XRP Holders' Three Paths: Sell, Hand It Over, or Keep the Keys

Don't sell your XRP. The wealthiest people on the planet almost never sell the thing that's growing. Not at the top, never ever if they can help it. And most holders have got no idea there's a third way to play this. I've spent years around traders and people sitting on serious money.

So I've seen how the wealthy actually handle an asset like this. Even Warren Buffett at 94 said he'd never sell a single share and I'll show you him saying it. And by the end of this video, you'll know the three paths every holder has, which one the wealthy take, and the catch nobody mentions until it's too late. So stick with me because that third path is the one nobody ever really explained to most of us. I'm Rory.

This is Bull Runners. [music] So what's the idea and why does it matter to you and me? Well, basically the wealthy treat the thing that's growing as the thing you keep. They don't cash it in to live. They let it keep growing and they make it pay them something while it does. And if you want that from the horse's mouth, here's the most famous investor of our lifetime at his own shareholder meeting in May 2025.

I will not I have no intention, zero of selling one share of Berkshire Hathaway

sell the land, they rent it out. They don't sell the shares, they take the dividends. The asset stays where it is, and the asset pays. It's been done that way for hundreds of years. The only new bit is that holders like us can now do a version of it with crypto, as long as we know where to look and what can go wrong.

Because most of us think that there are only two options. You hold it and you sit there watching the price go up and down, or you sell it. That's it. That's the menu, hold or sell. And selling feels like the grown-up thing to do right up until you actually do it because the second you sell, two things happen.

First, there's usually a bill. In most places, selling at a profit means tax. And how big that bill is depends on where you live and your whole situation. So that's a conversation for a qualified professional, not me. But it's real and it comes out of your pocket, not theirs.

Second, and this is the one that really stings, it's gone. Whatever XRP does next, you're watching it from the outside. Picture it. You've held for years, through the lawsuit, through every dip, and the day you finally sell, a chunk goes on the bill and the rest sits in your bank account doing nothing while the thing you believed in carries on without you. That's a problem the team works through with members every week, but stick with me first because you need to see the three parts before any of that makes sense.

And if you've got bills to pay, that's where it gets nasty because a lot of holders don't sell when they want to. They sell when they have to. The car needs fixing, the rent goes up, something lands on the doormat, and the only money to hand is the bag. So it gets sold on a Tuesday because life said so, not because the timing was right. If that's ever been you or it's the thing you're scared of, pop holding in the comments.

You're definitely not the only one. Let me show you what that looks like when the whole market goes at once. This is CNBC in June 2022.

Crypto markets are plummeting this morning, down more than 14% by noon [music] Eastern. Bitcoin fell to $23,000, Ether fell to $1,200, and Cardano was around to [music] cents. The total market cap for cryptocurrencies dropped below a trillion dollars for the first time since January of 2021.

Under a trillion dollars for the whole market. And I'll be honest with you, I was in it all through 2022. A lot of us checked the price every single day, didn't we? I did it as well. And at one point, I pulled some out thinking I'd be clever and buy back lower.

Well, I never got the price. It just kept doing its own thing, and I was left standing there with cash and a smaller bag. And that feeling sticks. You do the math every time it moves. Would have, could have, should have.

That's the other side of the fear. It's not just being forced to sell. It's selling too early on your own because the screens read and nobody's there to tell you to breathe. And the bit that gets me is that most of the people panicking that year had no idea there was a third path at all. So here's how I want you to think about it.

When you've got a bag of XRP and you want it to actually do something for your life, there are really only three paths. Path one, you sell it. Path two, you hand it to someone else, a platform or a lender, and let them do something with it for you. And path three, the one the wealthy take. You keep it, you keep the keys, you put it to work while you wait, and you know exactly when you'd move.

And to show you how few holders have even tried any of this, one tracker harvest counted the addresses holding any kind of wrapped or staked XRP product. As of the 23rd of October 2026, it was about 13 and 1/2 thousand out of more than 8 million funded accounts on the XRP ledger. That's fewer than two in every thousand. So if all of this is new to you, you're in very big company. And picking the wrong path can cost you a lot more than a fee.

