There is a fren in the group who posted a holdings screenshot last night – 1200 XRP, with the price at $1.94 at that time. Following that was a series of ambitions: "Target 5 bucks... 10 bucks... even 100 bucks..." and they specially added a screen full of exclamation marks. The group immediately erupted, with voices of "amazing!" and "faith!" rising and falling.

But as I looked at that list full of expectations, I couldn't help but think of another question—if XRP really rises to 100 dollars, will he be able to hold on? Will he rush to cash out at 5 dollars or be crushed by fear during a sudden drop?

Honestly, this is the most common storyline in the crypto world: excitedly bottom-fishing at the lows, with dreams of overnight wealth in mind. But reality is always cold - the vast majority of people don't miss opportunities due to lack of insight, but rather their mindset collapses and they can't hold their Holdings.

Severe fluctuations are like a sieve, easily filtering out those unprepared Holdings. True long-term holding cannot rely solely on shouting slogans for courage, but requires a complete asset management framework. The key is: one part of the position should chase high-growth potential coins, while another part should build a defensible position with stable value.

This is the role of stablecoins. When the market soars, you can quickly exchange some of your floating profits into stablecoins, essentially putting your profits in your pocket; when the market falls into panic and prices plummet, the stablecoins in your hand become excellent "bullets" for buying the dip. In this way, you won't be held hostage by greed, nor will you be knocked down by fear.