Comments from celebrities XRP The ledger developer has sparked a debate about how people should think about saving in an era of inflation and digital assets.
Bird, the developer of the XRPL-based meme coin DROP, recently tweeted: XRP You are more of a genius than your bank account. The statement reflects the consistent views he has shared about the long-term role of government. XRP In personal finance.
Important points
Ann XRP Ledger developers say they have more XRP It shows more financial foresight than a bank deposit.
He argues that bank rates often fail to beat inflation, eroding real purchasing power.
With deregulation, XRP It has increasing utility in the fields of payments, stablecoins, and tokenization.
Long-term holder perspective XRP Not as a short-term transaction, but as a future financial infrastructure.
XRP Comparison with traditional savings
Bird has repeatedly questioned the assumption that keeping money in a bank automatically guarantees financial security. In previous comments, he explained that many savings accounts have annual interest rates of around 4% to 6%, which may look attractive on paper but often fail to outpace actual inflation.
In his view, day-to-day costs continue to rise faster than savings, meaning purchasing power is quietly declining over time. In this context, he argues that traditional fiat savings can create a false sense of progress, even though people are gradually falling behind.
This perspective is the basis of his belief in holding assets that: XRP It may make more sense for long-term store of value.
From legal pressure to utility growth
As Bird also points out, XRP It has been under significant pressure for years due to regulatory uncertainty, limiting its price performance despite continued development. During that period, XRP Ledger continues to expand and lay the foundation for future use cases.
Now that the regulations are mostly clear, he believes the focus is returning to the basics. These include: XRP‘s role in cross-border payments, increasing interest from institutional investors, activity in stablecoins such as RLUSD, and increased attention to the tokenization of real-world assets around the world. XRP ledger.
From this perspective, Byrd thinks: XRP Not as a short-term transaction, but as an asset tied to a global financial infrastructure.
XRP as long-term savings
Byrd said he is privately treating XRP As a long-term holding. He frequently highlights self-storage, cold storage, and reduced dependence on banks as key benefits. In his view, owning digital assets directly could offer more control than storing funds in accounts that struggle to hold their value against inflation.
This idea aligns with common sentiment within organizations. XRP The community believes that long-term utility and adoption are more important than short-term price fluctuations.
Views shared by others XRP voice
Figures like Eduardo Farina argue that serious investors should aim to own at least 1,000 shares. XRPconstitute it as a minimal position for meaningful long-term exposure. Other researchers have gone further, suggesting that larger holdings may someday support early retirement. XRP It will play an important role in the future financial system.
While such predictions remain speculative, they highlight long-term aspirations. XRP The holder can achieve financial freedom through the asset.
This view assumes continued adoption and improved utility are maintained. XRPshows long-term relevance in global finance and causes significant price increases.
