the transaction will clear before the 4 PM cut-off.

He also shared the example that it could take up to 120 days to get a mortgage from a bank that a customer has used for 25 years, a delay that can crush dreams.

Eric added that while traditional bank transfers come with high fees, delays, and uncertainty, decentralized finance (DeFi) offers speed, transparency, and low costs.

He concluded by warning that if banks don’t adapt to the changes ahead, they could be extinct in 10 years.

All Things XRP cited these statements to give XRP holders renewed optimism about the crucial utility the token provides.

Ripple and XRP: The Solution to a Broken System

Ripple’s mission, powered by the XRP Ledger, directly addresses the systemic flaws in SWIFT and other outdated systems. From cross-border payments to tokenized asset transfers, XRP is positioned as a tool to modernize a broken financial infrastructure.

The commentator emphasized that the XRP community isn’t just holding a token; they’re holding a piece of the future. And that future is slowly developing.

Patience Is the Price of Being Early

The post concludes with a message of resilience. It stressed that this isn’t the time to panic over XRP’s price. Instead, it’s the time to “understand what you’re really holding.”

Other community pundits share this view. Some even speculate that XRP’s lackluster performance may be a deliberate ploy to shake out retail investors. Based on this speculation, they urge patience.

Michael Saylor Says Bitcoin Will Hit $10M Before Financial Advisors Say It Is a Good Idea

Mark Brennan
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Michael Saylor Says Bitcoin Will Hit $10M Before Financial Advisors Say It Is a Good Idea

Michael Saylor has suggested that Bitcoin would have reached seven to eight figures before mainstream professional advisors start to embrace the asset.

Bitcoin’s adoption is expanding at an astronomical rate globally. The pioneering cryptocurrency has transcended its earlier status as a bubble to inclusion in the reserve assets of prominent institutions and is now scaling towards national adoption.

Interestingly, its price has also increased in tandem with this traction, with Bitcoin surging from its low of around $19,000 following the 2022 market crash to an all-time high of $109,000. While these statistics look impressive, a recent analysis has highlighted that Bitcoin still has more ground to cover, especially among top-tier wealth managers.

Over $31T in Wealth Still Locked Away from Bitcoin

Crypto investment firm Tephra Digital shared interesting statistics on exposure to Bitcoin among top US wealth managers. The research tracked the disposition of professional financial advisors toward Bitcoin spot exchange-traded funds, which were launched over a year ago.

While the investment vehicles experienced astronomical traction in their first full year, with the BlackRock Bitcoin ETF becoming the most successful ETF launch in history, a considerable number of top-tier wealth managers still either restrict or entirely prohibit clients from buying Bitcoin. Specifically, over $31 trillion in wealth is still inaccessible to Bitcoin in the United States.

Meanwhile, the data, which Tephra drew from direct conversation with financial advisors, highlighted that inflows worth a staggering $10.32 trillion are locked away due to exposure prohibitions. Notable wealth managers in this category include Vanguard, Edward Jones, and Citibank.

Furthermore, the Bitcoin ETFs would have had access to nearly $21 trillion in wealth had some prominent firms not placed an embargo on exposure to the product. For perspective, while financial advisors like Morgan Stanley, JP Morgan, and Goldman Sachs have allowed exposure to Bitcoin ETFs, they have restricted exposure by requiring clients to meet specific criteria.

Bitcoin ETF Exposure Among Top US Wealth Advisors

Michael Saylor Suggests Inexposure Will Cost Top Clients

Reacting to the data, the Strategy chairman insisted that before financial advisors rescind from the cautious Bitcoin adoption, the asset would have surged extensively. In his words, Bitcoin would have already hit $1 million at the time wealth managers say it’s okay to buy and $10 million when they recognize the cryptocurrency’s exceptional qualities.

The comment highlighted Bitcoin’s potential for growth and how early adoption would benefit its holders. According to Saylor, waiting for prominent wealth managers to thoroughly recommend the asset before exposure could be detrimental.

