Pundit Sees XRP Hitting $20 to $30 Top, But Here’s Why He Thinks a Correction Could Follow

An XRP community pundit has insisted on his ambitious cycle top target for XRP, but believes a sharp correction is likely to follow.

XRP recently surged to $3.60, breaking past the key $2 resistance and triggering bullish sentiment across the market. As excitement builds, analysts have continued to express their bold targets.

XRP to Correct After $20 to $30 Top

One of the most outspoken market pundits is Zach Rector, a well-known figure in the XRP community and a media commentator. He believes XRP still has room to run, setting a cycle top between $20 and $30.

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However, Rector said he expects XRP to correct after hitting this top, a view which Johnny Utah, an XRP proponent, countered. Utah argued that the market has entered a new era shaped by regulation, real-world adoption, and growing institutional interest through ETFs. 

His view aligns with sentiments from Bitcoin advocate and Strategy Chairman Michael Saylor, who also believes the usual four-year cycle no longer applies. Saylor claims that Bitcoin won’t see a major correction until it hits $1 million. Utah shares this belief but applies it to XRP instead.

Responding to Utah, Rector agreed that the crypto market has changed, but he stood by his call. He pointed out that despite changes in the market, the global liquidity cycle still influences how assets move. More importantly, he emphasized that investor behavior hasn’t changed, as people will still take profits, leading to corrections.

In a separate follow-up post, Rector clarified his stance. Specifically, he said that even though crypto’s four-year cycles might not play out like before, the emotional swings and decisions investors face remain constant. 

The 4 year crypto cycles have been disrupted but people are still going to take profits. Which is why I still believe after a $20-$30 XRP top we will see atleast a 50% correction. Not encouraging folks to trade this move but instead, just making sure you are ready to stomach that…

— Zach Rector (@ZachRector7) July 22, 2025

For instance, if XRP reaches $20 to $30, he expects many holders to take profit. As a result, he predicts at least a 50% correction. However, Rector clarified that his aim is not to encourage people to trade the move, but to urge them to prepare for what a steep drop could mean for their portfolio. 

Other Bullish XRP Cycle Top Predictions

Meanwhile, besides the Rector, other analysts have also made bullish predictions for XRP’s cycle top. For one, Tony Severino expects a quick move to $13, driven by a breakout from a long-term triangle. He believes the rally could happen within 40 days, mirroring the speed of XRP’s 2018 climb. 

Also, market analyst CasiTrades initially set a July target between $6.50 and $8 but said XRP could push up to $26 before year-end if the momentum holds.

Further, EGRAG previously used past data to project an average top of around $20, though he noted that he sees the possibility of a run as high as $33 if XRP mirrors its 2017 performance. He believes the price could land anywhere between $7 and $21, depending on how the cycle plays out. 

Meanwhile, researcher Ripple Van Wickle expects XRP to reach around $14 as Bitcoin heads toward $140,000. Also, Armando Pantoja predicts a maximum of $25 over the next two years, dismissing market cap concerns.