Kri

1. Never believe anyone's price predictions.
2. Don't "diversify" into other cryptos; none of them are actually decentralized, everything except bitcoin is a shitcoin (yes, really), and it's all gambling. The point of bitcoin is not gambling, but to end modern day slavery (fiat currency).
3. When everyone you know is talking about bitcoin, you're at the top of a bull market. You'll likely be too exuberant to realize it though. It will be obvious in hindsight.
4. Don't "trade some altcoins on the side to get more bitcoin". You are not that smart, and the overwhelming probability is that you will get wrecked.
5. DCA into bitcoin. Ignore your emotions. Don't try to time the market. Just stack what you can every paycheck.
6. Don't be too excited about bitcoin; people will feel like you're scamming them even though you're just trying help.
7. Go to meetups & conferences. Don't be isolated. Bitcoiners are generally very awesome people.
8. When people ask you about how to buy bitcoin, send them to a BITCOIN-ONLY company. Example for why: My cousin bought bitcoin (on Coinbase) during the bull market, then sold it for shiba on the same platform and now she pretty much lost everything. Bitcoin-only companies are the safest option to keep newbies from doing newbie things.
9. Be on #bitcoin    twitter and nostr. Obviously if you're reading this, you're already here...but I didn't get on twitter until 2020 and can tell you that it's a lot less lonely hodling bitcoin when you see a bunch of other people on this platform experiencing the same things you are.
10. Be skeptical of influencers. Even me (I'm not a huge account, but still). Some are good, some are bad. Even if they have good intentions, their judgement can be clouded by bad incentives.
11. Stop trying to convince everyone you know that bitcoin will make everything better (even though it will). Instead, be a good resource for the people who eventually reach out to you about it. Be known as "the bitcoin guy" and let people come to you when they're ready. Have good content prepared for them to read/watch when they do.
That is all. It's been a great ride so far and I'm happy to know you guys.
#bitcoin #dyor #crypto2023

Ripple spent this week hardening a 14-year-old ledger with AI, lobbying Washington for the bill it says will unlock the next wave of institutional capital, and watching its CEO collect headlines from Davos to Miami predicting the most consequential year in the company's history.
Key takeaways:
Ripple overhauled XRPL security using AIRed team found 10+ previously missed bugsGarlinghouse predicts CLARITY Act by May 31Institutional wave building, market not pricing itXRP down to $1.33 despite all developments
XRP is at $1.33. Down from $1.44 five days ago. Below where it was when Garlinghouse made his all-time high call in January. Unmoved by any of it.
That is not a failure of the narrative. It is a description of how crypto markets actually work in 2026 – where geopolitics, ETF flows, and macro pressure move price, and everything else builds a floor the market will eventually price in, or won’t.
Here is what Ripple built this week, what its CEO said, and why none of it mattered on Friday.
Fixing the Foundation Before the Money Arrives
The AI security announcement was not a response to a crisis. On March 26, RippleX Senior Director of Engineering Ayo Akinyele published a post outlining a fundamental overhaul of how the XRP Ledger gets tested and hardened, not because something broke, but because the XRPL has processed more than 100 million ledgers and over 3 billion transactions, and the bar for reliability is now “extremely high and uncompromising.”
The structural problem is familiar to anyone who has maintained software for a decade. Earlier architectural decisions, patterns built for smaller scale, and legacy components now coexist with modern features – and the boundaries where legacy logic meets new functionality are often the most fragile points in long-lived systems. The difference now is what’s running on top of that legacy code. The XRPL is no longer a payments rail for retail transfers. Ripple is piloting RLUSD in Singapore’s MAS BLOOM initiative, which explores payments using regulated stablecoins and tokenized bank money. Institutional money requires a different standard of assurance than retail crypto ever did.
AI changes what’s possible on that front. A new AI-assisted red team has already uncovered more than 10 bugs using fuzzing and automated adversarial testing to find edge cases and hidden failure modes in the codebase. All low-severity, all being fixed, but their existence is the point. A decade-old system yielding new vulnerabilities under AI scrutiny signals that the old way of testing was not thorough enough, and Ripple knows it.
The next XRPL release ships zero new features. Entirely bug fixes, an unusual choice in a space where standing still reads as falling behind. Institutional participants managing regulated capital require assurances that the underlying blockchain can detect and neutralize threats in real time, not just after the damage is done. Ripple is making that bet explicitly, before the institutional wave rather than after it.
The CEO Who Has Been Right About the Direction, If Not the Timing
That institutional wave is the same one Garlinghouse has been describing since January, and the connection between it and the XRPL overhaul is direct. You don’t harden infrastructure for users you already have. You harden it for the ones you’re expecting.
At the World Economic Forum in Davos on January 21, Garlinghouse told CNBC: “I’m very bullish, and yes, I’ll go on record as saying, I think we’ll see an all-time high.” He described major financial institutions moving into crypto as a “massive sea change,” then added: “I don’t think that’s priced into the crypto market as much as I would have expected right now.”
The GENIUS Act, landmark stablecoin legislation signed into law last summer, had already shifted the landscape, and Garlinghouse argued that many still underestimate what it means for the world’s largest economy to move from a “war on crypto” to actively embracing the industry. The CLARITY Act, which would formally define which digital assets fall under the SEC and which under the CFTC, was the piece he said the market was still waiting on.
It has moved slower than he expected. In February, Garlinghouse placed the odds of the bill clearing the Senate at 80% by end of April, citing meetings in Washington that included leaders from both crypto and traditional banking. By March 26 that timeline had slipped. Speaking at the FII Priority Miami Summit, he extended his forecast to May 31, attributing the delay to continuing bipartisan negotiations rather than any weakening of support. His read on why a deal still gets done: “People are exhausted. That is when they finally compromise.”
On the same stage he drew the contrast he has been drawing all year. “Think about the contrast between that and the Biden war on crypto that drove it offshore in the United States,” he said. “We have already made huge progress in this administration to provide structure and clarity.” Two days before that appearance, he had been in Washington meeting with the principals directly involved in the CLARITY Act negotiations. He came back confident.
On Fox Business, he warned against letting regulatory weaponization return – telling the host “we can’t have another Gary Gensler moment.” The argument has a consistent thread across all three appearances spanning January to March: the regulatory war is over, institutional adoption is underway, and Garlinghouse has been saying a version of this since January. The question the market keeps answering differently is – priced in by when?

