XMRUSD
Monero / United States dollar
crypto Composite

I felt compelled to also mention XMR if we are going to talk about crypto that is decentralized and censorship resistant for obvious reasons.

Yeah it seems petty, one of the better solutions for XMR.

Old news. When the Fed dropped the required reserve currency for member banks to ZERO in April 2020, there was nothing to do but get all savings out of cash. It was clear that a massive dollar devaluation was on the horizon. XMR has nearly quintupled since then. A majority of that is simply the dollar itself evaporating in value. Who's the 'ghost coin' then? when the paper you hold in your hand loses value like that, just POOF!

Sure, but govt issued currency will lose value once Cryptocurrencies become medium of exchange.
Anyway, lets say in an ideal world, we have BCH or XMR as the only currencies / money.
How do we envision loans working?
In the gold standard before fractional reserve, ppl would save their gold in the banks, and based on how much gold the banks had aka the collective savings of the society, the loans were issued ie. new investments were made, which enabled innovation and increased productivity of our society, and in turn increase the value of gold too, as we had more goods and services.
But without banks, I am wondering how would loans via individual hardware wallets work.
I am saying without banks because banks will inevitably start fractional reserve on crypto as well, so can't trust them anymore.

Everyone says the coin they shill is what BTC was supposed to be. XRP army says the same shit. Basically, most of these projects that aren't memes, gaming, etc, are simply trying to mimic BTC and create the narrative of being what "BTC" was supposed to be. The closest thing to BTC, literally is DOGE and LTC, their coding is almost identical to BTC. Then, BCH is actually what BTC in the was in the beginning when they did the hard fork because BCH is the original code and still had the anonymity of P2P similar XMR.
The main difference between BTC and every other coin, and this was mentioned, is that BTC is pre-mined. It's the only digital asset that has a fixed supply of 21Mil(3mil lost) based on its coding and algorithmic structure. The last BTC won't be mined until 2140 based on its four year halving structure, and not one entity owns it. Every other crypto can create tokens out of thin air if they choose to, every other crypto has a huge team of developers, VC's, in their inception that can easily dump, manipulate whenever they want to. The projects like ETh, where Vitalik stepped away and is letting the community governance its future, is a great step for the future of Cryptocurrency. Also, everything but BTC is a Cryptocurrency, while BTC is literally a digital asset. I suggest doing more research on these topics before spewing asinine comments about "Kaspa" being what BTC was supposed to be, just like the 100's of other token projects making the same claim, but carry on, mate. I wish you nothing but the best in your journey.

Send me your BTC then buy your own LTC 🤣🤣
And all seriousness though.. For me personally Edge Wallet has been clutch for low fees and another way to pick up XMR

I felt compelled to also mention XMR if we are going to talk about crypto that is decentralized and censorship resistant for obvious reasons.

Yeah it seems petty, one of the better solutions for XMR.

Old news. When the Fed dropped the required reserve currency for member banks to ZERO in April 2020, there was nothing to do but get all savings out of cash. It was clear that a massive dollar devaluation was on the horizon. XMR has nearly quintupled since then. A majority of that is simply the dollar itself evaporating in value. Who's the 'ghost coin' then? when the paper you hold in your hand loses value like that, just POOF!

Sure, but govt issued currency will lose value once Cryptocurrencies become medium of exchange.
Anyway, lets say in an ideal world, we have BCH or XMR as the only currencies / money.
How do we envision loans working?
In the gold standard before fractional reserve, ppl would save their gold in the banks, and based on how much gold the banks had aka the collective savings of the society, the loans were issued ie. new investments were made, which enabled innovation and increased productivity of our society, and in turn increase the value of gold too, as we had more goods and services.
But without banks, I am wondering how would loans via individual hardware wallets work.
I am saying without banks because banks will inevitably start fractional reserve on crypto as well, so can't trust them anymore.

Everyone says the coin they shill is what BTC was supposed to be. XRP army says the same shit. Basically, most of these projects that aren't memes, gaming, etc, are simply trying to mimic BTC and create the narrative of being what "BTC" was supposed to be. The closest thing to BTC, literally is DOGE and LTC, their coding is almost identical to BTC. Then, BCH is actually what BTC in the was in the beginning when they did the hard fork because BCH is the original code and still had the anonymity of P2P similar XMR.
The main difference between BTC and every other coin, and this was mentioned, is that BTC is pre-mined. It's the only digital asset that has a fixed supply of 21Mil(3mil lost) based on its coding and algorithmic structure. The last BTC won't be mined until 2140 based on its four year halving structure, and not one entity owns it. Every other crypto can create tokens out of thin air if they choose to, every other crypto has a huge team of developers, VC's, in their inception that can easily dump, manipulate whenever they want to. The projects like ETh, where Vitalik stepped away and is letting the community governance its future, is a great step for the future of Cryptocurrency. Also, everything but BTC is a Cryptocurrency, while BTC is literally a digital asset. I suggest doing more research on these topics before spewing asinine comments about "Kaspa" being what BTC was supposed to be, just like the 100's of other token projects making the same claim, but carry on, mate. I wish you nothing but the best in your journey.

