cashing out for cap gains is a bitch in the US -- 40% for switching back into dollars within a year, 20% one day after a year -- big difference

how to get around?

put your xrp up as collateral at Blockfolio and takes loans out in USDC --

put your usdc on celsius to earn 11% interest

pay back the loan, get your xrp back, if after a year from initial purchase you can cash out

hack the beast