10-Year XRP Holder Says “Never Been More Obvious Where This Goes”

Joren Lundgren (@joren), founder of Xora Finance, has held XRP for a decade, and has remained confident in the asset.

He wrote in a recent post: “10 years holding $XRP. Never been more obvious where this goes.” For a longtime participant in the XRP ecosystem, that level of conviction after ten years carries some credibility.

Why Long-Term Holders Are Paying Attention

Lundgren has watched XRP through multiple cycles, regulatory battles, and years of price compression. His confidence now is not rooted in speculation. It reflects a shift in the fundamentals around XRP that many in the community agree is real and accelerating.

The responses to his post give a clear picture of where sentiment stands 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 commenter expressed frustration at how much time and effort people invest in spreading fear about XRP. He described the volume of negative content as impressive in its own right. For many holders, the criticism reinforces their belief in the asset.

Another noted that XRP goes where Bitcoin goes, and suggested readers look at the chart for context. However, many analysts have previously pushed back on this, as they expect XRP to surpass Bitcoin and Ethereum.

One voice pushed back on a common talking point, clarifying that RLUSD is the asset doing the actual settlement work, not XRP. This reflects an ongoing debate in the community about XRP’s specific utility role versus Ripple’s stablecoin.

The Catalysts Behind the Conviction

The bullish sentiment in Lundgren’s post and across the replies does not exist in isolation. Several significant developments came out of Ripple’s Swell 2026 conference, held October 27-29 in New York.

The OCC granted final approval to Ripple National Trust Bank. The charter enables RNTB to manage RLUSD reserves and provide institutional digital asset custody. Brad Garlinghouse described it as proof that the crypto market and banks can work better together.

Ripple announced expanded partnerships with Robinhood and BNY. Robinhood plans to use RLUSD on the XRP Ledger for institutional settlement. BNY is broadening its support for tokenized assets issued on the XRPL.

U.S. Treasury Secretary Scott Bessent addressed the conference directly, stating “We are going to win in the digital asset stack.” His presence and comments signaled strong institutional and governmental alignment with Ripple’s direction. For holders like Lundgren, these are the developments that justify a decade of patience.