A Bitcoin investor recently shared four reasons he chose to sell all his BTC tokens and re-invest everything in XRP.

Pseudonymous market commentator Crypto X AiMan is going all in on XRP. The seasoned crypto investor, who claims to have entered the Bitcoin market while the token changed hands at $3,000, took to X to reveal four reasons he made the bold decision, which has triggered mixed reactions from community figures.

XRP Boasts Legal Clarity

According to him, the first reason behind this move was the fact that XRP remains the only crypto asset with actual legal clarity in the United States. Notably, most regulatory bodies in the U.S., especially the SEC, have always treated Bitcoin as a commodity, raising no question about its status.

Most recently, former SEC Chair Gary Gensler reiterated this stance, arguing that Bitcoin stands out among multiple “speculative crypto assets.” However, this stance often means Bitcoin’s regulatory clarity remains uncontested, with no opportunity for any courts to attest to it.

Other crypto assets have an opportunity to pass through legal scrutiny and emerge as fully compliant with regulatory provisions, and XRP remains the only crypto asset to do this. While Bitcoin has regulatory clarity, XRP is the only asset to come under scrutiny and emerge with legal clarity when Judge Torres declared it a non-security in July 2023. AiMan believes this makes XRP unique.

Ripple’s Substantial Holdings

Meanwhile, the second reason he chose to move from Bitcoin to XRP was Ripple’s substantial XRP holdings. For context, Ripple currently holds 39.6 billion XRP tokens, accounting for nearly 40% of the total XRP supply. While most see this as a deal-breaker, sparking centralization fears, AiMan believes it may be bullish.

He noted that Ripple has formed partnerships with multiple central and commercial banks as well as payment giants. Notably, such partnerships typically center on leveraging Ripple Payments for cross-border settlements, and Ripple’s substantial XRP holdings could mean the firm using these tokens to power some of these settlements, especially if the institutions in question permit it. 

XRP’s Utility and Potential 

For the third reason behind his move, AiMan called attention to the fundamental differences between XRP and Bitcoin. According to him, Bitcoin, which many regard as digital gold, remains slow and expensive to move. On the other hand, he calls XRP the digital dollar for facilitating cross-border payments, arguing that the token is fast and cheap, and people actually do use it for its purpose.

Meanwhile, his fourth reason bordered on XRP’s potential. While the market pundit admitted that Bitcoin has a much higher valuation than XRP, currently boasting a market cap of $1.79 trillion, he claimed that the cross-border payments market, which XRP looks to dominate, has a volume of $250 trillion. 

However, it is important to note that the $250 trillion volume is merely a projection for 2027. Nonetheless, AiMan highlighted the prospect of XRP capturing only 1% of this projected volume, a milestone that could boost its utility and price. 

“If I’m wrong? XRP probably goes to zero, and I lose everything,” the pundit said. However, he noted that if he’s right about his decision, he would be “laughing in my Lambo” while others who chose to stick with Bitcoin are still waiting for an extended time for 1 block confirmation. 

While he acknowledges that most investors may see his decision as foolish, he noted that people also laughed at him when he bought BTC for $3,000. “They’re laughing now. They won’t be laughing for long,” AiMan concluded.

Jake Claver, CEO of Digital Ascension Group, has issued a new caution to XRP holders.

In his latest disclosure, he noted that while many holders hope for the next major price breakout, only a few are prepared for the real challenges that come after profits appear. According to him, taxes, frozen accounts, and security risks often blindside investors who only plan for the upside.

Claver noted that his firm specializes in helping crypto holders not only accumulate wealth, but also keep it. He stressed that planning before the price moves is far more effective than scrambling when XRP begins a major rally.

Stage One: Preparing for Liquidity Before the XRP Surge

Claver explained that the first phase is about setting up the right structures in advance. Trusts, LLCs optimized for digital assets, and proper tax and security frameworks should be organized while XRP gains are still “theoretical.”

Waiting until after the price breaks out, he said, is almost always more costly and far more difficult. This early preparation ensures that holders won’t be forced into reactive decisions when liquidity becomes real money.

Stage Two: Turning Crypto into Income Without Heavy Taxes

Instead of selling XRP outright and triggering major tax obligations, Claver recommends using XRP as collateral for loans.

This method allows holders to obtain liquidity while still maintaining upside potential if prices continue to climb. In his view, this is one of the most overlooked strategies among retail investors chasing short-term gains.

STAGE TWO: Crypto to Steady Income
Don't sell and get crushed by taxes. Use XRP as collateral for loans instead. You get liquidity without triggering a taxable event, and you keep your upside if prices keep climbing.
4/10🧵

— Jake Claver, QFOP (@beyond_broke) December 5, 2025

Stage Three: Building a Digital Family Office for Larger Portfolios

Meanwhile, Claver stated that once a portfolio grows past $20 million, informal management becomes unsustainable. At this stage, a proper digital family office becomes essential. This requires governance rules, succession planning, and a family constitution.

