The XRP Holder Experience: 10 Peculiar Yearly Experiences from 2017

XRP holders have waited years for big moves. BagMan (@XRPBags) highlighted their decade-long patience on X, subtly teasing the community’s consistent optimism at every stage.

His post captured the community’s evolving sentiment of the community from the early hype to the present. While some see it as unfounded hope, many in the community still believe something big is coming.

Early Hype and Long Waits

2017 started with bold expectations. BagMan described the community’s hope as, “This is going to change banking forever.” By 2018, after hitting an all-time high, the message shifted to “just wait,” as it experienced notable declines for the rest of that year. In 2019, while XRP had not regained previous highs, holders were told to “keep stacking”.

Each year, the community stayed committed, even as markets fluctuated. BagMan’s timeline emphasizes how persistent hope has become almost ritualistic.

the XRP holder experience:

2017 — "this is going to change banking forever"
2018 — "just wait"
2019 — "keep stacking"
2020 — "SEC who?"
2021 — "SEC lawsuit, this is actually bullish"
2022 — "just wait"
2023 — "WE WON (partially)"
2024 — "Keep accumulating"
2025 — "told you"
2026…

— XRP Bags💰👨🏽‍🚀 BagMan (@XRPBags) March 13, 2026

SEC Lawsuit and Reactions

Late 2020 brought the SEC lawsuit. XRP holders largely dismissed it. When the case intensified in 2021, some viewed developments as “actually bullish” because the asset rose as high as $1.96. BagMan’s post highlights the irony. Despite facing regulatory scrutiny, holders continued to interpret challenges as steps toward future gains, never reducing their expectations.

Clarity, ETFs, and Market Movements

In 2023, Ripple’s legal victory reinforced the holders’ narrative. This triggered XRP to gain strength. Late 2024 saw a return to form, as the asset surged 500%. However, the token has remained largely within a defined range. At every major milestone, the community maintained the same approach, believing that more is coming.

2025 came with breakthroughs, including the end of the lawsuit and the launch of multiple spot XRP ETFs later in the year, creating new market opportunities. XRP also reached a new all-time high of $3.65, but has failed to sustain the momentum. The asset has been consolidating for over a year.

We are on X, follow us to connect with us :-

— TimesTabloid (@TimesTabloid1) June 15, 2025

2026: Just Getting Started

For 2026, BagMan summarized the community’s mindset with “just getting started.” The timeline from 2017 to 2025 shows a decade of long patience. BagMan teases the holders for continuing the same mindset despite repeated cycles of highs and consolidations.

However, many in the XRP army still believe something big is coming. Many analysts and experts have set bullish targets for 2026, and while the asset has struggled recently, they are convinced that the breakout is just around the corner.