‘Only Way to Make Money With XRP,’ Veteran Investor Explains How

Crypto investor Murad believes holding crypto like XRP for the long term is a better way to make money than frequently trading or switching between coins.

Murad, who says he has been investing in crypto since 2013, shared his views on X. He said traders are unlikely to consistently make money by trying to predict the market, switching between coins, or profiting from short-term price moves.

“You won’t make money trading, rotating or market timing,” Murad wrote. He believes holding crypto for several years is the most sustainable way to build wealth.

His comments offer a different perspective on XRP, especially as traders look for the next event to drive its price higher.

XRP is a Crypto With a Strong Community

Murad says a crypto’s success is not only about its price. He believes having a strong and loyal community is also very important.

He says cryptocurrencies with supporters who hold and buy them for years may have an advantage over coins whose investors quickly move from one trend to another.

Murad named Bitcoin, XRP, Dogecoin, Chainlink, Cardano, Solana, and Zcash as examples of cryptocurrencies with strong communities.

He described these communities as an “Army” of supporters. He said they often strongly believe in the asset, continue buying it, attend events, and make the cryptocurrency an important part of their identity.

XRP has one of the more well-known communities in crypto. Its supporters often talk about long-term adoption, Ripple’s payment business, and the XRP Ledger.

HODLing Is Better Than Market Timing

Murad believes holding crypto for the long term is better than constantly buying and selling. He argued that a Bitcoin investor who simply held through several market cycles would have made more money than many traders who repeatedly tried to predict price movements.

The main problem with trading is that it is difficult to know exactly when to sell one crypto and when to buy another before the market changes.

This idea supports holding XRP through different market cycles instead of selling whenever the price rises and trying to buy back at a lower price.

Bitcoin Data Shows Only a Few Strong Days Drive the Biggest Returns

Meanwhile, the concept of spending time in the market rather than timing the market is well established. Earlier this month, The Crypto Basic published an article showing how a handful of explosive trading days can significantly influence BTC’s monthly performance.

For instance, while Bitcoin gained 24.9% in August 2026, excluding its four best days reduced the gain to just 0.5%. In November 2024, a 37.1% monthly gain dropped to 4% after removing those days.

During earlier rallies, such as in March 2023, an overall 23.2% monthly gain became a loss of 8.3% when the best days were missed. The situation was far worse in December 2017, when the monthly gain of 39.3% dropped to -22.6%.

Essentially, the data highlights the risk of trying to time short-term moves. The takeaway echoes the familiar investing principle: time in the market matters more than timing the market.

Meanwhile, holding for years also carries risks, especially when prices fall for long periods, and there is no guarantee that an asset will recover. Many coins are still trading below their 2017 peaks, and XRP is one of them.