He emphasized that long-term wealth protection requires structure, not guesswork.

Stage Four: Preparing the Next Generation

Furthermore, Claver highlighted that most inherited wealth disappears within two generations, not because of bad investments but because of poor planning and a lack of education. He argues that heirs should be prepared before they inherit wealth, not after, if families want XRP price gains to become generational assets.

System Built for XRP Wealth Preservation

Digital Ascension Group positions its approach as an all-in-one system covering legal, tax, security, and generational planning specifically for crypto holders. According to Claver, piecemeal advice often leaves dangerous gaps, and a single missed step can cost investors millions.

He added that his firm works only with vetted professionals and qualified custodians, having protected “hundreds of millions” of client crypto through strategic planning.

Ultimately, Claver’s message to the XRP community is that huge gains are possible, but without preparation, long-term wealth can vanish. What holders build now will decide if future XRP gains are transformative or fleeting.

XRP has erased all the gains it made in early December 2024, pushing investors to shift their attention to what 2026 may hold for the token. 

The prolonged market downturn continues to wreak havoc on the global crypto landscape, and XRP is no exception. The token, which surged in late November following President Donald Trump’s re-election, has now surrendered all those gains amid intensifying selling pressure.

For context, XRP climbed sharply from around $0.50 to $2 between November and December 2024. It extended this momentum through the first days of December and ultimately reached $2.46 on December 6, 2024. However, the renewed downturn quickly reversed this rally.

At the time of writing, XRP trades at $2.04, marking a 17.07% decline from its December 6 peak. The pullback wiped out all the gains the token has made since early December.

Data from CryptoRank shows that XRP has already lost 6.96% of its value since the start of December 2025, widening its 30-day decline to 12.3%. Over the past three months, it has fallen 27.3%, and remains down 6.15% over the last six months. 

Will XRP Rebound in 2026? 

Although 2025 has been unfavorable for most cryptocurrencies, including XRP, investors are now shifting their focus to 2026 and hoping for a stronger, more bullish year. This growing optimism stems from several major factors, including macroeconomic developments and crypto-specific catalysts. 

CLARITY Act Passage 

One of the most prominent reasons behind this positive outlook is the anticipated passage of the CLARITY Act. Industry stakeholders believe that 2026 could mark a major turning point for the market if the legislation becomes law. 

The legislation aims to clearly define how cryptocurrencies should be classified and determine which regulator will oversee the industry. Currently in the Senate, the bill will move to the House if it passes and then proceed to the president’s desk. 

Stakeholders widely expect that regulatory clarity will accelerate institutional adoption, potentially driving crypto prices higher. Even Cardano founder Charles Hoskinson recently predicted that Bitcoin could surge to a new all-time high of $250,000 next year—a move that would likely lift the broader market, including XRP.

Growing ETF Inflows

Institutional demand for XRP continues to climb, further fueling bullish expectations. This momentum is especially evident in the rapid inflows into newly launched spot XRP ETFs. Less than a month after the first full spot products went live, these ETFs are already nearing $1 billion in inflows. Data from SoSoValue shows cumulative inflows of $897.35 million to date.

The impact of rising ETF inflows cannot be overstated. Earlier this year, Bitcoin and Ethereum saw significant price rallies as capital poured into their respective ETFs. With XRP ETFs now attracting similarly strong demand, many analysts speculate that XRP could follow the same trajectory and experience a meaningful uptrend. 

Anticipated Interest-Rate Cut

Optimism continues to build as investors expect the U.S. Federal Reserve to reduce interest rates before the end of the year. Analysts at Bank of America predict a 25-basis-point cut, a shift that could inject fresh liquidity into the financial system. 

Historically, rate cuts have triggered rallies in risk assets, and a similar response could benefit XRP alongside the broader crypto market.

XRP Treasury Reserve Initiative

Another bullish factor expected to influence XRP’s performance next year is the expanding XRP treasury reserve initiative. Ripple recently joined the Evernorth project, which aims to establish the world’s largest XRP treasury. Although the merger between Armada Acquisition Corp II and Evernorth is scheduled for completion in 2026, both entities have already begun accumulating XRP from the open market. 

To date, they have acquired more than 400 million XRP, reducing the circulating supply and potentially increasing long-term scarcity.

While these developments position XRP for a potentially strong rally in 2026, the token remains vulnerable to macroeconomic shocks, as seen earlier this year. 

A veteran Bitcoin investor has disclosed plans to invest $1 million in XRP after the founder of PhoenixReborn raised an alarm about an imminent price collapse.

