10-Year XRP Holder Says “Never Been More Obvious Where This Goes”

He wrote in a recent post: “10 years holding $XRP. Never been more obvious where this goes.” For a longtime participant in the XRP ecosystem, that level of conviction after ten years carries some credibility.

Why Long-Term Holders Are Paying Attention

Lundgren has watched XRP through multiple cycles, regulatory battles, and years of price compression. His confidence now is not rooted in speculation. It reflects a shift in the fundamentals around XRP that many in the community agree is real and accelerating.

The responses to his post give a clear picture of where sentiment stands across the XRP community.

How the Community Responded

The Catalysts Behind the Conviction

The bullish sentiment in Lundgren’s post and across the replies does not exist in isolation. Several significant developments came out of Ripple’s Swell 2026 conference, held October 27-29 in New York.

The OCC granted final approval to Ripple National Trust Bank. The charter enables RNTB to manage RLUSD reserves and provide institutional digital asset custody. Brad Garlinghouse described it as proof that the crypto market and banks can work better together.

Ripple announced expanded partnerships with Robinhood and BNY. Robinhood plans to use RLUSD on the XRP Ledger for institutional settlement. BNY is broadening its support for tokenized assets issued on the XRPL.

U.S. Treasury Secretary Scott Bessent addressed the conference directly, stating “We are going to win in the digital asset stack.” His presence and comments signaled strong institutional and governmental alignment with Ripple’s direction. For holders like Lundgren, these are the developments that justify a decade of patience.