Nonetheless, easing regulatory policies and a friendlier environment in the United States could be a game changer in mainstream Bitcoin adoption. Under the Trump administration, the industry has made significant advances, with crypto and stablecoin frameworks already gaining momentum.

Expert Explains “Secret XRP Ledger” Where Banks Reportedly Trade XRP for $1,000+ Per Token

Abdulkarim Abdulwahab
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Expert Explains “Secret XRP Ledger” Where Banks Reportedly Trade XRP for $1,000+ Per Token

Well-known XRP commentator All Things XRP has triggered renewed discussion about the existence of a “secret” version of the XRP Ledger, where banks are reportedly moving billions of dollars.

While often dismissed as mere speculation, the analyst argued that this so-called “secret ledger” is not a conspiracy. Instead, he emphasized that it is real and fully documented.

Ripple’s Private Ledger

Specifically, the commentator noted that back in 2021, Ripple officially launched a CBDC Private Ledger. This ledger is a separate, closed version of the public XRP Ledger.

The private ledger is specifically for central banks. It offers privacy, compliance, and national-scale currency issuance. All Things XRP stressed that this version of the XRP Ledger does not rely on XRP and is entirely isolated from the public network.

Sources such as Ripple’s blog confirm the existence and purpose of this ledger. It offers the same core performance as the public XRP Ledger—fast settlements and scalable throughput. However, it operates behind closed doors to meet the needs of governments and financial institutions.

No, XRP Isn’t $1,000 on a Secret Exchange

Notably, speculation has long circulated within parts of the XRP community that XRP trades at $1,000 or more on the private ledger. Interestingly, one former London fund manager used this narrative to explain why XRP’s price has remained “low” for years. He even speculated about a future merger of the ledgers to unify the XRP price.

However, All Things XRP cited Ripple CTO David Schwartz, who has repeatedly debunked this narrative. Specifically, there is no dual pricing mechanism for XRP. Moreover, the CBDC Private Ledger does not use XRP at all. 

Essentially, there is no secret market where banks are buying XRP at inflated prices while retail traders are left behind.

All Things XRP added that while this may disappoint some conspiracy theorists, the existence of Ripple’s private ledger is still a significant development.

Specifically, it highlights Ripple’s real-world partnerships with central banks and positions its technology as a foundation for future CBDC infrastructure. This strengthens Ripple’s enterprise utility case, just not in the way some speculative investors might hope.

Makes No Sense for XRP to Sell Cheap and High Simultaneously

Ultimately, All Things XRP concluded that while a private XRP ledger exists to facilitate large institutional flows, it is not “secret,” and XRP is not trading at higher prices elsewhere. 

Moreover, it would be irrational for any entity, including banks, to pay a premium for a commodity they could easily purchase at a lower price on the public market. This argument further challenges the belief that XRP could be selling at a premium to institutions while retail investors are holding bags with lower prices.

Coinbase Now Enables US Users to Borrow Up to $1M Against Bitcoin Holdings

Albert Brown
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Coinbase Now Enables US Users to Borrow Up to $1M Against Bitcoin Holdings

Coinbase’s Bitcoin-backed lending feature is now available to eligible users across the United States, excluding New York. 

The exchange made the announcement on April 30 via social platform X. It confirmed that customers can borrow up to $1 million in USDC against their Bitcoin holdings.

By allowing users to access liquidity without selling their Bitcoin, the platform aims to offer a flexible solution for both planned and unexpected expenses.

Flexible Terms and Instant Access

According to Coinbase, the product allows users to unlock the value of their Bitcoin holdings while avoiding taxable events. Upon initiating a loan, the customer’s Bitcoin is immediately converted into cbBTC, Coinbase’s wrapped version of BTC, which is later deposited into Morpho.

Morpho is a decentralized lending protocol deployed on Base, Coinbase’s Ethereum layer-2 network. The requested funds are then released in USDC, providing nearly instant access to capital.

Customers can borrow up to $1 million without fixed repayment schedules, and loan terms remain open-ended. The company emphasized that rates could be as low as 5%, which it reported is about half the cost of similar crypto-backed loan offerings. 

