A core developer active in the XRP Ledger ecosystem, Bird, recently stated that in the context of long-term inflation, XRP has reason to be considered part of a long-term savings allocation, rather than just a short-term trading tool.
Bird pointed out that many people are accustomed to depositing funds into bank accounts with annual yields of about 4% to 6%, believing this method to be stable and reliable, but often overlook the erosion of real purchasing power caused by inflation. The rising costs of food, energy, and other living expenses over the past few years have continuously diminished the real value of fiat currency. Apparent interest growth does not equate to genuine wealth increase.
In his view, allocating part of one’s assets to digital assets like XRP can serve as a hedge against inflation. Unlike traditional savings methods, XRP has the feature of self-custody, allowing users to directly control their assets through cold wallets, reducing reliance on the banking system. This is especially important in long-term planning.
Bird also reviewed the challenges XRP faced previously. He believes that legal and regulatory uncertainties over the past few years suppressed the market’s valuation of XRP, while during this period, the technology and applications of the XRP Ledger continued to advance. As the environment becomes clearer, the market is beginning to reassess its long-term potential.
He mentioned that the implementation of cross-border payment scenarios, institutional interest in XRP-related ETFs, the development of stablecoins like RLUSD, and the on-chain integration of real-world assets are continuously strengthening XRP’s practical use cases. Logically, increased utility often leads to more stable long-term demand.
Overall, Bird views XRP as a long-term, future-oriented asset allocation rather than a short-term speculative target. While this is not investment advice, this perspective is representative within the XRP community and reflects the growing market focus on “long-term value” and “inflation-resistant assets” in 2026.
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