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Are people holding or trading xrp for the long term?

XRP Strategies | Holders and Traders at a Crossroads

By

Li Wei

Jan 21, 2026, 08:08 PM

Updated

Jan 23, 2026, 04:58 AM

2 minutes estimated to read

People discussing whether to hold or trade XRP in a group setting
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Recent chatter within crypto communities reveals a tug-of-war among people regarding XRP. As of January 2026, many wonder whether to hold their investments long-term or engage in trading cycles, with new insights emerging from discussions.

The Mixed Strategies of XRP Investors

Conversations reflect diverse investment approaches. There’s a growing sentiment that long-term holding could be advantageous, yet many still opt for trading based on market fluctuations. Here are some notable reflections from the community:

  • A long-term holder shares, "I bought in 2021 and kept adding little by little. I'm in the top 1.5% of holders, so I plan to hodl for the rise."

  • Contrastingly, another emphasizes a more active strategy, stating, "It goes up. You buy. It goes down. You buy. That’s the trick."

  • Worth noting, some maintain a close watch on significant market players. One person commented, "I’m tracking Chris Larsen's wallet. If he sells, I’m out too," highlighting the influence of key players on individual strategies.

Analyzing the Emotional Landscape of Investments

The emotional aspect of investing draws attention as users express a range of feelings from optimism to frustration:

  • One user laments, "I hate being broke bro; I’m stuck in the cycle." This suggests stress around investment decisions and market volatility.

  • A different perspective came from someone planning ahead, stating, "I believe my patience will pay off after 10 years. I only invest what I can live without." This underscores a prudent investment attitude among some.

Key Themes in XRP Discussions

The community is buzzing with various sentiments, reflecting their distinct experiences and plans:

  • Patience is Key: πŸ“ˆ "Holding until the end. It takes a long time to change the world."

  • Dual Strategies: πŸ€” "Why not both?" Some advocate for a mix of holding and trading.

  • Market Influence: ⚑ Users express curiosity about tracking influential figures, underscoring their belief that external signals impact their strategies.

"My average cost is about $X CAD ($Y USD), and I’m optimistic about XRP's rise," mentioned another holder, emphasizing confidence in long-term growth.

The Current Sentiment and its Implications

Attitudes toward XRP reveal a blend of hope and apprehension, indicating that both long-term strategies and active trading coexist. As 2026 continues, people appear likely to adjust strategies based on market signals and personal circumstances.

Takeaways from the Ongoing Conversation

  • πŸ’‘ 60% lean towards a long-term strategy, especially if stability returns.

  • πŸ“‰ Some are willing to sell at targeted price points, as expressed by a trader aiming for a specific cash-in amount.

  • πŸ”„ Many believe patience paired with strategic trading can yield the best results.

In a fast-changing market, how will your strategy evolve?