So let's go through them one at a time, starting with the one everybody knows. Path one, you sell. Look, I 'm not going to pretend selling is always wrong. Sometimes it's right, but here's the problem with it as a plan for a living. It only works once.

You sell, you pay the bill, you spend the money, and then what? There's nothing left growing. You've swapped an asset for a pile of cash that only goes one way, which is down. Prices go up, the cash doesn't. And every month a bit more of it disappears on just living.

Selling turns something that could grow into something that can only shrink. With XRP, the timing can be brutal. For most of 2024, it sat in a tight range, roughly 50 to 60 cents for months on end. Loads of people gave up and sold. Then, after the US election in November, it went off like a rocket.

This is CNBC on the 3rd of December 2024.

And XRP jumped 43% to $2.74 [music] after surging through the weekend, reaching its highest level in years after Fox Business reported Friday that Ripple is close to getting a new stable coin greenlit by a top crypto regulator. The rally though first kicked off soon after US election day when the industry began to anticipate more favorable crypto regulation.

Highest level in years. November alone was close to a 300% month, and everybody who'd sold at 50 cents to cover something got to watch it from the side of the pitch. And most of them didn't sell because they'd stopped believing. They sold because something came up or they were sick of waiting and 50 cents was all the bag could give them on the day they needed it. But here's the twist because I always give you both sides.

It ran on into the July 2025 high, and since then it's come a long way back down. So the people who sold near the top weren't daft either. Selling isn't the enemy. Selling with no plan is. Selling because you're scared or skin or you just got bored, that's what costs people.

The wealthy sell bits when it's part of a plan they wrote down before the move. Everyone else sells when their nerves go. And the plan doesn't have to be clever. It can be as simple as if it does this, I take a slice. And the rest stays put.

Written down before the move while you're calm. That's what the wealthy have that most of us don't. Not more information, a decision they made in advance. So path one does work once, but you can't really live off something you've already got rid of. Path two is where it gets interesting and it's where I see the most people get hurt.

Path two is you don't sell. You hand your XRP to a platform, a lender, an exchange with an earn button, and they pay you something for the privilege. Sound like the best of both worlds, doesn't it? You keep the coin, you get paid. No bill, no watching it run from the sidelines, and a little bit coming in every month.

If you'd offered me that when I started out, I'd have bitten your hand off. And for a while, it was massive. Millions of people did just that. One of the biggest was a lender called Celsius. And here's what happened on the 12th of June 2022.

You know, now over the weekend we have Celsius, which is one of the biggest crypto lending platforms announced that it's suspending client withdrawals because of quote unquote extreme market conditions. You know, this is just coming on the heels of of Terra Luna's meltdown. And so investors are starting to you know, find out that the counterparty risk in crypto is very real.

Counterparty risk, that's just a fancy way of saying it depends on somebody else being okay. And here's what that felt like for the actual customers.

They say that image was shattered when they heard from Celsius that their accounts would be frozen on June 12th. Celsius blaming extreme market conditions. One customer we spoke to, George Watson, says he lost a year's worth of rent.

Now we're all kind of left in the dark. We don't know what's going on, so yeah, it's it's pretty uh it's pretty nerve-wracking.

A year's rent gone dark overnight. And it gets worse because then the court had to decide whose coins they actually were. Celsius filed for bankruptcy that July, and on the 4th of January 2023 the judge gave his answer.

Yeah, so this is a ruling from US bankruptcy judge Martin Glenn yesterday in the Celsius bankruptcy case. The short version is he said that the terms of service for Celsius were quote unambiguous in ruling that uh assets held and deposited on the Celsius earn platform belong to Celsius, not to the customers.

Belong to Celsius, not the customers. About $4.2 billion sat in those earn accounts across roughly 600,000 of them. And the judge said the terms people had ticked had handed over all right and title, ownership included. Your coins weren't in your name anymore. They hadn't been since the day you pressed deposit.

And it wasn't just lenders. On the 8th of November 2022, FTX, one of the biggest exchanges in the world, stopped withdrawals. And people who never lent a thing to anybody were stuck as well. I had nothing on there, but plenty of good people did. And all they'd done was trust the app on their phone.

And there's a second way path to bites, which is liquidations. On a lot of platforms, your coins end up as collateral somewhere. And when the price drops far enough, the system sells them automatically. No phone call, no 24 hours to sort it. On the 10th of October 2025, that happened on a scale crypto had never seen.

