- Analyst warns XRP crash expectations may cost investors massive gains.
- Institutions quietly accumulate XRP while retail waits for price drop.
- XRP could surge to $100 before most investors react.
A well-followed digital asset commentator has warned that a critical misstep is likely to leave many investors behind as XRP approaches a potential surge. According to crypto pundit “Pumpius,” most people will miss XRP’s predicted climb to $100 because they are still waiting for the token to crash before buying.
In a series of posts shared on X, Pumpius disclosed that institutional investors are steadily accumulating XRP through off-exchange channels.
This gradual accumulation, which occurs as retail players remain on the edge, has sparked the debate as to whether we are on the verge of a significant price shift that is expected to occur suddenly.
According to Pumpius, the general mood of the retail traders presupposes a correction. This assumption has postponed purchase considerations to the extent of causing what he termed as the ultimate entrapment.
Also Read: Tokenized Assets on XRPL Explodes by 2,260% in July – Here’s What It Means for XRP
Meanwhile, the fact that CME has XRP futures and that BNY Mellon has what it calls safe custody developments indicates that institutional players are gearing up for a significant move.
Another critical milestone named by the analyst regarding Ripple is the passing of the GENIUS Act. The act is said to clear the way for Ripple to play a key role in U.S. payment systems, and the long-term effect will make XRP a stronger player.
THEY ARE SETTING THE TRAP: MOST WILL MISS THE $XRP RUN TO $100 WHILE WAITING FOR A CRASH 🚨
Wall Street whales, banks, and shadow funds are quietly loading billions off-exchange.
The real move? $3.50 to $100 and most will miss it. 👇👇👇🧵 pic.twitter.com/ELYPuBgJms
— Pumpius (@pumpius) July 21, 2025
Major institutions are in search of a large-scale exposure to XRP despite being criticized in the past.
Institutions Are Positioning as Retail Waits
Further insights revealed that XRP’s role is evolving beyond cross-border payments. With the introduction of the DNA Protocol, the XRP Ledger is expected to support digital identity and genomic data.
This innovation is seen as laying the foundation for a new BioFi ecosystem, expanding XRP’s utility and potential valuation.
According to Pumpius, the price path may not follow a gradual climb. Rather than move sideways, XRP might go through a sequence of price leaps, first passing the mark of $3.50, then reaching the mark of $10, and finally $100, in a manner that does not leave traders enough time to recalculate.
He further stated that publicity will define such a move as speculative, as insiders will interpret it as a factor of utility.
The analyst warned that those looking forward to a crash will miss the next growth period. Historical attempts to scare people, legal ambiguity, and a putdown of the prices can be used to entice retail investors into holding or entering the market too late.
The analyst’s caution follows the increased institutional appetite and policy changes that have increasingly favoured Ripple.
As significant actors continue accumulating XRP, waiting for a price dip could be a costly mistake. According to the latest commentary, the next phase for XRP may unfold faster than many expect, with limited opportunity to enter once it begins.
Also Read: XRP Rich List Update: Here’s How Much XRP is Required to be Among the Top 10 Holders