Since launch, customer demand has resulted in over $100 million in USDC borrowed within the first 100 days. While the current rollout targets U.S. customers outside New York, Coinbase confirmed that it plans to expand the Bitcoin-backed loan offering to international markets. 

Bitcoin Yield Fund for Institutions

In parallel with its loan expansion, Coinbase Asset Management also revealed the debut of a new Bitcoin Yield Fund, targeting non-U.S. institutional investors. The fund officially launches on May 1 and seeks to generate annualized net returns between 4% and 8%, payable in Bitcoin. 

Unlike staking mechanisms used in Ethereum or Solana, the fund will rely on a cash-and-carry trading strategy. This approach takes advantage of pricing gaps between spot Bitcoin and perpetual futures contracts.

This yield opportunity may increase during Bitcoin price surges. However, Coinbase acknowledged that returns could fall—or even turn negative—during periods of price decline.

Investors will deposit Bitcoin to participate and can withdraw their holdings monthly. Coinbase and other qualified custodians will hold assets, and the fund will offer a passive way to generate Bitcoin-denominated returns.

10T Holdings Founder Reveals Why Investors Are Anticipating XRP ETF Launch

Lele Jima
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10T Holdings Founder Reveals Why Investors Are Anticipating XRP ETF Launch

Dan Tapiero, the founder of 10T Holdings, recently commented on the immense anticipation around the launch of spot XRP ETFs in the United States. 

Tapiero made this disclosure during a recent interview. A popular XRP community figure known by the pseudonym ‘SMQKE’ shared an excerpt of Tapiero’s remark, particularly focusing on his XRP ETF commentary. 

Why Investors Are Anticipating XRP ETF 

According to Tapiero, many investors are looking forward to the launch of the XRP ETF because it is ‘Made in America.’ His reasoning stems from the fact that XRP is closely affiliated with Ripple, a crypto payments company headquartered in San Francisco. 

XRP’s affiliation with Ripple makes many, like Tapiero, believe it is homegrown compared to Bitcoin and Ethereum, which many consider offshore assets. In Tapiero’s view, XRP’s domestic pedigree makes it attractive to investors looking to invest in ‘Made in America’ financial instruments, including an ETF. 

As a result, the founder of 10T Holdings suggests that many people are anticipating the launch of XRP ETFs. 

Current Status of XRP ETF  

For context, the SEC is still reviewing 11 applications for spot XRP ETFs. The regulator recently postponed its decision on Franklin Templeton’s XRP ETF filing, which is now due next month. 

Nonetheless, Bloomberg ETF analyst James Seyffart suggests that the SEC has a final deadline of October 17 to decide whether to approve the multiple XRP ETF applications on its desk. 

In the meantime, optimism remains high that at least one XRP ETF will be approved this year. Specifically, Bloomberg experts set its chances at 85%. 

This optimism is due to multiple factors, including the potential resolution of the Ripple lawsuit, XRP’s non-security classification, and its regulated futures product. 

Tapiero Respects XRP’s Survival Ability 

Further, Tapiero noted that even though he is not a big fan of XRP, he still respects the coin’s ability to survive. It is common knowledge that XRP ensured a lengthy legal tussle between the SEC and Ripple, which commenced in late 2020. 

During the peak of the lawsuit, the coin lost a significant chunk of its value, especially as several U.S. trading platforms like Coinbase delisted it.

However, these platforms re-listed XRP in July 2023 after a New York federal judge declared XRP a non-security. Despite this, XRP’s price still struggled until after the 2024 U.S. election, which led to the emergence of pro-crypto advocate Donald Trump as President. 

At the time, the news of the former SEC chairman resigning and a potential resolution of the lawsuit against Ripple led to the massive XRP price spike. Specifically, the coin hit $3.34 on January 20, the same day Gary Gensler resigned.

Although XRP has plunged 34.43% to $2.19, market watchers still expect remarkable surges to lofty targets this year. This projection is due to the positive developments surrounding XRP. They include its potential inclusion in the U.S. crypto stockpile and the imminent resolution of the Ripple lawsuit. 

