‘Money And I’ ,the host of a popular YouTube crypto show, just doubled down on a long-term bet on XRP, Stellar (XLM) and Hedera (HBAR), arguing that real-world asset (RWA) tokenization is quietly reshaping the space while most traders chase meme coins and short-term pumps.
Framing the discussion around Warren Buffett’s 10-year holding rule, Money And I says most retail investors “only want to hold the coin for 10 minutes,” which is why “9 times out of 10 people end up losing more than they actually make” in crypto. His focus: established networks with institutional-facing infrastructure, even as their charts flash bearish signals.
RWA Momentum On XRP & Institutional Pilots
The analyst highlights XRP’s ecosystem as a key early RWA hub, citing a report that around $4 billion in tokenized real-world assets are now live on the XRP Ledger, spanning more than 500 products.
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He notes that this RWA market is already “four times larger than its entire ETF sector,” calling it a sign that the narrative around XRP is shifting from speculative trading to infrastructure and settlement.
An early institutional trial is set as an example: a treasury redemption involving JPMorgan Chase, Ondo Finance and Mastercard reportedly settled on the XRP Ledger “in roughly 4 seconds,” according to the companies involved. In his view, this kind of experiment is “literally just the beginning of something massive that investors definitely need to pay attention to.”
XLM & HBAR: Weak Price Charts, Long Horizon
Despite that bullish framing, the technicals he shares are subdued. XLM is shown trading around $0.18 with support near $0.17, very close to its late-June low, and his proprietary indicator has “fired” a fresh bearish momentum signal.
HBAR, meanwhile, is sitting near $0.068, back at a key support zone; Money And I recalls that during the last bear phase it bottomed closer to $0.048, implying further downside is possible.
For XRP, the same indicator has just flashed bearish momentum as well, with the token leaning on psychological support around $1. All three names are in unattractive short-term setups but attractive multi-year accumulation zones if investors are willing to look out to the next cycle.
Macro Jitters, Meme Distraction & The RWA Test
The broader market backdrop is tense. Bitcoin recently pushed toward $65,000 before pulling back, and the commentator blames part of the reversal on fresh geopolitical tension after remarks from former U.S. President Donald Trump about ending a ceasefire with Iran.
BTC support around $57,000–$58,000 has held so far, but the YouTube show host expects “another couple more years of back and forth action” and unpredictable headlines.
At the same time, Money And I sees a stark contrast between where capital is flowing and where underlying infrastructure is developing. He notes that Robinhood has launched its own blockchain, with the CEO publicly promoting RWAs as crypto’s future over meme coins.
Yet, liquidity is rotating into “Robinhood chain” meme tokens anyway, with decentralized screens “filled” with new tickers. The CEO has already softened the narrative, reportedly saying that while the chain is built for RWAs, “it works great for memes.”
For the analyst, this is classic cycle behavior: traders “chase the runners” on Solana and now Robinhood while ignoring RWA protocols that are building but haven’t yet rallied.
He argues that panic only makes sense for those with a short-term mindset and urges viewers to think in decade-long horizons if they want a shot at “a large amount of money,” while reiterating that none of this is financial advice and that he could be wrong.
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The video centers on XRP, Stellar (XLM) and Hedera (HBAR), framed as long-term RWA plays despite current bearish signals.
The host points to roughly $4 billion in tokenized RWAs on the XRP Ledger, over 500 products, and an institutional settlement test involving JPMorgan, Ondo Finance and Mastercard.
He sees the correction—partly coinciding with renewed U.S.–Iran tensions—as an opportunity to accumulate, assuming a multi-year investment horizon.
Money And I argues that traders are distracted by short-lived meme runs on Solana and Robinhood’s chain, while the more consequential shift toward real-world asset tokenization is being overlooked.
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