Ripple, along with its cryptocurrency (which isn’t a stablecoin), has a large and active community, but it’s also faced criticism regarding its underlying technology. Over the last few years, its growing popularity has been remarkable, often exceeding the gains seen in its market value.
Whenever someone criticizes XRP, especially a well-known person in the crypto world, it usually causes a negative reaction.
A Bank Wearing a Hoodie?
As someone who’s been following the crypto space for a long time, I’ve always paid attention to what Davinci Jeremie has to say – he’s one of the earliest influencers, famously recommending Bitcoin when it was practically worthless. Recently, he shared some strong opinions on X, arguing that XRP’s design has some concerning elements, essentially suggesting it operates more like a traditional bank than a decentralized cryptocurrency.
He explained that some systems can have hidden controls, appear decentralized but aren’t, allow exits to be stopped, give insiders unfair advantages, or trap users with digital debts. He pointed out that Bitcoin avoids all of these issues.
Your favorite crypto project is just a bank wearing a hoodie.
*cough* $XRP
This project features hidden control, appears decentralized but isn’t, allows exits to be stopped, gives insiders unfair benefits, and traps users with IOU-based tokens. Bitcoin doesn’t have any of these characteristics.
Name one other project that doesn’t. I’ll wait.
— Davinci Jeremie (@Davincij15) March 11, 2026
As expected, many comments responding to Jeremie’s posts were critical. One person wrote, “That’s the most ridiculous thing I’ve ever seen from you. XRP has achieved everything Bitcoin originally aimed for—that’s just a fact.” Jeremie didn’t agree, but others supported his original viewpoint, stating that “XRP is worthless and doesn’t compare to Bitcoin.”
Finally, XRP’s Moment?
Unlike what was previously said, XRP Bags, a prominent voice within the XRP community on X, described the experience of holding the XRP token. They’ve observed that each year starts with high expectations, but those promises haven’t materialized – that is, until 2023, when a significant breakthrough occurred in the lawsuit against the SEC.
As a long-time XRP investor, it’s really exciting to see 2025 shaping up to be the year a lot of us predicted it would – a moment of validation. But even more encouraging is the outlook for 2026, which suggests the real growth for XRP is still ahead of us – we’re only just beginning!
the XRP holder experience:
Over the years, there’s been a growing sentiment around a potential shift in the financial landscape. Starting in 2017 with predictions of a banking revolution, the message evolved into calls for patience (‘just wait’) and continued investment (‘keep stacking’, ‘keep accumulating’). Even facing legal challenges in 2021, optimism remained. By 2023, there was a sense of partial victory, and the refrain returned to ‘told you’ in 2025, suggesting the initial predictions were on track, with the outlook continuing into 2026.
— XRP Bags BagMan (@XRPBags) March 13, 2026
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2026-03-14 15:45