10T Holdings Founder Praises Ripple CEO 

Meanwhile, the 10T Holdings founder praised Ripple’s CEO, Brad Garlinghouse, for his ‘hard work’ on behalf of the broader crypto industry. Tapiero particularly cited his pushback on the Gary Gensler-led SEC’s enforcement stance. 

He also commended the Ripple CEO for cultivating relationships with President Trump before and after the election. The relationship likely helped soften the crypto industry’s regulatory challenges and opened the road for ETF approval. 

As Bitcoin Surpasses Silver, Analyst Says Cardano is the Network to Unlock Bitcoin DeFi

Mark Brennan
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As Bitcoin Surpasses Silver, Analyst Says Cardano is the Network to Unlock Bitcoin DeFi

A market expert and Cardano community commentator believes Cardano is set to enable secure Bitcoin DeFi through ongoing integrations.

Notably, Bitcoin ended April on a strong note, climbing from below $75,000 to over $95,000 by month’s end. Despite a sideways trajectory over the past week, the crypto recorded a 14% monthly gain, recently surpassing silver in market cap. 

Interestingly, this feat has stirred attention, particularly in light of emerging developments linking Bitcoin and Cardano in the decentralized finance space.

Bitcoin Surpasses Silver 

Bitcoin’s market capitalization reached $1.872 trillion by the end of April, narrowly exceeding Silver’s $1.847 trillion, according to data cited by Dan Gambardello, a Cardano community figure and founder of Crypto Capital Venture. 

However, Gambardello also pointed to a potential development that could help Bitcoin maintain or extend its lead over other assets. 

He identified Cardano as the blockchain expected to unlock a secure framework for Bitcoin DeFi. This assertion aligns with an ongoing partnership between Cardano’s development arm, EMURGO, and BitcoinOS, which began last year. The initiative focuses on enabling smart contract capabilities for Bitcoin developers, using Cardano’s network infrastructure and Bitcoin’s massive liquidity.

Cardano Toward Multi-Chain Capabilities

Notably, Cardano’s Lace wallet recently released version 1.22, introducing initial support for Bitcoin to demonstrate this development. This marks the wallet’s first step into becoming a multi-chain interface, allowing beta users to store and manage Bitcoin directly. 

The Lace development team described the upgrade as significant, while Cardano founder Charles Hoskinson acknowledged the milestone on social media, confirming Bitcoin interaction is now possible via the wallet.

Building on this momentum, Cardano is preparing for a major demonstration at the 2025 Bitcoin conference. Hoskinson is set to present the first live integration of Bitcoin functionalities on the Cardano blockchain. According to him, the process is progressing efficiently without requiring a governance vote.

Notably, the integration of Bitcoin liquidity with Cardano’s infrastructure would have a symbiotic impact on both assets.

Impact of Bitcoin DeFi on Cardano’s Valuation

Cardano decentralized representative Altcoin Oracle shared an outlook related to the ongoing integration. The DRep consulted ChatGPT for projections on Cardano’s market cap if it evolves into a leading Bitcoin DeFi provider. The AI forecast placed the market cap between $500 billion and $1 trillion by 2030, driven by institutional interest and liquidity flows.

Altcoin Oracle highlighted that the initiative could extend DeFi services like lending, borrowing, and yield-generation to Bitcoin holders through Cardano’s ecosystem. This aligns with previous remarks by Hoskinson, who stated that DeFi on Bitcoin has the capacity to outperform platforms such as Ethereum and Solana.

Analyst Says Dogecoin Pullback May Be Over, Targets $0.8 ATH Next

Albert Brown
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Analyst Says Dogecoin Pullback May Be Over, Targets $0.8 ATH Next

Trader Tardigrade says Dogecoin pullback may be over, identifying repeated support levels that could take DOGE to a new all-time high.

Dogecoin (DOGE) has shown moderate volatility over the past week, trading between $0.16 and $0.19. The price action saw an initial climb peaking near $0.19 on April 26 before reversing course and dipping to around $0.169 on April 30. 

