XRP Treasury Plan: 3 Habits Central Banks Use That Holders Can Copy

I want to start with an assumption, not a prediction and not something that's true right now, just an assumption. So, stick with me here. Let's assume XRP goes on to do everything its biggest believers think it will. The banks use it, the big money holds it, and there's so much buying and selling going on that it stops swinging around like a crypto coin and starts behaving a lot more like gold, steady and deep, the kind of thing the bank is happy to keep on its books. And let's assume the price gets to whatever number's sat in your head right now.

You know the one. Now, here's the question I want you to sit with. If that day ever came, would you actually sell it? Because if something becomes that important to the whole system, selling it is a bit like selling the ground your house is built on. The people who've worked that out keep it.

They hold it themselves, they make it work for them, and they decide in advance when they'd move. That's what being your own bank really means to me and you, holding your own keys and running your own rules. I'm Rory, this is Bull Runners. So, grab a coffee because this one's a bit different.

[music]

Right, here's where most of us go wrong, and I've done it myself. The price was never the end game. Almost every XRP holder I know spends their time thinking about a number. When does it get there? What's my bag worth then?

What am I going to buy? And look, I get it. That's half the fun of it. But there's a whole level past the number, and hardly anybody talks about it. Because the moment your coins are worth serious money, you're not really holding a position anymore, are you?

You're running a treasury, a little reserve of your own, and a treasury needs completely different rules to a trade. So, what does a proper treasury look like? Well, let's look at the people who run the biggest ones on the planet. The average person does this. They buy something, they watch it go up, they sell it, they get the cash, and they spend it.

Job done. And then they're back at square one looking for the next thing. A central bank, a pension fund, a big treasury, they ask a completely different question. It's never "When do I sell this?" It's "How do I keep it, keep it safe, and keep it useful for as long as possible?" And that one question changes everything they do. They know exactly where it's stored and who can touch it.

They make sure it's doing something rather than just sat there. And they write down the rules for when they'd move, years before they ever need them. Three things. Keep those in your head because we're going to build our own version of all three. Let me show you the first one because it's mad.

Germany has the second biggest gold reserve in the world after America. And for decades, a huge chunk of it wasn't actually in Germany at all. It was sat in vaults in New York and Paris, partly a leftover from the Cold War. Then in 2013, the Bundesbank, Germany's central bank, said, "Right, we want half of it home." Over the next few years, they moved 674 tons of gold around 54,000 bars back to Frankfurt. They finished in August 2017, 3 years ahead of schedule.

And when it landed, they tested every single bar for weight and purity. Think about that. One of the most trusted central banks on Earth storing its gold with its closest friends, and it still wanted its own reserve under its own roof. Because when it's in somebody else's vault, you're relying on someone else's door, someone else's rules, and someone else's day. And it's not just Germany.

When Invesco surveyed central banks in 2023, 68% said they were keeping their gold reserves at home, up from 50% in 2020. And the man who ran that study summed up the mood perfectly. "If it's my gold, then I want it in my country." That's the biggest money in the world saying exactly what we've been saying about crypto for years. If it's your XRP, you want it on your keys, not sat in somebody else's platform. And that's pillar one of the system.

Hold it yourself. Now for the second thing. A central bank or a big pension fund never buys something and just leaves it in a drawer. Even the reserve, the stuff they'll never sell, gets put to work because money that sits completely still quietly loses ground every year as prices go up. Take Norway's oil fund.

Its bosses said it's owned shares in around 9,000 companies around the world. That money isn't parked. It's spread out and working every single day while the fund itself just keeps growing. It's the same idea whether it's a country's savings or your own back. The core stays put and it still pulls its weight.

So, the big players hold the core and they make it earn while they wait. Now, in crypto that comes with real risk and I'll show you exactly how it goes wrong in a minute because the wrong version of this has burned a lot of people. But, the idea is the same one the big players use. Hold it yourself and still have it doing something for you. That's pillar two and for what it's worth, that exact balance keeping your own keys while still getting your coins working is something that the team I work with spends a lot of time on with members.

And the third thing is the one almost nobody does. That same Norway fund, one of the biggest sovereign wealth funds in the world, has a written rule for how much of it sits in shares. If markets drop and it falls far below that target, the rule kicks in and they rebalance. However scary the headlines are. They decided it in calm times so they never have to decide it in a panic.

Here's the man who runs it now on why that matters so much.

Uh we have a very uh constant investment philosophy and I think that's really one of the success factors behind the fund is that our investment mandate is widely anchored. All the political parties agree on uh kind of the big guidelines, the main guidelines for the uh for the fund. Um it means that when we have a change of of government, uh our investment philosophy does not change. It remains constant.

