A crypto analyst known by the handle “Pumpius” on X (formerly Twitter) has identified three significant factors that could prevent most individuals from ever owning a meaningful amount of XRP.
The claims were made in a widely circulated post on X, where he outlined the cognitive, emotional, and behavioral patterns that may hold retail investors back from accumulating XRP.
According to the commentator, the first factor is a lack of understanding about what XRP represents. Many people, he said, still see XRP as just another digital token, failing to recognize its role as a financial infrastructure protocol.
He pointed out that concepts such as ISO 20022 compliance and On-Demand Liquidity remain largely unfamiliar to the average investor. This lack of insight, he warned, limits broader interest in the asset.
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In his breakdown, Pumpius identified emotional bias as the second factor. He claimed that the majority of retail investors want to earn profits fast, unlike the way XRP usually behaves. XRP is different from meme coins because it offers real uses and aims to be adopted by many in the future.
Most People Will NEVER Own Meaningful $XRP.
Not because they can’t.
But because they won’t — cognitively, emotionally, and behaviorally.
By the time they realize, the harvest will already be over.
Let me break this down for you 👇🧵 pic.twitter.com/A0R44GXKPm
— Pumpius (@pumpius) June 9, 2025
This is the reason why most investors are more interested in more volatile and noticeable assets. The third point is about behaviors, as Pumpius observed that few individuals use disciplined investing methods like dollar-cost averaging or long-term holding.
Many investors and experienced traders calmly buy XRP during tough times, but retail traders often leave during drops and tend to look for trendy digital assets. As a result, investors risk missing profit-making opportunities at important stages.
Retail Interest May Diminish as Institutional Access Expands
Pumpius also suggested that institutional involvement in XRP is already growing. He pointed to developments such as real estate tokenization in Dubai, the use of XRP in cross-border treasury functions, and expanding regulatory clarity around assets like RLUSD.
These changes, he indicated, are signs that significant entities are preparing for long-term integration of XRP into formal financial systems.
He pointed out that once XRP becomes well-known to the general public, it may become harder for the average person to access. High security, restricted solutions for new users, and strict guidelines could prevent many people from joining crypto markets.
The volume of XRP available to the public may be reduced due to bigger investors buying large amounts. In conclusion, the analyst emphasized that without overcoming key cognitive, emotional, and behavioral barriers, most individuals will likely miss the opportunity to secure a substantial stake in XRP.
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