As of today, the coin recovered slightly to $0.174. Despite these short-term fluctuations, recent technical analysis and on-chain metrics show the possibility of testing previous highs.

Historical Patterns Reinforce Structural Support

For instance, analyst Trader Tardigrade emphasized, in an X post, DOGE’s tendency to establish support at prior swing highs, as seen in a 3-day chart. 

Starting from late 2023, Dogecoin broke through the $0.098 resistance before retracing and validating that level as support in early 2024. This pattern continued in July 2024, where a swing high near $0.145 later acted as support in April 2025.

Specifically, Tardigrade’s chart pointed to February 2025, when DOGE reached a swing high of $0.29 before undergoing a steep correction. Notably, the asset returned to the $0.145 support level, consistent with earlier structural behavior. 

The analyst’s chart also showed that each time DOGE revisited such supports, it produced higher highs leading into new rallies. Following this completed pullback, the next projected resistance sits above $0.23, with a potential move toward $0.80 before another correction. Reaching this level should take Dogecoin above its previous all-time high of $0.73.

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Active Addresses Are Growing 

Reinforcing these technical indicators, data from IntoTheBlock showed a sharp increase in Dogecoin’s network activity. Over the past week, new addresses climbed by 102.40%, while active addresses rose by 111.32%.

Zero balance addresses surged by 155.42%. This spike suggests increased user engagement and transactional interest, which some analysts consider supportive of bullish price action.

Dogecoin Daily Active Addresses
Dogecoin Daily Active Addresses

While the price remains below previous highs, the continuity of this network growth may help sustain DOGE’s current support levels. These trends appear to align with Tardigrade’s structural analysis, particularly regarding price recovery patterns following periods of high activity.

ABC Correction Completion Adds to Bullish Setup

Separately, analyst MasterAnanda offered another technical perspective via TradingView on April 27. The analysis identified a completed ABC correction beginning from Dogecoin’s December 8, 2024, high of $0.4846. The initial wave marked a 46% drop to $0.2626, followed by a 66% rebound to $0.4350. The C-wave then completed with a 70% fall to $0.1298.

Since reaching this local support, DOGE has rebounded significantly. According to MasterAnanda, the asset now trades well below its previous peak and is positioned for an impulsive rally. The projected target is $0.703.

Just a 1% Dogecoin Allocation Can Boost Portfolio Returns Extensively: 21Shares

Elendu Benedict
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Just a 1% Dogecoin Allocation Can Boost Portfolio Returns Extensively: 21Shares

A recent analysis by prominent asset manager 21Shares shows that as little as a 1% allocation to Dogecoin can add meaningful returns to one’s portfolio.

In a research report shared on April 30, 21Shares painted an enticing narrative about Dogecoin’s ability to add a meaningful punch to a portfolio, even with a small composition. The piece highlighted how diversifying a traditional 60/40 portfolio allocation with a modest percentage in Bitcoin and DOGE could significantly impact returns.

Dogecoin Allocation Rewarding, Not Risky

Specifically, the analysis tested this narrative with a Bitcoin-enhanced portfolio, which allocates just 3% to Bitcoin and a meager 1% to Dogecoin in a typical 60/40 portfolio allocation (60% stocks, 40% bonds).

Back-testing this rebalanced portfolio allocation against the previous performances of the four assets yielded rewarding results in all respects. Highlighted metrics, such as cumulative returns, annualized returns, and the Sharpe ratio, increased significantly in the 1% Dogecoin-infused holdings compared to the benchmark.

For context, the cumulative returns in a monthly rebalanced portfolio increased from 32.29% to an impressive 40.89% with just a 1% allocation to Dogecoin. Furthermore, annualized returns also grew from 7.25% to 8.95%, with the percentage on all rebalancing periods trouncing the benchmark.

