The crypto industry is entering a defining transition phase. Blockchain companies such as Ripple are no longer operating at the edges of finance. They are integrating directly into regulated financial infrastructure. As this shift accelerates, a critical question is emerging. Who truly deserves to benefit from this transformation?
For XRP holders, this question carries unusual weight. The XRP community endured prolonged uncertainty, market pressure, and reputational risk. While many exited, others remained committed. That long-term conviction is now driving a broader conversation about recognition and fairness.
John Squire Sparks the Debate
Crypto commentator John Squire reignited this discussion with a public message directed at Ripple CEO Brad Garlinghouse. His statement quickly gained traction across the XRP community. It reflected sentiments many long-term holders have quietly shared.
Squire framed his argument around loyalty and endurance. He emphasized that XRP holders stayed invested during the most difficult chapter in Ripple’s history. That period included regulatory battles, exchange delistings, and years of constrained price action.
Hey @bgarlinghouse XRP HOLDERS who held through everything now that Ripple is officially a bank deserve 0 percent interest rates. 🏦🫡
Diamond hands should count.
Make it happen. pic.twitter.com/5wu7c9bETH— John Squire (@TheCryptoSquire) December 12, 2025
XRP Holders and the Cost of Conviction
Few digital asset communities faced pressure comparable to XRP holders. The SEC lawsuit created systemic uncertainty around XRP’s legal status. Liquidity declined, institutional access narrowed, and public narratives turned sharply negative.
Despite these conditions, a core base of holders remained. They absorbed opportunity costs and market volatility. In effect, they provided long-term stability to the ecosystem without contractual guarantees or direct compensation.
Ripple’s Expanding Role in Regulated Finance
Ripple’s launch of RLUSD in December 2024 further reinforced this positioning. The stablecoin aligns Ripple more closely with regulated financial frameworks. This evolution shaped the context of Squire’s argument.
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The Zero-Interest Proposal Explained
Squire suggested that loyal XRP holders deserve access to zero-interest financial benefits. His proposal was symbolic rather than procedural. It framed XRP holders as foundational stakeholders, not passive speculators.
The idea reflects a broader principle. Those who bore the greatest risk during uncertain periods should share in structural advantages later. In traditional finance, early capital often receives preferential terms.
Practical and Regulatory Realities
Implementing holder-based financial privileges would be complex. Regulatory compliance remains central to Ripple’s strategy. Any differential treatment would require careful legal structuring.
Ripple has made no public commitment to such programs. The company continues to prioritize institutional trust and regulatory clarity. That stance limits near-term possibilities but does not invalidate the underlying sentiment.
A Signal of Changing Expectations
Squire’s message represents more than a specific demand. It signals evolving expectations within the XRP community. Long-term holders increasingly seek recognition beyond market appreciation.
As Ripple enters its next growth phase, this conversation may persist. Loyalty, patience, and conviction are becoming harder to ignore. In the future of crypto finance, endurance may finally carry tangible weight.
Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.
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