$XRP – Altcoin Reviews

Hello everyone, welcome to another token review. Today, we will discuss XRP ($XRP), a cryptocurrency designed to facilitate fast, secure, and low-cost international payments. Personally, I don’t hold XRP, but that doesn’t mean I can’t talk about its technology. The reason I’m not into XRP is that they have been accused multiple times of spreading FUD against Bitcoin. While there is no concrete evidence, Ripple has been linked to funding efforts aimed at altering Bitcoin’s smart contract.

Additionally, in early 2025, Ripple CEO Brad Garlinghouse publicly opposed the creation of a Bitcoin strategic reserve, instead advocating for a diversified digital asset reserve that includes multiple cryptocurrencies, such as XRP. This stance led to allegations from Bitcoin proponents that Ripple was secretly lobbying against the Bitcoin reserve initiative.

But anyway, we’re here to make money, not join a cult (except for Bitcoin—but it’s not a cult, it’s a movement). So whatever helps us make money, we should do that.

So let’s start the Altcoin Review of XRP:

  • David Schwartz: Co-founder and Chief Cryptographer, instrumental in developing the XRP Ledger.
  • Jed McCaleb: Co-founder, with a background in creating several cryptocurrency ventures. If you read my previous altcoin review of XLM,
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