Xora Finance founder Joren Lundgren (@joren) has maintained his confidence in XRP throughout a ten-year holding period.
In a recent post, he stated: “10 years holding $XRP. Never been more obvious where this goes.” For someone who has participated in the XRP ecosystem for this long, such strong conviction after a decade carries significant weight.
Why Long-Term Holders Are Paying Attention
Having observed XRP through multiple market cycles, regulatory challenges, and prolonged periods of price compression, Lundgren’s outlook is not based on mere speculation. Instead, it highlights an evolution in XRP’s fundamentals that many community members view as genuine and accelerating.
Reactions to his message illustrate the prevailing sentiment across the XRP community.
10 years holding $XRP.
Never been more obvious where this goes.
— Joren Lundgren (@joren) October 31, 2026
How the Community Responded
One user expressed frustration regarding the amount of time and energy critics spend generating fear surrounding XRP, describing the sheer volume of negative material as impressive. For numerous holders, this continuous criticism simply validates their faith in the digital asset.
Another participant noted that XRP tends to follow Bitcoin’s price trajectory, advising observers to check the chart for perspective. Conversely, many analysts have historically argued against this trend, anticipating that XRP will surpass Bitcoin and Ethereum.
A different commenter pushed back against a frequent narrative, pointing out that RLUSD handles the actual settlement processes rather than XRP. This highlights an ongoing discussion within the community regarding XRP’s exact utility compared to Ripple’s stablecoin.
The Catalysts Behind the Conviction
The optimism seen in Lundgren’s message and the accompanying replies does not exist in a vacuum, as several major milestones emerged from Ripple’s Swell 2026 conference, hosted in New York from October 27 to 29.
The OCC granted final approval to Ripple National Trust Bank, a charter that allows RNTB to oversee RLUSD reserves and deliver institutional digital asset custody services. Brad Garlinghouse pointed to this development as evidence that traditional banking and the crypto sector can collaborate more effectively.
Additionally, Ripple unveiled broader collaborations with BNY and Robinhood. Robinhood plans to utilize RLUSD on the XRP Ledger for institutional settlements, while BNY is expanding its support for tokenized assets built 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 attendance underscored a powerful alignment between government institutions and Ripple’s strategic vision, validating ten years of patience for investors like Lundgren.