Same rules whoever's in power. And now, watch what those rules made them do in the worst crash most of us have ever lived through.

We increased the equity portion from 40 to 60% during the financial crisis. So, actually during 2008-2009, we were probably the biggest buyer of equities in the whole world. Uh now, in retrospect, that turned out to be a good thing.

Unlike some of its peers, none of the fund is invested in private equity.

Probably the biggest buyer in the world in 2008 while everybody else was running for the exit. Not bravery. That's a rule they decided long before. And that's pillar three. Know when to move.

Decide your moves while you're calm. Write them down and let the plan do the work when your head's screaming at you to panic. So, three pillars. Hold it yourself, make it work while you wait, know when to move. Now, let's zoom right out because when you multiply this across the whole system, it gets really interesting.

Picture every bank, every pension fund, every insurance company, and every big treasury doing exactly what we've just walked through. But, with digital assets. Holding them, putting them to work, and following their rules. And this isn't some far-off idea. It's already started with XRP.

On the 9th of October 2026, a company called Evernode, backed by Ripple, completed its deal to go public holding around 473 million XRP as its shares started trading on Nasdaq on the 12th of October. Its boss, Ashish Birla, says the plan is to grow the XRP per share over time. That's a company treating XRP exactly like a reserve. They're not talking about when they'd sell. They're talking about holding more.

Now, go back to our assumption for a second. If more and more big players start treating XRP that way, as a reserve they lock away and put to work rather than something they flip, then the people who did the same thing early with their own keys and their own rules are the ones sat in the best seat. And the people still treating it like a lottery ticket are the ones most likely to let it slip through their fingers when the moment finally comes. And look at the backdrop they're doing it against. The US national debt went past $40 trillion for the first time in August, and by the end of September it was sat over 40.1 trillion.

Here's how it was being described on Fox in October.

People say when is there going to be a fiscal crisis? I don't think that's the right question. I hope we never find out, but we're already paying a price for all this borrowing, and just because it's invisible doesn't mean it's not affecting all of our bottom lines. It is.

Already paying a price even though you can't see it. That's the bit that winds me up because the price lands on me and you. On the shopping, on the mortgage, on savings that buy a little bit less every single year. And when the money itself is getting stretched like that, the big players want the things they can hold. Things nobody can just print more of.

So, that's the world we're in, and I want to know where you stand in it. Tell me in the comments. Are you running your XRP like a treasury, or are you still just watching the number? So, let's put our assumptions back on the table for a minute. Imagine the banks, the funds, and the big treasuries really do end up treating XRP as something worth holding for the long haul.

You don't need a bank's license to copy what they'll do with it. Copy their discipline, their habits, and their rules, and leave the borrowing and the gambling to somebody else. Now, some of you are thinking, "Hang on, Murray. Why do I need a system at all? I'll just buy it and never touch it." And honestly, that's a fair point.

And one of the greatest investors who ever lived made it better than anyone. This is Jack Bogle, the man who founded Vanguard.

And when something monstrous happens, big noisy uh affects the market greatly on a very short-term basis, the answer is don't just stand there, do something. But the real answer is don't do something, just stand there. Or just don't get captivated by the emotions of the moment.

Don't get captivated by the emotions of the moment. And he's spot on. Emotions wreck more portfolios than anything else. But here's the thing. Bogle could say just stand because he'd already built a system.

He knew exactly what he owned, where it was held, and what his rules were. Standing still works brilliantly once you've done all that first. Without it, patience is really just hoping, and hoping isn't a plan. Which brings us to the wrong way, because this is where people get hurt. There are three ways I see people get this wrong, and every one of them can undo years of holding in a matter of days.

The first one is handing it to someone else and hoping. On the 12th of June, 2022, a crypto lender called Celsius, which said it had around 1.7 million users, paused all withdrawals. People had been earning on their coins. It all looked lovely. And then one Sunday night, the door just shut.

And here's how it was being explained on CNBC that week.

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. You know, one of the things about Celsius was, you know, when you gave your money to them as a platform, it said in the fine print that they could do whatever, you know, whatever they deem necessary to earn a yield. And so one of the things that they would do is they would they would take Ethereum, they would stake it through a protocol known as Lido, which provides uh kind of decentralized staking as a service. It's actually a great protocol.

Whatever they deem necessary. That was in the fine print the whole time. That's what making it works look like when you have to hand over the keys to do it. The coins were theirs on paper, but they weren't in their hands. And a month later, in July 2022, Celsius filed for bankruptcy.

