Analyst to Ripple CEO: XRP Investors Should Receive 0% Interest Rate. Here's the Reason.

Written by Ohris M. Greyoon, Blockchain & Crypto Expert

Source: Coinmarketcap

Updated: Dec 13 2025

Should l Buy XRP?

Transition in the Crypto Industry: The crypto industry is undergoing a significant shift as companies like Ripple integrate into regulated financial systems, raising questions about who should benefit from this transformation, particularly for long-term XRP holders.
John Squire's Advocacy: Crypto commentator John Squire has sparked a debate by suggesting that loyal XRP holders, who remained invested during challenging times, deserve zero-interest financial benefits, framing them as foundational stakeholders in Ripple's success.
Challenges for XRP Holders: XRP holders faced unique pressures, including regulatory uncertainty and market volatility, yet many stayed committed, providing stability to the ecosystem without any guarantees or compensation.
Evolving Expectations: Squire's message reflects a growing desire among XRP holders for recognition beyond market value, indicating that loyalty and endurance may become increasingly important in the future of crypto finance.

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Technical Analysis for XRP

Technical Sentiment Analysis for XRP (XRP) As of , XRP (XRP) is exhibiting a Sell technical sentiment. Our proprietary analysis, which aggregates 3 technical signals, shows that 0 indicators are flashing buy, while 3 are indicating sell.

Momentum Indicators: RSI, MACD & Overbought/Oversold Status Currently, the Relative Strength Index (RSI) for XRP stands at -, which suggests a Neutral condition. Meanwhile, the MACD (12, 26) indicator is at -, providing a Neutral signal for short-term momentum. Other oscillators like the Stochastic Oscillator at - and the Commodity Channel Index (CCI) at - further confirm a - outlook for the stock.

Support, Resistance & Moving Averages From a structural perspective, XRP is trading below its 60-day moving average of $- and below its 200-day long-term moving average of $-. Key price levels to watch include the immediate resistance at $- and strong support at $-. A break above $- could signal a bull continuation, while falling below $- may test the next Fibonacci floor at $-.

XRP (XRP) Support & Resistance Level

Name	S3	S2	S1	Pivot Points	R1	R2	R3
Classic	0.518	0.818	1.156	1.455	1.793	2.093	2.431
Fibonacci	0.818	1.061	1.212	1.455	1.699	1.849	2.093

About XRP

Launched in 2012, the XRP Ledger (XRPL) is an open-source, permissionless and decentralized technology. Benefits of the XRP Ledger include its low-cost ($0.0002 to transact), speed (settling transactions in 3-5 seconds), scalability (1,500 transactions per second) and inherently green attributes (carbon-neutral and energy-efficient). The XRP Ledger also features the first decentralized exchange (DEX) and custom tokenization capabilities built into the protocol. Since 2012, the XRP Ledger has been operating reliably, having closed 70 million ledgers.

About the author

Ohris M. Greyoon

Ohris M. Greyoon holds a Master’s in Computer Science from MIT and has 10 years of experience in blockchain technology and cryptocurrency markets. A pioneer in decentralized finance (DeFi) analysis, he leads Intellectia’s Crypto News, offering cutting-edge insights into digital assets.

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