Specifically, in a post on X, the PhoenixReborn founder tweeted that an XRP flash crash is “imminent.”

The post drew significant attention. Dr. John questioned why the warning sounded more enthusiastic than concerned: “Why does it feel like you are more excited about a crash than a moonshot?”

Meanwhile, a remarkable response came from longtime crypto investor Pumpius, who famously bought Bitcoin in 2013. He revealed that he has placed deep limit orders to buy 1 million XRP tokens at $1 each.

At $1 per token, that position would cost $1 million. This suggests a high-profile bet to accumulate XRP cheaply and benefit from a potential market rebound.

Got my limit orders set at $1 for 1,000,000 XRP 😎 https://t.co/2xzcIgdvWW

— Pumpius (@pumpius) December 5, 2025

XRP Still Holds Above $2, No Flash Crash Yet

Despite the chatter, no flash crash has occurred at press time. XRP is currently trading at $2.04, down 2.04% over the past day and 6.3% over the week. The monthly chart shows a 12.33% decline as the market continues to search for stability.

The current price action comes as Bitcoin trades at $89,681 after falling 2.57% over the past day. Notably, an XRP price crash to $1 from here would represent a harrowing 50% decline that could severely damage investor sentiment.

Meanwhile, the projection by the PhoenixReborn founder suggests such a drop could occur in a sudden flash, with the price snapping back almost immediately. Such an outcome would leave unprepared traders with no time to capitalize on the buying opportunity.

However, those with limit orders already set, such as the ones Pumpius hinted at, would benefit from it.

Flashback to XRP’s 56% Flash Crash in October

The outlook for sudden, violent dips has a precedent. On October 10, 2025, XRP experienced one of the wildest trading days in its history. Its price collapsed from $2.83 to $1.25 within hours. Interestingly, it rebounded to $2.45 shortly afterward. That was a classic 56% crash followed by a near 100% recovery.

The catalyst at the time was a shocking announcement from President Donald Trump, who imposed steep new tariffs on China. The news triggered $1.65 trillion in losses from U.S. stocks, $19 billion in crypto liquidations, and Bitcoin falling from $122,550 to $102,000.

Community analyst Vincent Van Code noted that opportunistic traders who had deep limit orders — such as buy orders at $1.30 — walked away with near-instant million-dollar gains.

This historical context makes today’s warnings feel more believable. Accordingly, Pumpius appears eager to benefit from a similar opportunity.

Why Crash Fears Are Rising: Brandt’s Historic 75% Drop Pattern

Concerns of a sudden market-wide correction come amid warnings from legendary trader Peter Brandt, who suggested Bitcoin could plunge as much as 75% before resuming its long-term bull trend.

Brandt highlighted that every Bitcoin bull cycle since 2009 has seen a severe correction between 74% and 86% after breaking its trendline. He stressed that there are “no exceptions.”

Given XRP’s close correlation with Bitcoin’s movement, traders expect that a deeper BTC correction could trigger cascading volatility across altcoins, including the type of flash crash Pumpius hopes to capitalize on.

There have been five major bull market cycles in $BTC since inception. In all previous cycles the violation of the dominant parabolic advance has been followed by a 75%-plus correction — NO EXCEPTIONS!!
You better have a great reason to bet against this pattern. pic.twitter.com/Ca7wBlgmWR

— Peter Brandt (@PeterLBrandt) December 1, 2025

Big Buyers Are Already Positioning for Dips

Pumpius is not alone. Major figures have been accumulating XRP during periods of market weakness.

On November 19, Barstool Sports founder Dave Portnoy revealed he bought $1 million worth of XRP during a rapid market downturn. Eric Trump applauded the move, calling it a “smart trade.”

Portnoy described his purchase as classic “blood in the streets” buying.

Will XRP Actually Hit $1 Again?

At present, XRP shows no signs of collapsing toward Pumpius’ target. However, several analysts, including EGRAG, believe a dip to $1 remains possible for XRP in a bear market.

Following the launch of spot XRP ETFs, conversations around whether XRP could face a supply shock have gained momentum.

This renewed interest has intensified on the back of a drop in exchange reserves on platforms like Binance. Amid the discussions, XRP community pundit Pumpius recently presented six practical situations that could trigger such a supply shock.

In a post on X, Pumpius noted that people often predict a dramatic supply shock that could push XRP much higher, yet only a few of them understand what actually causes one. 

According to him, a true supply squeeze happens only when XRP leaves the open market faster than new supply enters it. He claimed that nothing secret or sudden creates this scenario. Instead, it builds slowly as different forms of demand absorb available tokens. Pumpius then presented six ways such demand could occur.