The Price
XRP is trading at $1.3355 as of March 28, down from $1.44 earlier in the week. The 50-period moving average at $1.3495 is sloping lower and has capped every recovery attempt since Monday. The RSI at 47.87 has climbed back from the sub-25 readings seen on March 27, but the moving average at 36.95 remains below the midline — enough to confirm the selling pressure has eased, not enough to suggest it has reversed. The week’s low touched $1.32.

That chart does not look like a market pricing in an AI security overhaul, a Miami speech, or a Senate vote expected by May. It looks like a market waiting for something it hasn’t seen yet. $1.35 is the level that keeps XRP range-bound. Below it, the path toward $1.30 opens, and given current open interest levels, that move would not be orderly.
Why None of It Moved the Price
The XRPL AI overhaul was announced on March 26. On the same day, $30 billion was erased from the total crypto market cap in a single hour, driven by $171 million in Bitcoin ETF outflows, Pentagon deliberations over additional troop deployments to the Middle East, and energy market disruption from the Ukraine conflict. XRP fell to a two-week low on the day of the announcement, with stock prices also tumbling amid uncertainty around the Iran conflict.
The market right now is not trading Ripple’s roadmap. It is trading the Iran conflict, ETF flows, and a macro environment that has shown no interest in distinguishing between a project that overhauled its security infrastructure this week and one that didn’t. Goldman Sachs holds $152 million in XRP ETF products. The MAS BLOOM pilot is live marking third big development in less than a month. The CLARITY Act is weeks from a Senate vote, in Garlinghouse’s telling. None of that is reflected in the price.
That is not an argument against Ripple’s thesis. It is a description of sequence. The infrastructure gets built first. The regulatory clarity arrives – or it doesn’t, on schedule. The institutional money follows the clarity, not the announcement. XRP at $1.33 is where the asset trades before that sequence completes, in a market where Iran and ETF redemptions are louder than most of developments.
The record year Garlinghouse described is being built in Washington, Singapore, and the XRPL codebase. The market is just not reading it yet.
The information provided in this article is for educational purposes only and does not constitute financial, investment, or trading advice. 

#XRP $XRP

The XRP funding rates have experienced a sharp uptick today, surging by 158.19% on Friday, March 27.
Over the past 24 hours, the XRP funding rate, a periodic fee traders pay each other in perpetual futures to keep the contract price anchored to the spot price, surged to 0.0028, according to market data shared by CryptoQuant. This followed a net-negative funding rate phase on Thursday, meaning longs had briefly been paying premiums to short sellers.
XRP’s 7-day derivatives chart. Source: CryptoQuant
The rise into positive territory signals that a greater share of derivatives traders have shifted toward bullish positioning. However, its Open Interest (OI) – the total value of active and unsettled derivatives contracts across all exchanges – edged down 0.25% over the past 24 hours to $823.94 million after recently hitting a weekly peak.
The marginal decline in OI, despite a bullish funding rate, suggests the move reflects repositioning of existing capital rather than fresh speculative inflows from new market participants.
Why is XRP price dropping amid positive funding rates?
Despite derivatives traders pricing in a bullish tilt, XRP’s spot price fell 1.27% over the past 24 hours to approximately $1.34 at the time of reporting. This has pushed the asset’s weekly decline to over 7%, hence compressing its market capitalisation to approximately $82 billion.
XRP/USD 24-hour chart. Source: Finbold
This divergence between bullish derivatives sentiment and falling spot prices is a recognized market pattern, often driven by mechanical liquidation cascades that override trader positioning. In XRP’s case, the primary catalyst was a long squeeze, in which the price drop forced overleveraged long traders to sell or be liquidated, amplifying the decline through cascading selling pressure.
XRP liquidation chart 24 hours. Source: CoinGlass
In the last 24 hours, about $6.69 million in XRP derivatives positions were liquidated, mostly affecting long traders and confirming that the long squeeze was the main dynamic.
#XRP $XRP