Longtime XRP Investor Convinced Future Direction is Extremely Clear

Xora Finance founder Joren Lundgren (@joren) has maintained his confidence in XRP throughout a decade of holding the asset.

In a recent post, he shared: “10 years holding $XRP. Never been more obvious where this goes.” For an XRP ecosystem participant of ten years, holding onto that level of conviction carries genuine credibility.

Why Long-Term Holders Are Paying Attention

Having navigated multiple market cycles, regulatory battles, and years of compressed prices, Lundgren’s current outlook stems from more than mere speculation. It highlights a genuine and accelerating shift in the fundamentals surrounding XRP that resonates with many in the community.

The replies to his message offer a clear window into prevailing community sentiment.

10 years holding $XRP.

Never been more obvious where this goes.

— Joren Lundgren (@joren) October 31, 2026

How the Community Responded

One community member voiced frustration over the immense time and energy critics spend generating fear around XRP, describing the massive volume of negative content as impressive on its own. For numerous holders, this relentless criticism only solidifies their conviction.

Another participant noted that XRP generally tracks Bitcoin’s movements, pointing observers to the price charts for context. Conversely, many analysts have historically argued against this dynamic, anticipating that XRP will surpass Bitcoin and Ethereum.

Additionally, one voice pushed back on a frequent narrative by emphasizing that RLUSD handles the actual settlement processes rather than XRP itself. This highlights a persistent internal debate regarding the distinct utility of XRP compared to Ripple’s stablecoin.

The Catalysts Behind the Conviction

The optimism expressed by Lundgren and other commenters does not occur in a vacuum, arriving alongside major announcements from Ripple’s Swell 2026 conference, which took place from October 27 to 29 in New York.

During the event, the OCC provided final approval to Ripple National Trust Bank. This newly acquired charter allows RNTB to oversee RLUSD reserves and deliver institutional-grade digital asset custody. Brad Garlinghouse pointed to this milestone as evidence that traditional banking and the crypto market can collaborate effectively.

Furthermore, Ripple revealed broader collaborations with BNY and Robinhood. Robinhood plans to utilize RLUSD on the XRP Ledger for institutional settlement purposes, while BNY is expanding its backing for tokenized assets hosted on the XRPL.

U.S. Treasury Secretary Scott Bessent addressed the conference directly, declaring, “We are going to win in the digital asset stack.” His remarks and appearance pointed to clear institutional and governmental synergy with Ripple’s strategic vision. For long-standing holders like Lundgren, milestones of this magnitude validate ten years of patience.

Frequently Asked Questions

Who is Joren Lundgren?

Joren Lundgren is the founder of Xora Finance and a 10-year holder of XRP who recently shared his strong long-term conviction in the asset on social media.

What major developments were announced at Ripple’s Swell 2026 conference?

Key announcements included the OCC granting final approval to Ripple National Trust Bank, expanded partnerships with Robinhood and BNY involving the XRP Ledger and RLUSD, and remarks from U.S. Treasury Secretary Scott Bessent.

What is the role of RLUSD in relation to XRP?

RLUSD is Ripple’s stablecoin used for institutional settlement on the XRP Ledger, sparking ongoing community discussions about its specific utility compared to the XRP token.

What did U.S. Treasury Secretary Scott Bessent say at the conference?

Scott Bessent stated during his direct address to the conference, “We are going to win in the digital asset stack.”