The prompt alludes to common advice or sensational headlines in the crypto space. If you own Ripple (XRP), Stellar Lumens (XLM), Hedera (HBAR), and Sui (SUI), the "must do now" is to practice sound, well-researched investment principles and security best practices.

This is not specific trading advice, but a general framework for managing these and other crypto assets.

Core Actions You Must Consider Now
1. Review and Enhance Security 🛡�
The most crucial step is protecting your assets, regardless of market conditions.

Self-Custody (Recommended): Transfer your tokens from exchanges to a non-custodial wallet (like a hardware wallet) where you control the private keys (your 12- or 24-word seed phrase). If you don't own the keys, you don't own the crypto.

Secure the Seed Phrase: Write down your seed phrase and store it offline in a safe, secure, and fire-proof location. Never store it digitally (e.g., in a photo, email, or cloud service).

Enable 2FA: Ensure you have Two-Factor Authentication (2FA) enabled on all crypto exchange accounts you still use, preferably using an authenticator app (like Google Authenticator or Authy) instead of SMS.

2. Research and Re-Evaluate Your Thesis 🧠
XRP, XLM, HBAR, and SUI are all utility-focused projects with different goals. You must re-check why you originally invested.

XRP (Ripple): Focuses on cross-border payments and enterprise liquidity solutions (On-Demand Liquidity - ODL). What's the status of its regulatory case and new partnerships?

XLM (Stellar): Aims to be a low-cost, fast payment network for individuals and financial institutions, often focusing on remittances. What new features or real-world adoption are being implemented?

HBAR (Hedera): Uses a unique Hashgraph consensus for high-speed, secure, and enterprise-grade applications, backed by a governing council of large corporations. Are the council members launching significant projects?

SUI (Sui): A Layer 1 blockchain built on the Move programming language, focused on high throughput and a dynamic asset model, competing with other Layer 1s. How is its decentralized finance (DeFi) and gaming ecosystem growing?

3. Consider Staking or Earning Potential 💰
These tokens, depending on the network, may offer opportunities to earn yield, which helps your holdings grow over time.

HBAR & XLM: Both networks typically offer staking or earning options through wallets or exchanges to help secure the network.

SUI: As a Proof-of-Stake (PoS) network, SUI can be staked directly to validators to earn rewards.

XRP: While technically not "staking" in the traditional sense, some platforms may offer lending or other yield products for XRP (exercise caution with these).

4. Adjust Your Portfolio Allocation ⚖️
Cryptocurrency markets are volatile and shift rapidly. A smart investor adjusts based on their risk tolerance and current market events.

Set Clear Goals: Determine what price points would trigger a partial sale (to take profit) or a new purchase (to average down).

Diversification: Evaluate your overall crypto portfolio. Does your concentration in these four tokens expose you to too much risk? A healthy portfolio typically includes exposure to established assets like Bitcoin (BTC) and Ethereum (ETH) alongside your "altcoin" holdings.

Have an Exit Strategy: Never assume prices will only go up. Decide on a scenario where you would sell your position (e.g., if a major fundamental aspect of one project fails or if the price drops below a certain point).