ETFs, Institutions, and Corporate Treasuries

Specifically, he started with the first factor: spot ETF issuers must buy real XRP. Because these products rely on actual tokens rather than futures or synthetic exposure, issuers need to source XRP directly from exchanges. 

Notably, this steady buying reduces the amount of liquid supply left on trading platforms, as inflows persist. The Crypto Basic recently confirmed that XRP became the second-fastest to cross $800 million in ETF inflows. Today, these inflows have surged further to $874 million at press time.

Pumpius then highlighted the second factor, which involves banks and major asset managers. These institutions would need to hold XRP for settlement processes, treasury needs, and long-term liquidity planning, avoiding any frequent trades. Once they move XRP into custody, the asset leaves the circulating supply and no longer sits in the open market.

The third factor concerns corporate treasuries that could use the XRP Ledger for cross-border payments. According to Pumpius, when more of these companies adopt XRP-powered settlement corridors, they keep tokens in working capital accounts to support ongoing transactions. If they do not send this XRP back to exchanges, it remains locked away, contributing to the supply shock.

Ripple Escrow, On-chain Activity and ZK ID Infra

He then moved on to the fourth factor, which centers on Ripple’s escrow management. Pumpius explained that Ripple has no reason to release more supply than necessary, so the company could avoid releasing tokens from escrow. 

The fifth factor involves growing on-chain activity. In this case, more tokenized funds, RLUSD stablecoin operations, liquidity pools, identity layers, and payment corridors could expand on the XRP Ledger. Each of these use cases needs XRP to function, and that demand could remove additional tokens from active trading.

Finally, Pumpius highlighted the sixth factor: the introduction of zero-knowledge identity systems on the network. This new infrastructure could tie more XRP to identity-linked transactions and verification processes, which further reduces the amount of tradable supply.

When all these forces play out together, Pumpius noted that exchanges may begin to run low on inventory, OTC desks could tighten, and market liquidity would thin out. 

In such a scenario, buyers would then compete for a shrinking pool of available XRP, which naturally pushes prices higher. He added that real supply shocks do not build slowly in public view. Instead, they appear suddenly on the charts once pressure reaches a breaking point.

XRP researcher Ripple Bull Winkle has stressed that new XRP ETFs will require millions of XRP to meet demand. 

In his commentary, he argued that the public “won’t realize what happened until it’s too late”. His warning comes as large institutional investors are buying up XRP much faster than everyday traders realize. With more XRP ETFs coming, he believes a supply shortage may already be beginning.

Market Under Pressure, But ETFs Are Quietly Eating Into XRP Supply

In a recent video, Bull Winkle said XRP is building “pressure” beneath its price. He explained that XRP often performs best not when Bitcoin jumps sharply, but when Bitcoin steadies.

Meanwhile, retail investors have largely left the market. Many traders exited positions after volatility spikes, while institutions continued accumulating. This divergence is a major reason why the XRP chart “feels different” despite short-term price declines.

One of the strongest data points he highlighted came from Canary Capital. The XRP ETF has now accumulated $342 million worth of XRP, with consistent inflows into its ETF every trading day since its November launch.

Meanwhile, Canary Capital is not the only ETF buying up XRP. Other asset managers like Grayscale, Bitwise, and Franklin are also posting massive inflows since launch.

In particular, Grayscale has seen $211 million in inflows to its GXRP ETF, while Bitwise has seen $184.87 million. Franklin Templeton has also seen $132.3 million in inflows since launch.

Cumulatively, XRP ETFs have seen investments totaling $887.12 million, with total assets worth over $881.25 million.

To Bull Winkle, this is the clearest sign yet that ETFs and institutions believe the market is mispricing XRP “by a mile”. 

Notably, two other XRP ETFs are set to launch this month, including 21Shares and WisdomTree. More ETF launches create more avenues for issuers to buy massive quantities of XRP to support inflows, and that accumulation happens quietly, off-exchange, until it is reflected in liquidity.

The Countdown to Real Price Discovery

According to the researcher, retail investors are repeatedly asking the wrong question: “Why isn’t XRP’s price moving?”

He explains that the action is happening behind the scenes. Institutions are buying, ETFs are preparing, and liquidity is shrinking.

Once ETF filings start competing for XRP, he expects a significant price jump. By then, retail FOMO usually kicks in, but historically, that happens after most of the move is already completed.

Other Analysts Agree

Interestingly, several other XRP analysts share this view regarding XRP supply. Zach Rector argues that XRP’s tradable supply is below 10 billion, much below the roughly 60 billion circulating supply shown by trackers.

Others, like Jake Claver, have said ETFs are rapidly depleting OTC/dark-pool reserves, with only 1–2 billion XRP previously available privately. Claver claims this limited supply could trigger a “crazy” price spike as demand outpaces accessible liquidity.