Vincent Van Code, a crypto analyst, posted five investment strategies for XRP long-term holders on X (formerly Twitter) on May 5. The advice leans heavily on self-custody and diversification — and pushes back on the idea that crypto alone will deliver quick wealth.
Keep your keys, keep your coins
Van Code recommends storing XRP in personal wallets where users control private keys. The reasoning: exchanges and third-party services introduce risk. He points to XRP's 5x price surge over recent months as evidence that holding through volatility can pay off — but only if you actually hold the assets yourself.
Borrow only if a bank holds your XRP
The analyst advises against borrowing against XRP unless banks offer secure custody solutions. If that happens, he says borrowers could redirect funds into traditional assets like stock indexes and precious metals. The message: don't lever up on crypto without institutional-grade custody.
Spread the risk, don't go all-in
Van Code emphasizes diversifying across multiple asset classes rather than concentrating capital in a single sector. That's a standard portfolio principle, but he frames it as a direct warning against the all-in mentality that still grips parts of the crypto community.
Careers over crypto moonshots
He warns against expecting rapid wealth generation from cryptocurrency alone. Instead, he recommends prioritizing career development and professional skills. The implication is blunt: a steady paycheck and growing expertise are more reliable than hoping for the next 10x.
