Analyst Sees XRP As a “Never Sell” Bet As Digital ID Era Looms

The host features a clip of Ripple president Monica Long laying out her case for decentralized identity in “crypto in a minute.”

Long argues that Web3 identity could let people “take back ownership” of their data from Big Tech platforms like Google, Facebook, and Apple, storing identity in a token that users can move globally and selectively grant access to. She also links this directly to financial inclusion, saying it could “blow open access” to services for underserved populations.

Edo Farina, however, reacts with mixed emotions: “I am both excited and terrified honestly.”

On the one hand, he expects tokenized digital IDs to drive more assets on-chain and increase demand for high-throughput, low-fee ledgers like XRP’s, which he calls “the number one choice for financial institutions” from an efficiency and energy-use standpoint.

On the other, Mr. Farina warns that if digital IDs are tied to central bank digital currencies (CBDCs), governments “can and will leverage digital ID to control you,” including behavior-based restrictions on access to funds and assets.

The video then turns to U.S. legislation often referred to as the “Clarity Act,” via a clip of Ripple CEO Brad Garlinghouse.

Ripple's CEO says codifying rules into law would not change Ripple’s core business much, but would “unlock the banks in the United States” that are currently wary of future enforcement risk. Garlinghouse notes some banks already acknowledge that XRP has legal clarity after Ripple’s court win, but still want statutory backing before “lean[ing] into this industry.”

Meanwhile, Edo Farina pairs this with his most aggressive thesis: Ripple’s treasury product is, he claims, “connected to 13,000 banks” and processes about $12.5 trillion in payments volume.

If even “a tiny fraction” of that migrated on-chain using XRP as a neutral bridge asset, he argues, it could dramatically impact price. He goes as far as saying Ripple is “the only company that can literally flip a switch and trillions of dollars can migrate on-chain overnight,” and cites this as a core reason he is “never selling” his XRP.

On market strategy, the analyst is blunt: he believes crypto is in a bear market and expects XRP could trade below $1 again.

Rather than trying to time that correction, he warns that many traders asking whether to sell now and buy lower are making “a tremendous mistake,” noting how exchanges often freeze or limit buys during sharp sell-offs, favoring “the big players.”

He argues the real opportunity was to take profits months ago when prices were higher, not at current depressed levels.

Now, Farina says, is a phase for dollar-cost averaging into “utility coins” that solve “real problems in real life,” and he predicts most speculative altcoins will “never recover” because there is no longer enough liquidity to sustain a classic alt season across thousands of tokens.

Digital IDs and regulatory shifts may eventually channel institutional and governmental flows onto public ledgers, and the analyst believes XRP is structurally positioned to benefit.

But in Edo Farina's view, the path there will be “a painful transition,” with regulatory risk, potential state overreach via digital identity, and a long, uneven market grind testing conviction along the way.

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