Top Developer Says XRP Should Be Part of Long-Term Life Savings Plans

A prominent XRP Ledger developer has suggested that XRP deserves a place in long-term savings planning as inflation continues to erode the value of traditional fiat currencies.

Bird, the developer behind the XRPL-based meme coin DROP, shared his perspective in a post on X. His commentary compared conventional bank savings with long-term ownership of digital assets.

Inflation Is Quietly Eating Into Traditional Savings

Bird pointed out that many people feel secure keeping money in banks that offer annual interest rates of around 4–6%. However, he argued that inflation is often ignored in these calculations.

According to him, while savings balances may increase on paper, their real purchasing power continues to decline over time. Everyday items such as food and drinks now cost significantly more than they did years ago. This outcome highlights how fiat currencies like the U.S. dollar and British pound have steadily lost value.

Bird believes many savers are unknowingly standing still or falling behind financially, despite feeling “safe” with traditional savings accounts. Accordingly, he urges the investing public to consider XRP as part of their life-saving plans as an inflation hedge.

XRP Long Road Through Uncertainty

The developer noted that XRP spent years under pressure due to legal uncertainty, which limited price performance despite technological development behind the scenes.

During that period, the XRP Ledger continued to evolve, and with regulatory clarity now in place, Bird says the market can finally see what is being built and why it matters.

He highlighted several developments he believes strengthen XRP’s long-term outlook. These include use in cross-border payments, institutional interest via ETFs, the emergence of stablecoins like RLUSD, and the tokenization of real-world assets on-chain.

In his view, rising utility naturally attracts capital, and as usage grows, so does long-term demand for the asset, helping the price soar.

Short-Term Trades to Long-Term Holding

Notably, Bird said he personally views it as a long-term savings vehicle. He stressed the ability to self-custody XRP, store it in cold wallets, and reduce reliance on traditional banking systems.

He contrasted this approach with earning low interest rates that struggle to keep pace with inflation, arguing that holding an asset tied to global financial infrastructure may offer greater long-term value.

Bird concluded by stating his belief that XRP is set to become one of the most widely used digital assets in the world. From his perspective, building a long-term position now could prove meaningful over the decades for family, future security, and wealth preservation.

While his comments reflect a personal view rather than financial advice, they align with a popular sentiment within the XRP community that utility, adoption, and real-world integration may matter more than short-term price moves. Proponents see XRP price reaching historic heights over the next few years.

As Bird puts it, “think about it.”