According to a post by cryptocurrency investor Bernice, known by the account @crypto__peach, she intends to hold XRP for eight years. At 32, she hopes this strategy will provide financial independence as she approaches 40.

Her statement quickly garnered attention in the XRP community. Many users shared their thoughts, from optimistic to cautionary, while others shared examples from their own journeys.

Community Divided Over Long-Term XRP Strategy

An investor revealed that he retired at 45 after early investment in XRP, noting that he is now 49. His example highlights the potential of holding continuously combined with favorable market conditions.

A community member suggested that Bernice should accumulate before prices fluctuate sharply. Other users also advised this, noting that establishing a strong position early is crucial.

An investor also mentioned his XRP investment in 2017, when he bought it for $0.20. He added that the asset he held in his portfolio eight years ago is now trading near $3, demonstrating the power of patience.

There were also doubts, with some responses warning those considering using XRP for early retirement that this could be a risky move. They argued that other tokens have better chances for financial independence.

Market Position and Prospects of XRP

XRP continues to maintain strong growth in 2025, holding above $2 despite significant downward pressure across the board. Recently, the price reached a new high of $3.65, raising speculation about further price increases.

The long-standing legal dispute resolution between Ripple and the SEC has brought new momentum to the market. After resolving appeals, XRP has better management prospects than most other cryptocurrencies.

Cross-border payment execution, urgent infrastructure integration, and increased regulatory transparency are some key factors in the development of XRP. These factors could determine the ability of long-term XRP holders, like Bernice, to achieve their goals.

Whale Activity Drives Market Growth

According to blockchain data, more than $50 million worth of XRP flowed into Coinbase. Whale Alert reported that 16,594,920 XRP, worth $50,715,884, was transferred from an unidentified wallet to the exchange at once.

This transfer correlates with the increased activity of whales in XRP due to recent developments in the lawsuit between Ripple and the SEC. Market sentiment also improved as Fed Chair Jerome Powell hinted at possible interest rate cuts in September, causing XRP's price to rise nearly 8% at one point.

Bernice's plan reflects both personal ambition and the broader community debate about the future of XRP. While some believe early retirement is feasible, others continue to warn, noting the volatility of long-term cryptocurrency investments.

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