Analyst Issues Warning to XRP Holders, Says Majority Will Lose as Only a Few Cash Out Big

A popular crypto analyst has issued a stark warning to XRP community members amid anticipation for a potential price rally

According to Jaydee, XRP could be gearing up for what he called a “historical pump and dump” cycle. This indicates that he expects XRP to experience a massive price surge followed by a sharp crash, similar to what happened in past XRP cycles

XRP Historical Pump and Dump

Based on the accompanying chart, XRP’s last major cycle, specifically in 2017, illustrates the scale of volatility the token has previously endured. In 2017, XRP traded near $0.006 before exploding to $3.84 in early January 2018, according to Jaydee

During that period, some influencers projected eye-catching targets of up to $589. Instead of a continued surge, the token collapsed by 95%, wiping out many retail traders—those Jaydee labels as “dumb money.”

In his latest update, Jaydee argues that XRP is now positioning for another major rally, with potential upside to $21, representing a 982% spike from the current price of $1.94. However, he warns that the peak could coincide with aggressive social media promotion, as influencers amplify bullish narratives while preparing to exit their positions.

At that stage, he predicts, XRP could once again face a severe correction, triggered by early investors offloading their holdings and leaving latecomers exposed to a steep downturn

Many Will Lose and Only a Few Will Retire

He expects the same pattern observed in the 2017 market cycle to repeat, where ‘smart money’ sells at the top, while new retail traders are used as exit liquidity

Jaydee anticipates a sharp rally driven by hype, followed by a severe correction targeting what he calls his “bear pink box” region—zones on the chart where he expects price to retrace 95% from the top

Therefore, he emphasized that many investors will lose money, as these individuals would buy high and hold XRP through the drop. In contrast, he still expects a small group of investors who time the market perfectly to make life-changing gains and eventually retire their whole family

Expert Projects Different Outcome

Meanwhile, some crypto analysts dispute Jaydee’s prediction of another historical pump-and-dump cycle. Trader Moon Jay, in particular, argued that XRP’s market dynamics could shift as institutional adoption grows and the asset’s role in global payments expands.

He noted that while large investors were responsible for the severe sell-offs seen in past cycles, the institutions now acquiring XRP for payment utility or treasury reserve purposes are unlikely to unload their holdings in the same way. According to him, these utility-driven players won’t replicate the whale-driven dumps that fueled previous market collapses