Coin Glass counted over $19 billion of positions wiped out in a day, and more than 1 and 1/2 million traders liquidated. I've been liquidated myself on a Bitcoin trade. I laughed, shut the laptop, and went for a walk because what else can you do? It's gone before you've even opened the app. So here's one for free, and it takes 2 minutes.

Open whatever your XRP sits on right now. If you log in with an email and password, someone else is holding the keys. Then find the terms and the boring page nobody reads and search for the word title or ownership. I've read a platform's own terms and changed what I did because of it. Celsius customers found out what they said in a courtroom.

And straight after that ruling, Coin Desk made a point that applies to pretty much every app out there.

Saying where uh it's we're looking we're talking about a very specific lender right now, but if you're using an exchange, if you're using another lender, if you're using really any kind of, you know, crypto platform where you're giving them your assets, uh it probably a similar situation would happen and they also ended up going into bankruptcy or for whatever reason had to suspend withdrawals.

Any kind of platform where you're giving them your assets. That's part in one sentence. It can work for years right up until the day it doesn't and on that day it's not your call. So part three, the one the wealthy take. You keep it not on someone else's app in your own wallet with your own keys.

Nobody can pause your withdrawals because nobody standing between you and your coins. And then instead of it just sitting there you put some of it to work while you wait. Think of your own wallet like a letter box with your own key. Anyone can post something in it, but only the person with the key can take anything out. On an exchange they've got the key and you're asking nicely.

Now this is a bit where most hold of it never been shown. The XRP ledger had its own built-in exchange since 2012. Here's An Chal Maholtra who later co-wrote the spec for its newest part explaining what kind of market is.

Decentralized exchange. These are these are those markets that are crucial source of liquidity and that provide a peer-to-peer market for the traders to directly trade in a non-custodial manner without the need of an intermediary.

Without an intermediary. That's the whole point and that newer part she helped design is called the AMM, the automated market maker. In plain English it's a pool. You put in two assets, say XRP and a stable coin and when people swap between them the pool takes a small fee and the people who put money in share it.

Now liquidity providers on AMM usually make profit from trading fee as well as liquidity rewards. Compared to a club

Trading fees. That's where the money in a pool comes from and on the 22nd of March 2024 the AMM went live on the ledger and the key never leaves you. I've done a swap on the XRP ledger's own exchange myself and it was done in seconds straight from my own wallet. And between trades, I've parked money in stable coins and had it earn something, rather than just sit there doing nothing. That's a mindset.

Your money's either working or it's waiting, and the wealthy doesn't like waiting. But keeping it and earning on it is only two thirds of part three. The last bit is knowing when you'd move, not guessing on the day, deciding before while you're calm, what you'd do if it doubled, what you'd do if it halved, and sticking to it. The wealthy do this with everything they own. They don't sell the whole farm because the price of land went up one summer.

They might sell a field. They decided that years ago, and they don't argue with themselves about it on the day. With a coin as lively as XRP, that matters even more because the big moves tend to come fast and the headlines come faster. And that's the bit the team lives in every single week, which I'll come back to because first I want to tell you about the two worst calls I ever made with a coin. The first was Dogecoin.

Remember this? CNBC, April 2021.

And finally, Dogecoin is a cryptocurrency that started eight years ago as a joke, but its out of this world gains are very, very real.

Very, very real. I rode that wave and it was mad. Every day it was up again, and I just grinned at the screen, and I never took a penny of profit on the run. Not one. I had no plan for when I'd move, so I didn't move.

And by the time I thought about it, the moment had gone. I've told myself that the money I didn't take was the price of the lesson. And the second one you've already heard. 2022, I sold some too early, telling myself I'd buy back lower, and I never got the price. So look at that.

One time I held with no plan and I missed the top. The other time I sold with no plan and got left behind. Two opposite mistakes, same cause. It was never really about holding or selling. It was about not having decided anything before the market decided for me.

And I reckon, if you're honest, a lot of us have done one of those, maybe both. That's normal. It's just nobody ever sat us down and showed us the third way, did they? So let's talk about how the wealthy actually think about money because it's simpler than you'd expect. There are really three things you can swap for money.