Portfolio Status With a 1% Dogecoin Allocation

Interestingly, the annualized volatility also increased, but the Sharpe ratio, which measures the risk-adjusted returns of a financial endeavor, saw an uptick. This indicated that, although more volatile, the reward-to-risk ratio increased with the addition of Dogecoin. Conclusively, the research shows that including even a modest percentage of the prominent meme coin in one’s portfolio is more rewarding than risky.

21Shares Projects Dogecoin’s Price

Furthermore, 21Shares projected DOGE’s price expectations by the end of the bull cycle, classifying them into bear, base, and bull cases.

The analysis noted that if DOGE’s post-election jetlag continues, the asset may fail to hit a new all-time high this cycle for the first time in its history. In this bearish scenario, 21Shares predicted just an over 2x surge to $0.38 by the year’s end, citing a sustained 10% compound annual growth rate (CAGR) from its 2021 peak at $0.73.

Nonetheless, it expects Dogecoin to trend near $1 in a base case. Per the report, this over 5.5x return would occur if the global crypto market cap reaches $5 trillion this cycle and DOGE’s market share drops from 4% in the previous cycle to 3%. With its current circulating supply of 149.07 billion and the projected cap of $150 billion, the meme coin would reach $1.00. This would mark a new all-time high.

Meanwhile, the report projected an even better outlook in the best-case scenario. The analysis highlighted that the difference in Dogecoin’s bottom of $0.007 before last cycle’s rally and $0.0585 in this cycle is 189%. If the meme coin mirrors this price action, it would reach approximately $1.42 this cycle, which is over 7 times its current valuation.

Only 1 in 5,000 People Globally Hold XRP: Expert Insists You Are Still Early

Sam Wisdom Raphael
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Only 1 in 5,000 People Globally Hold XRP: Expert Insists You Are Still Early

A prominent XRP community commentator calls attention to XRP’s future potential, insisting current investors are still early.

Despite XRP’s recent struggles, sentiment within its core community remains bullish. The asset has seen a sharp 33% drop from its yearly high of $3.30 recorded in January 2025, currently trading around $2.20. 

However, it still maintains a year-to-date gain of 6%, demonstrating resilience amid a broader market downturn. Amid the current market conditions, experts and prominent community voices argue that XRP is far from reaching its full potential.

XRP Still in Early Growth Phase

Edoardo Farina, founder of Alpha Lions Academy, is one of the voices championing the asset’s long-term outlook. Farina has consistently pushed the narrative that XRP is in its early growth phase, despite being over a decade old. 

In a recent analysis of XRP wallet data, he suggested that the majority of the global population has yet to engage with the token in any meaningful way.

Farina revealed that while there are about 6.4 million XRP wallets, this number does not directly translate to 6.4 million individual holders. 

XRP Rich List Edo Farina on X
XRP Rich List | Edo Farina on X

Only 1 in 5,000 People Globally Hold XRP

Essentially, many users, including himself, own multiple wallets. According to Farina’s disclosure, he personally holds between 20 to 25 XRP wallet addresses. This is part of a diversification and self-custody strategy that most experienced holders commonly practice.

Based on his analysis with aid from AI estimations, Farina asserts that only about 1.5 to 2 million people worldwide actively hold XRP. When he filtered this further to exclude inactive, dust-filled, or custodial exchange wallets, the number of unique holders dropped even lower. 

Notably, he estimates that the true number could be closer to 1 million global holders. Considering the global population of over 8 billion, this would mean that only about 0.018% to 0.025% of people, roughly one in every 4,000 to 5,000, currently own XRP.

The figures indicate what Farina describes as an extraordinary opportunity. According to him, many investors fail to grasp just how early they are in XRP’s adoption lifecycle. Importantly, Farina emphasized that even with its long existence, XRP remains significantly underheld on a global scale.

Farina Wants Investors to Consolidate Their XRP Holdings

Citing further on-chain data, Farina pointed out that 2.6 million wallets contain up to 20 XRP each, barely meeting the network’s minimum reserve requirement. Another 2.5 million wallets hold between 20 and 500 XRP, with an average estimate of around 250 XRP per wallet. 

