Software Engineer Says Buying XRP or XLM Now Is Too Late If…

Interest in Stellar’s XLM has surged in recent days after a major announcement involving the Depository Trust & Clearing Corporation (DTCC), one of the most important pieces of financial market infrastructure in the U.S.

The development has fueled optimism around Stellar’s future role in tokenized assets and prompted renewed debate among investors about whether XLM now offers more upside than XRP.

Some traders have even discussed moving capital from XRP into XLM. Software engineer and crypto commentator Vincent Van Code (@vincent_vancode) believes investors should take a longer-term view.

The Fast-Money Opportunity Has Passed

Despite the renewed enthusiasm, Van Code offered a measured assessment of the current market. He stated, “Buying XLM now is too late if you want to make fast money.” He shared a similar view on XRP, adding that it is “kind of already too late” for investors seeking rapid gains.

His comments focused on expectations rather than the long-term outlook for either asset. According to Van Code, the market has already moved significantly, making it harder to achieve the type of quick returns many traders hope to capture by buying now that XLM has momentum.

Utility Adoption Remains the Main Story

While Van Code expressed caution regarding short-term gains, he remains optimistic about what comes next. “Utility adoption of XLM and XRP hasn’t begun yet,” he said. He believes that phase could generate year-over-year returns of 50%-70%, and potentially more.

The argument centers on real-world usage rather than speculation. As tokenization, cross-border payments, and blockchain-based settlement systems continue to expand, supporters of both assets expect utility demand to become a larger factor in valuation.

XRP’s Future Continues to Generate Debate

Several community members focused on XRP’s long-term potential. One commenter questioned what could happen if banks broadly adopted XRP through Ripple’s ecosystem, arguing that the asset is not yet priced according to its utility.

This opinion challenges the assertion that it’s too late to get into XRP. However, Van Code pointed out that banks would likely not use XRP directly, but adopt it through Ripple’s systems and the XRP Ledger.

Another community member cited a previous prediction by Van Code involving a possible $500 XRP price by 2035. Van Code responded that he does not make direct price predictions and instead shares views on how prices could perform under certain conditions.

Many investors remain focused on utility-driven growth. For Van Code, that is where the next chapter for XRP and XLM may emerge. These assets are for long-term investors, not those looking for a quick price increase.

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 advised to conduct thorough 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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