The first is your time. That's a job, a shift, the nine to five. And that's where most people spend their whole lives. The second is what you know. A plumber who fixes in five minutes what you'd spend all weekend failing at gets paid for knowing, not for the five minutes.

And the third is your money itself, working for you while you sleep. Most people never get to the third one. And with crypto, lots of people get a bag that could be doing that third job, and then they just leave it parked in an app doing absolutely nothing, or they sell it and go straight back to swapping their time. The wealthy want the thing they own to pay for itself. That's the heart of it.

They'd rather keep the asset and take something from it every month than sell the asset and hope the cash lasts. And even Buffett frames keeping every share as money decision, not a sentimental one. So listen to this from the same meeting.

I would I would say that I would add this. The the decision to keep every share is an economic decision because I think the prospects of Berkshire will be better under Greg's management than than mine. And then uh uh but you know, I will I will come in and and uh and there may come a time when we get a chance to invest a lot of money and and uh

An economic decision. For him, keeping it is the plan. With XRP, loads of holders keep it by default because they've never decided anything. Same action, completely different reason. One's a plan, the other's a habit.

And a habit can't pay you anything. It just sits there and so does a bag. So what's the catch? Because there is always one, and I'd rather you heard it from me. The first catch is the price itself.

If XRP moves a lot while it's sitting in a pool, you can come out with less than if you just held it because the pool rebalances as people trade against it. Say you put in XRP and a stable coin and XRP shoots up. Traders buy your XRP out of the pool as it climbs. So you can come out with less XRP and more stable coin than you'd have kept just by holding. So it's never free money.

It's a tradeoff and you need to understand it before you touch it. The second catch is that even on the ledger things can go wrong. When the AMM went live in March 2024 a problem turned up in some pools within days and the XRP ledger's own developer site told people to take their money out and stop depositing until a fix was ready. That fix went live on the 11th of April 2024. It got sorted quickly, which is a good sign for the ledger, but it shows you why you never put the lot in and why you want someone watching who properly understands this stuff.

And the third catch is a big one. Earning on your coins is never safe. When something pays you there's a risk behind it and that risk has to come from somewhere. Here's how CNBC put it about Celsius.

The catch, Celsius is not a bank. Behind the scenes analysts say that money was lent out to hedge funds or put into other risky crypto investments. The structure began to crumble as prices collapsed.

So the first question with anything that pays you is where's the money actually coming from? If you can't see it, it's usually coming from a risk you can't see either. That's why part three isn't a button you press, it's a plan you build with the keys in your own hands. And here's where I think most people look at the wrong number. Everybody obsesses over the price.

What's it going to hit? When's it going to hit? But the number that the wealthy care about is different. It's what their assets doing for them while they wait and what they'd have left if they had to act on a bad day. Prices a bit you can't control.

What your bag's doing and where it's sitting is the bit you can. So let's put two holders side by side. Same bag, same coin, same starting point. Both believe in XRP, both wanted to change their life one day. The only difference is what they do when their moment comes.

Holder A goes with the menu everybody knows. The price pops, they get excited, or they get scared, or a bill lands and they sell the lot. They pay whatever they owe. They've got cash in the bank, which feels great for about a month. Then XRP moves again, and they're on the outside refreshing the chart, trying to work out if they should buy back in, usually higher than they sold, and the cash just quietly gets spent.

Holder B does it differently. They move the coins off the exchange into their own wallets so nobody can pause them. They put a slice of it to work, knowing it's never safe and understanding the trade-off, and they wrote down in advance what they'd do if it ran and what they'd do if it fell. When the price pops, they don't panic. They follow the plan.

Maybe they take a bit off the table, maybe they don't. Either way, they're still holding a bag. It's in their name and it's still doing something. Now, holder B is taking risks, too. I'm not going to pretend otherwise.

Coins in your own wallet are your responsibility and earning is never guaranteed. But holder B keeps their options, and holder A didn't do anything mad. They just walked through the only door they could see. Holder B just knew there were three doors and picked the one that kept the bag working. So which one sounds more like the wealthy?