Send me your BTC then buy your own LTC 🤣🤣
And all seriousness though.. For me personally Edge Wallet has been clutch for low fees and another way to pick up XMR

ETH will in time imo no doubt, depends on the acceleration of tokenized assets, ETF inflows, and stablecoin legislation. LINK should, there has been too much good news surrounding it for it not to, though it’ll take some time. JPM using chainlink recently has been fantastic to see and I expect it to be a standard down the line. LTC will at the cycle’s complete peak per usual, tends to run like XMR in terms of acceleration of the bull market and usually marks the first top/ final top. ADA, nahhh.

Regarding atomic swaps: Atomic swaps with Ethereum tokens have also been done. The problem is that the Monero side has no skin in the game until the Ethereum side has already interacted with smart contracts, but the Ethereum side has no guarantee that the Monero side will follow through with the swap before spending those transaction fees and locking their funds on chain for an extended period. The problem is similar with XMR/BTC atomic swaps. As I understand it, Reto is dealing with that issue by requiring a deposit from both sides.

Most mentions on r/cc (2025-05-14 00:00:00):
||Mentions|
|:-|:-|
|BTC|177|
|ETH|48|
|SOL|35|
|MOON|30|
|XRP|26|
|LINK|14|
|SAFE|12|
|XMR|12|
|ATH|11|
|LTC|9|
|USDT|9|
|DOGE|8|
|SNT|8|
|NANO|7|
|ADA|6|
|MATH|6|
|ONDO|6|
|SUI|6|
|AMP|5|
|FLOW|5|
[Data source and app](https://www.redditcoins.app/)

Depends on what you can afford?
Generally I'd recommend users to invest in anything that's still active that "has, is working towards, or develops" smart contracts. 
My favorites are ADA, ATOM, DOT, ALGO, POL. 
All still relatively cheap, with the exception of ADA. 
It also doesn't hurt to buy a small amount of let's say LTC/XMR/BCH (alternative Proof of Work cryptocurrencies that are still around, because you can buy whole coins right now). 
You never know? I remember when Ethereum was like $8 and look at it now. 

> 1) Monero has solved the Bitcoin security security problem with its tail emission (fixed block reward of 0.6 XMR per block). There is simply no evidence that transaction fees can replace the falling block rewards as envisioned by Satoshi https://bitinfocharts.com/comparison/fee_to_reward-btc-xmr-bch.html#log&alltime
A total non-problem used to justify Monero not having a supply cap.
>2) Monero has accomplished 1) while still being harder money than gold thereby being inflation free.
It's still down 80% vs Bitcoin.
>3) Monero has an adaptive blocksize that will allow for mass adoption on layer 1. This is the case even as a typical Monero transaction will be about 10x than a typical Bitcoin transaction after FCMP++ The reality is that by early 2026 1 GB blocks will be equivalent to 1 MB blocks when the Bitcoin genesis block was mined in 2009. The is just Nielsen's Law of Internet Bandwidth https://www.nngroup.com/articles/law-of-bandwidth/ or 1.517.1 > 1024
Monero no more scaleable on L1 than any other coin. There are always trade offs.
>Furthermore it has not been shown that a Quantum computer adversary can break this POW.
Same with Bitcoin.

Most mentions on r/cc (2025-05-14 00:00:00):
||Mentions|
|:-|:-|
|BTC|177|
|ETH|48|
|SOL|35|
|MOON|30|
|XRP|26|
|LINK|14|
|SAFE|12|
|XMR|12|
|ATH|11|
|LTC|9|
|USDT|9|
|DOGE|8|
|SNT|8|
|NANO|7|
|ADA|6|
|MATH|6|
|ONDO|6|
|SUI|6|
|AMP|5|
|FLOW|5|
[Data source and app](https://www.redditcoins.app/)

Meme coins doesn’t equal alt coins. XMR is still pumping.

If you are not free to trade, you are not free. This is the basic freedom people have fought again and again for. Remember the Boston Tea Party?
Monero doesn't solve each and every problem of the world, but it allows a place where you can trade freely, without the State saying what can or can't be traded.
If this is not freedom, then what is it?
That said, I agree with you that freedom can be much more than trade. Still, IMO, Monero is freedom as it is a tool for free trade and as trade is concerned. And being a tool for free trade, it lets us finance other forms of freedom (if the truckers in Ottawa in 2022 had received XMR instead of money from GoFundMe, the State couldn't have done what it did).