The second wrong way is having no exit plan. And I'll put my hand up on this one, because I rode Dogecoin right the way up in 2021. It hit its high around the 8th of May, the night Elon Musk hosted Saturday Night Live, and within a few days it was down more than 40%. I never took any profit on the way up. I was too busy enjoying the ride.

And if you were in crypto in 2021, I bet you've got your own version of that story, too. Getting the price is only half of it. Keeping it takes a plan. And the third wrong way is chasing it with leverage. On the 10th of October, 2025, the crypto market had the biggest wipeout in its history according to CoinGlass.

More than 19 billion dollars of leverage bets were liquidated in a single day, hitting more than 1.6 million traders. Nearly two months later, here's a fund manager on CNBC.

So, we still are recovering from October 10th, and I think the market really we have a very sensitive market. They go heavy into doomsday scenarios narratives. We had a liquidity situation that created some deleveraging events, and we haven't recovered from then. Open interest is still well below where it was. I would say general speculation has kind of moved away from the tail end of our industry into things like the prediction markets and and zero day options in Robinhood.

So, I think the speculative part of the market is is is sourced elsewhere at the moment. The institutional bit came out for a moment because that's what they do. They de-risk, right? You come into an event where you need to de-risk your overall portfolio, and then today thankfully we're in a we're in a a day where Bitcoin's in the black. I'm typically next to a red screen, which I think I currently am.

Still recovering. And I've been liquidated myself on a Bitcoin trade. I laughed, shut the laptop, and went for a walk because it was a trade. It wasn't my future. But when it's the coins you're holding for your future, there's a completely different feeling.

And here's why all three hit harder in crypto than with gold or shares. It moves fast. Back in 2018, XRP peaked in January, and by August it was down around 90% according [snorts] to CoinDesk. Gold just doesn't move like that. So, with something this lively, the rules matter more.

The more something can swing, the more you need to have decided in advance what you'll do when it does. Because when it's flying, your brain tells you it'll go on forever. And when it's falling, your brain tells you it's going to be zero. Both feelings are loud, and both are rubbish at making decisions. A rule you wrote on a calm Sunday afternoon doesn't feel any of that.

And the good news is writing that rule is completely in your hands. So, why does any of this matter to you? Well, because you don't need to be a central bank to copy what they do. You don't need their size, and you definitely don't need their borrowing. You just need their habits.

Where it's held, what it's doing, and the rules for when you'd move. That's the whole system, and you can run it on the bag you've already got. A central bank has a committee and a rulebook. You've got a phone, a notepad, and 15 quiet minutes, and honestly, that's enough to start. The difference between the holders who keep what they make and the ones who give it all back usually isn't much.

Usually isn't how much they bought. It's whether they decided any of this before the moment arrived. And this, by the way, is the part I'd been doing on my own for years before I had a team of specialists looking at the same stuff alongside me every week. And honestly, it's a different game with them. So, let's build it layer by layer.

Layer one, hold it yourself. Your coins on your keys set up properly, and you know exactly where every last bit of it sits. All in one place you can see clearly. Layer two, make it work while you wait. So, move it doing something for you with your eyes open to the risk, and your keys staying with you.

Never hand it to someone else who can do whatever they deem necessary. Layer three, knowing when to move. Your levels in and out decided now while you're calm. When I trade, I know before I click exactly what I'm risking. Usually 1%, and I only take a trade if it's worth at least twice that.

Those are my rules, and they stay the same however excited I get. Your long-term coins deserve exactly the same respect. And honestly, it doesn't need to be complicated. One sheet of paper where your coins sit and who holds the keys. What's working and what's just holding.

And your levels, the point you'd add, the point you'd take some off, the point where you'd stop and rethink. That's it. One page, three sections, and you've got more of a plan than most people holding a bag 10 times bigger than yours. And then the bit that ties it all together, write it down. Ray Dalio, who built one of the biggest hedge funds in the world, said something about this I think about a lot.

And I say to so many people um who are really very, very successful people who have never written down their principles that they're going to die with them. And if they instead write them down and make them clear, then they're teaching other people because

very successful people who never write their principles down, and they take them to the grave. If your plan's only in your head, it's a move, not a system. Written down, it's something you can follow on a bad day and something you can hand on. So, think of your XRP as a reserve, not the spending money. It's the goose, not the eggs.

A reserve is the bit you protect so it can keep supporting everything else. Remember Bogle. Here's the other half of what he said, and it's the half people forget.

the index fund, which is not any magic. It's owning all the companies in America and holding them forever. And that is and will be and must be the winning strategy.

Holding them forever as part of a plan. That's a reserve mindset. And notice he never said hold them anyway, any old how with no idea what you're on. He meant owning the right thing held properly with the rules settled and then having the nerve to leave it alone. That's how Germany treats its gold.

