XRP News Today: XRP surges to $3.65 reignites early investor debates with 730% gain since early days

XRP’s recent surge to an all-time high of $3.65 has reignited discussions about the significance of early entry points in the cryptocurrency market. The rally has drawn attention to investors who purchased the asset at fractions of its current value, with social media posts celebrating those who bought in under $0.50 as “legends.” The sentiment, popularized by crypto influencer XRP Queen (@crypto_queen_x), has sparked a wave of nostalgia and analysis from the community, highlighting the compounding effects of long-term holding strategies.

In a post shared on July 20, 2025, XRP Queen emphasized the exponential growth of the asset, which has surged nearly eightfold since its early days. The influencer’s message quickly gained traction, prompting users to share their investment timelines and entry prices. Some recounted purchases made at $0.10 or $0.19, while others admitted to narrowly missing the “legend” threshold by buying at $0.58. The responses underscored a mix of satisfaction, regret, and strategic reflections on dollar-cost averaging (DCA) approaches. One user detailed averaging into the asset at $0.49, claiming to have “just made the cut,” while another revealed a starting point of $0.75, now averaging $1.28 after additional purchases.

Beyond price benchmarks, the conversation expanded to include the scale of investments. Critics of the “legend” narrative argued that small purchases at $0.50 or below might not qualify as transformative, emphasizing the importance of quantity over mere price. Conversely, others highlighted how even modest amounts could gain significance with increased institutional demand. This perspective aligns with Ripple CTO David Schwartz’s public disclosure of his own entry at $0.006, illustrating the token’s meteoric rise and potential for further appreciation. Experts also noted that early adopters who weathered years of consolidation around $0.50 before the November 2024–January 2025 breakout have seen their patience rewarded.

While the debate over “legend” status centers on emotional and strategic dimensions of crypto investing, it also reflects broader themes of risk tolerance and conviction. For some, the key to success lies in buying at the right price; for others, it is the scale of holdings and unwavering commitment to a project’s long-term vision. Analysts caution that market dynamics remain unpredictable, yet they acknowledge the potential for continued growth, particularly as institutional adoption accelerates. The discourse has shifted from mere nostalgia to a nuanced reflection on the interplay between timing, patience, and belief in a project’s trajectory.

The viral post has since become a cultural reference within the XRP community, with users invoking it in discussions about risk-reward dynamics and the psychology of holding volatile assets. Whether as a celebration of past foresight or a reminder of future potential, the conversation reinforces the enduring appeal of cryptocurrencies as both speculative and strategic investments. As the asset continues to evolve, the collective experience of its holders serves as a case study in the transformative power of conviction and timing in the crypto space.