If XRP’s price ever hit $1,000, a speculative but commonly discussed scenario, holders in this bracket could be looking at gains of $250,000. Still, Farina argues that the number of individuals who will hold long enough to reach such levels is likely very small, possibly only 10% of current holders.

He also highlighted that to be among the top 10% of XRP wallet addresses today, an investor would only need to own about 2,500 XRP. At current market prices, this equates to approximately $5,000. 

Notably, he believes this shows how early adopters still have a chance to position themselves before potential mass adoption occurs. Farina has consistently advocated for this accumulation culture, repeatedly calling on investors to hold at least 10,000 XRP tokens.

According to his latest disclosure, institutional adoption and use cases such as lending XRP to financial entities are still in their infancy. He urged investors to develop long-term strategies and stay committed, especially as mainstream participation remains limited.

From No Chance to Almost Certain: Spot XRP, Dogecoin, Solana, and Litecoin ETFs Poised for 2025 Launch

Lele Jima
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From No Chance to Almost Certain: Spot XRP, Dogecoin, Solana, and Litecoin ETFs Poised for 2025 Launch

Nate Geraci, the President of the ETF Store, highlights how dramatic market expectations for spot crypto ETFs have shifted within a year. 

In a tweet today, Geraci highlighted how there was no spot exchange-traded fund (ETF) for Ethereum just a year ago. At the time, several asset managers had filed to launch spot Ethereum ETFs in the U.S. However, the SEC, under the leadership of Gary Gensler, was reluctant to approve any of the applications.

Amid this, many industry commentators ruled out that spot ETH ETFs had zero chance of approval. This belief stemmed from the SEC’s attempt to label ETH a security following its investigation of Ethereum software development firm ConsenSys. 

If the SEC had successfully given ETH the securities tag, it may not have approved an ETF for the coin. However, the SEC’s approach toward the multiple Ethereum ETFs changed by mid-May 2024, as the regulator actively engaged with the applications. It subsequently approved nine spot Ethereum ETFs from multiple asset managers on May 23, 2024. 

Major Shift in Market Expectations for Altcoin ETFs 

Meanwhile, subsequent filings for altcoin ETFs like Solana emerged, but the SEC refrained from engaging with the applications. The prospective issuers had to withdraw their applications.

Now, under the new SEC leadership, Geraci believes the industry consensus is that the regulator would approve the launch of multiple ETFs tied to blue-chip altcoins like XRP, SOL, DOGE, and LTC this year. 

This marks a major shift from the industry’s expectations a year ago, before spot Ethereum ETFs went live. So far, several asset managers have applied with the U.S. SEC to launch spot ETFs exclusively tied to these altcoins. 

Latest Approval Odds for XRP, DOGE, LTC, and SOL ETFs 

Recent data from Bloomberg ETF analyst Eric Balchunas shows that the possibility of these altcoin ETFs launching before the end of 2025 has increased drastically since February. 

Per the latest data, Litecoin and Solana ETFs have the highest odds of launching this year, with each having a 90% chance. The odds of Litecoin ETFs have remained unchanged since February. However, the approval probability for Solana ETF spiked from 70% to 90% within two months. 

Similarly, XRP ETFs’ approval probability also skyrocketed to 85% in the latest data, up from 65% recorded earlier this year. For Dogecoin ETFs, the probability of these funds launching in 2025 currently stands at 80%, marking an increase from 75% in February.  

This optimism is driven by the SEC’s view of each altcoin as a commodity rather than a security. The altcoins also have separate CFTC-regulated futures products trading in the market. 

Altcoin ETFs approval odds in 2025
Altcoin ETFs approval odds in 2025

Final Deadline 

The data also notes that the SEC must approve or disapprove these altcoin ETFs in Q4 2025, specifically by October 2025. 

The final decision deadline for Litecoin ETFs is October 2, 2025. On the other hand, the Bloomberg data highlights October 10 as the final deadline for the SEC decision on Solana ETFs. XRP and Dogecoin ETFs have the same decision deadline of October 17, 2025. 

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