XRP has lost 38% of its value over the past year. Bitcoin didn’t do much better, falling more than 16%. But a financial expert tells investors these numbers don’t tell the bigger picture.

Cash is also losing importance

This is John Vasquez, who goes by Coach JV on social media true story is not a short-term drop in prices – it is what happens to the dollar.

The data shows that the purchasing power of the US dollar has fallen by 28% over the past decade, from 43.10 to 30.9 on the Consumer Price Index.

During the same 10-year period, both Bitcoin and XRP their value increased almost 200 times. In this sense, Vasquez argues, keeping the cash on the sly has been the biggest loser.

His comments appeared in a post on

The XRP and Bitcoin narrative is getting stronger by the day. It will look good in the long run. Extreme volatility is expected in the compact term. pic.twitter.com/2BXRKw3MFD

— Coach, JV (@Coachjv_) April 12, 2026

Oil, credit and the global position of the dollar

Vasquez pointed to rising oil prices due to disruptions nearby Strait of Hormuz as a factor exerting inflationary pressure. At the same time, he warned of tightening credit conditions and, as he put it, a developing global credit crisis.

Countries moving away from dependence on the US dollar – a change often described as de-dollarization — are also part of what he believes is changing the financial order.

Reports show that he cited changes in interest rates in Japan and the expiration of the so-called carry trades.

These are moves by investors who borrow in low-interest currencies to buy higher-yielding assets elsewhere. When these trades loosen, markets can move quick and difficult.

He described two possible paths: one in which central banks continue to print money and keep interest rates low, worsening current imbalances, and one in which equity and credit markets experience a acute correction. In his opinion, neither path is conducive to holding cash.

Crypto continues to struggle as a short-term hedge

Cryptocurrency prices did not cooperate with this theory. From Tensions in the Middle East erupted again in February, Bitcoin and XRP held steady but didn’t go anywhere.

Markets showed relative stability but no growth. This sits awkwardly with the argument that geopolitical risk is driving money towards decentralized assets.

But Vasquez says the strategy is to accumulate during a downturn, not react to it. His long-term positioning includes XRP, Bitcoin, silver, and income producing assets.

Its main message is to prepare – financially and psychologically – for an economic environment that looks increasingly unstable.

Featured image from Meta, chart from TradingView