XRP has fallen 40 percent so far in 2026. Versan Aljarrah (버산 알자라), founder of Black Swan Capitalist, urged investors to avoid selling all their XRP and to keep a core holding.

The Crypto Basic, a blockchain media outlet, reported on Monday that Aljarrah argued XRP could be a hedge against the weakening of the traditional financial system.

In a recent post on X, formerly Twitter, Aljarrah said investors should leave a core position for ongoing holding rather than disposing of their entire stake. He sees XRP not as a speculative asset for short-term trading but as a long-term infrastructure asset that will play a role in the next stage of the global financial system.

The remarks came as XRP is going through what he described as one of its most difficult phases in recent years. XRP has fallen 40 percent since early 2026, and broader market anxiety and selling pressure continue. Even so, Aljarrah said XRP could protect holders while the existing financial system weakens.

Aljarrah has repeated the same view in the past. In January 2025, he said that by holding XRP, an investor could become their own bank and lender while explaining the need to hold XRP.

He also argued that profits earned from other assets could be moved into XRP and precious metals such as gold. Others with a similar view in the market forecast that a large-scale shift of wealth led by digital assets, tokenisation of real-world assets, and precious metals is under way.

Against that backdrop, XRP is being mentioned as a bridge asset that provides liquidity and supports payments. Aljarrah said stablecoin RLUSD and XRP have different roles, and also expressed the view that XRP and Stellar (XLM) can work together within a dual public payment framework.

He also interpreted technical trends as a long-term accumulation phase. Aljarrah said lows are rising on weekly and monthly charts, volumes are increasing and real-world use is expanding. "XRP is in a massive multi-year accumulation range, and classic bullish breakout patterns are forming. The longer this correction market lasts, the more explosive the breakout will be," he said.

Community reaction was mixed. Many participants agreed with a permanent core-holding strategy, while some cited XLS-66, a planned feature of the XRP Ledger, and mentioned the possibility of earning returns without selling XRP. Others said assets should be spread across multiple custody methods rather than concentrated in one place. Some, however, questioned XRP's long-term price outlook.

The key points to watch are whether regulatory clarity, broader banking adoption and increased tokenisation activity, repeatedly cited by Aljarrah, actually translate into greater XRP usage. Attention is also on whether the view of XRP as a long-term infrastructure asset will hold even as the market remains bearish.

XRP has been in a massive multi-year accumulation range. Higher lows on the weekly and monthly charts. Classic bullish breakout patterns forming. Volume rising as real utility expands. The longer this consolidation lasts, the stronger and more explosive the breakout will be. pic.twitter.com/iu1tTrk9m9