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Introduction to Joe and Crypto Experience

• Joe has been investing in crypto for over a decade, since around 2015-2016.
• He was introduced to Bitcoin by his dad and brother, who used it to buy and sell jerseys.
• Joe's experience in banking and working with cross-border payments led him to appreciate XRP's potential for facilitating these transactions efficiently.

Approach to Crypto Market Volatility

• Joe advises investing in coins you believe in and letting them sit, rather than trying to time the market.
• He emphasizes the importance of having a long-term mindset, as crypto markets can be volatile and may take years to see significant gains.

Bullish Thesis on XRP

• Joe is bullish on XRP due to its ability to facilitate cross-border payments and provide liquidity.
• He sees the regulatory clarity with the SEC as a positive factor, believing it proves Ripple and XRP are seen as a threat and have potential.
• Joe likes the innovative technology and leadership of Ripple, including the recent introduction of a stable coin, RLUSD.

Investment Strategy and XRP Price Predictions

• Joe recommends dollar-cost averaging and diversifying investments.
• He believes getting to 2,600 XRP (a level that could put an investor in the top 10% of XRP holders) is a good target, but it's essential to diversify and not put all money into one coin.
• Joe predicts XRP could reach $5 to $6 in the near future and potentially $7 to $13 by November, with a more optimistic scenario of reaching $20 if everything goes well for Ripple and XRP.

Final Thoughts

• Joe is optimistic about the future of crypto with the new administration and believes XRP will lead the way.
• He encourages a long-term focus and cautions against trying to time the market or selling based on arbitrary goals rather than market evaluation.