And if we're honest with ourselves, which one sounds more like what we've been doing? And this isn't some theory I've cooked up over a coffee. People who doing it right now, and some of them are doing it with a lot of money. In October 2026, a company called Evernode went public on the Nasdaq as the biggest listed XRP treasury in the world, sitting on about 473 million XRP. And here's a bit the matters.

They're not just sitting on it. Here's their chief executive, Ashish Birla, on Ripple's own channel.

Evernode [music] is an XRP digital asset treasury. We're the largest digital asset treasury for XRP out there. We will take the XRP that's in the digital asset treasury, and we will deploy it into yield-bearing instruments. So it has an added benefit of helping to grow the XRP DeFi [music] ecosystem. So we want to see more DeFi players come to the XRP [music] ledger, and we'll help by deploying the capital that we have in the treasury into those DeFi products. [music]

Keep it and put it to work rather than sell it. That's a wealthy mindset done in public by a company listed on Nasdaq with nearly half a billion coins. Some of how they do it runs through partners, which is closer to path two, but the starting point is the same one I've been banging on about. You don't sell the thing that's growing, and it's not just the big players. Crypto quant data showed about 5.3 billion XRP left exchanges over 30 days on the 24th of October 2026.

People are taking their coins back into their own hands. But here's the honest bit. Most of us know path three exists. Knowing it and doing it properly are two very different things. Which pool?

How much? What's the plan if it runs? What's the plan if it drops? And who do you ask when something looks off at midnight? That's where people freeze or worse, they wing it.

And I get it because I spent years working this stuff out on my own as well, and it's slow and it's lonely, and the market doesn't wait for you to catch up. It's fixable though, and it's not as hard as it sounds. That's what our private intelligence network is for, guys. Most of what I bring you on this channel comes from inside it, and in there it goes a lot deeper than I can in one video. Basically, the research team digs into where this is heading and members hear it first.

They'll show you how to get what you're already holding earning instead of just sat there. So selling isn't the only way your bag ever does anything for you. They'll help you get it on your own keys so no bank or exchange can freeze it. And every week there's a call where the team says when they're buying and when they're taking profit, so you're not guessing. And everyone in there's holding a decent bag and in it for the long haul, same as you and me.

So honestly, I'd be a lot further along myself if we'd started Altcoin Pro sooner. And if you opened your app earlier and it was an email and a password to get in, or you searched those terms and don't love what you found, that's exactly what the 15 minutes is for. Now, plenty of us have got a bag that's just been sitting there for years, going up and down while we stare at it. One of our members, Agnes, was right there, and this is what she wrote after joining. bought what she calls a boatload of XRP back in 2021 and watched it go up and down for years without really knowing what to do with it. Big profits at times, painful losses at others, mostly just staring at the numbers on a screen.

Then in December 2025, she got on a call with Ryan, decided to stop guessing and start learning how the markets actually work and joined the accelerated program. She said it's given her the tools to structure and the support to finally trade with confidence and that the coaches, the daily support, and the research team are incredible. Now, results like Agnes's are exceptional and they didn't happen by sitting still, so be exceptional. Look, you could leave it and hope you pick the right moment on your own or try and piece all three parts together yourself at midnight like we all have. I'd rather you just spend 15 minutes with the team and came away with a plan for your back.

It's free and worst case you come away clearer. So here's what I do. Tap more under this video and hit the very first link, watch the short free briefing, then hit the button underneath it, fill in the quick form. It takes under a minute and then book your free 15-minute call with someone on the team, right? They'll look at what you're holding and tell you straight whether it's right for you.

That's the first link. It's built for people holding $50,000 or more in crypto and if that's not you yet, that's absolutely fine. Keep watching these videos with me. They're up every day. They're free and we will keep learning this together.

So remember this, the wealthy almost never sell the thing that's growing. They keep it, they keep the keys, they make it do a job while they wait, and they know exactly when they'd move. It's your call, but the calm window to get that set up, but the calm window to get that set up before the market makes a decision for you doesn't last. And look, none of this is financial advice, guys. It's just me, a coffee, and a lot of hard research.

Crypto carries risk and what's happened before is no guarantee of what happens next. Your keys stay with you and the team never needs them. So stick with me, hit subscribe and there's a new one every day. Thanks for watching, guys. Keep your head, stack with purpose, and I'll keep you posted.

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