It's how Norway treats its fund, and it's how Evernode says it's treating XRP. The question stops being when do I cash out and becomes how do I keep this working for me as long as possible. And if the day ever comes when it's worth what you hope, that way of thinking is the difference between a number on a screen for a few weeks and something that actually lasts. And this is where it goes way beyond you. One day, the people you love won't just be picking up some coins.

If you build this properly, they'll pick up a system. They know where it sits, what it's doing, and what the rules are. A pile of coins in an app nobody else can open is a puzzle. A system with instructions is a gift. Dalio said the same thing in that interview about his own family.

And so, if we write those things down, we can help other people. And I think like I probably won't be around to speak to my grandchildren in the way that I would like to then, but they will have those principles.

They'll have the principles. That's what you're really building. The legal side of passing anything on is for a proper professional where you live, but the habit, the where, the what, and the when, that's on us. And honestly, holding all of that together on your own is hard. You end up being the glue for everything, the researcher, the security guy, the risk manager, and the person deciding when to move all at once, usually at midnight.

That's exactly why I lean on the team, because doing every one of those jobs on your own wears you down. So, in closing, right, assume XRP does everything its believers think it will. The big players are already treating assets like a reserve. They hold it themselves like Germany with its gold. They make it work while they wait, and they know when to move because the rule was written before the panic, like Norway in 2008.

The wrong way is handing it over, having no exit plan, or chasing it with leverage, and all three having burned people in the last few years. The right way is a system written down that you can follow on your worst day. All anyone wants to talk about is what XRP might be worth one day. The better conversation is what you'll actually do with if it gets it. So, here's one for free, and it takes 30 seconds.

Grab your phone and open wherever you keep your XRP. Ask yourself three things. Who holds the keys, me or the app? Is any of it doing anything, or is it just sat there? And what's my number for moving in or out, and is it written down anywhere?

If you couldn't answer all three straight away, you're in exactly the same boat as most of us. And keep those three in mind, because I'm coming back to them. If you've already built your own system, stick holding in the comments. If you're starting now, stick my turn. So, here's a question I'd leave you with.

If this does make you wealthy one day, the real test won't be the money arriving. It'll be whether you had a plan for it when it landed, and that gets decided long before the price gets anywhere near your number. And I'll be straight with you about my own journey. I've been trading for years and had my own rules on every trade long before I came across Altcoin Pro. But the long-term side of it, the keys, the security, getting coins working, having a plan for when the big moves come, that's where having a team of specialists around me sped everything up massively.

I've actually learned an enormous amount from them and honestly, I'd be a lot further along if we'd started Altcoin Pro sooner. Building this on your own from YouTube videos and late nights is possible. It just takes years and the market moves on whether you finished or not. And that's what our private intelligence network is for, guys. Most of what I bring you here comes from inside it and in there it goes a lot deep.

The research team digs into where this is heading and members hear it first. They'll help you get your coins on your own keys and set up properly. They'll show you how to get what you're already holding working instead of just sat there. And every week there's a call where the team walks you through how they're reading it and when they're buying and taking profit themselves so you're not guessing. Everyone in there is holding a decent bag and they're in it for the long haul, so same as you and me.

If you couldn't answer those three questions on your phone just now, that's exactly what the 15 minutes is for. That's what happened for one of our members, Agnes. She bought a lot of XRP back in 2021 and watched it go up and down for years. Big gains, painful losses, mostly staring at a screen. Then she got on a call with Ryan from the team and joined the accelerated program.

In her words, it's given her the tools, the structure and the support to finally trade with confidence. This is the review she wrote. Results like Agnes's are exceptional and they didn't happen by sitting still. So be exceptional. So look, three options.

Leave it and hope the price does all the work. Build the whole system yourself at midnight from a hundred different videos. Or spend 15 minutes with the team and come away with a plan for your own bag. It's free and the worst case scenario is you come away clearer. So here's what I do.

Tap more under this video and hit the very first link. It takes you to a page with a short video on it. So watch that, then click the button underneath it. Fill in the short form, it takes less than a minute, and pick a time to talk with someone on the team. That's the first link, and do it now, and come straight back, and I'll be right here.

It's built for people holding $50,000 or more in crypto. If that's not you yet, that's absolutely fine. Keep watching these free daily videos with me, and we'll keep learning this together. And look, I do all this research over a coffee, and it's my take, not financial advice. Crypto carries real risk.

The past is no guarantee of what comes next, and a member's result isn't a promise of yours. Your keys stay with you the whole way. 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. Oh.

[music] [music]