A market commentator has suggested that current XRP investors are still early, after casually conducting a real-life adoption assessment.

Currently, XRP trades around $2.96, but at this price point, most investors wonder if they showed up too late. The concern comes from looking back at what earlier buyers achieved. 

Earlier XRP Adopters Seeing Massive Gains

For instance, an early adopter who put $10,000 into XRP in January 2017, when it cost just $0.003, would have picked up 3.33 million tokens. At today’s price, this stack of XRP would be worth more than $9.86 million. Notably, stories like this lead to the belief that the window for outsized returns has already closed.

However, not everyone agrees. Several analysts argue the market is still young and that XRP has plenty of room left to grow. Specifically, they see low awareness and limited adoption as signs that the story is only beginning. Among those pushing this narrative is EGRAG Crypto, who recently shared a personal experience to make his point.

“Trust Me, We’re Still Early”

In a recent commentary, EGRAG described a casual evening with longtime friends who work in different industries such as furniture, used cars, IT for education, and general consumer goods. 

When the conversation turned to crypto, they only spoke about Bitcoin and Ethereum. According to EGRAG, some of them expressed regret over missing Bitcoin when it traded at $300 or even $3,000. Meanwhile, others speculated that Ethereum could one day reach $30,000. 

Nonethless, EGRAG stressed that there was some odd silence around XRP and other projects such as XLM, HBAR, FIL, VET, XDC, and VRA. He said nobody at the table mentioned them. 

EGRAG suggested that this silence spoke louder than anything else. Notably, it proved that even now, most people remain unaware of these assets, especially XRP, despite it being the third-largest crypto asset globally. “Trust me, we’re still early,” he commented.

Other XRP Pundits Agree

Interestingly, several community commentators have made similar claims. Two months ago, Vincent Kennedy told investors who worry about being late to try mentioning XRP in their own everyday conversations. He argued that the blank looks they would receive would quickly prove how little awareness of XRP exists outside crypto circles.

Also, market commentator Edoardo Farina highlighted this in an analysis earlier this year. After evaluating XRPL wallet data, he found that only one in 5,000 people worldwide currently holds XRP. According to Farina, this confirms how early current investors are, as there is room for massive growth.

Notably, most of the pundits who suggest this believe this growth would translate to greater price levels, eventually bringing in similar returns that earlier adopters enjoyed. For instance, Farina has confirmed that he will not be selling his XRP tokens below the $100 mark. Meanwhile, last July, EGRAG predicted a possible XRP run to $50.

As XRP now approaches the $3 mark again, analyst JayDee projects that the coin could stage a “biblical rally” in Q4 2025.

He is forecasting a blow-off top toward the end of the year, while also cautioning against getting carried away by the momentum and forgetting to take profits.

This came in a tweet on Monday where JayDee spotlighted XRP dominance charts. He suggested that the market could be entering a critical setup ahead of the next bull cycle.

Historical data shows that when the Stochastic RSI (SRSI) on the monthly timeframe crosses bullishly, XRP typically experiences a powerful rally. According to JayDee, this setup has led to some of XRP’s most dramatic gains in past cycles.

The Pattern of Rally and Collapse

Looking back at previous bull runs, XRP dominance surged sharply after confirming a bullish SRSI cross in 2017. This rally led XRP to break an all-time high that cycle. Another bullish cross appeared in mid-2024, culminating in a breakout by the end of the year.

However, according to JayDee, these explosive moves have consistently been followed by a collapse of more than 90%. This view largely takes inspiration from what followed after XRP reached a peak in 2018, when it lost over 90% just weeks after hitting $3.84.

JayDee describes this as a repeating pattern, where excitement drives XRP higher, only to be followed by a devastating crash that wipes out late entrants.

XRP “Biblical Rally” in Late 2025

If the current setup confirms at the close of the monthly candle, JayDee expects XRP to embark on what he calls a “BIBLICAL RALLY” during the fourth quarter of 2025. This move could see XRP dominance surge to levels not seen in years.

For context, XRP’s dominance is currently only at 4.61% of the global $3.9 trillion market. This gives it a market cap of $178 billion today, with a price of $2.98 at press time.

JayDee expects XRP’s dominance to rise close to 12% by the end of the blow-off top. Assuming the market stays largely at its current level while XRP dominance increases, this would give XRP a market cap of over $460 billion, with a price near $8.

Meanwhile, if the global crypto market reaches $10 trillion and XRP’s dominance rises to 12%, its market cap would be in the trillions, giving the coin a market price above $20.

Warning of a 90% Rug Pull After the Peak

Despite the bullish outlook, JayDee warns investors not to be complacent. He predicts the rally could end in a “rug pull” style crash, wiping out as much as 90% of the gains. His commentary stresses that inexperienced investors tend to buy at cycle tops, providing exit liquidity for seasoned traders.

Essentially, he is cautioning against entering at the height of the bull run to avoid incurring financial losses.

Commenting on the post, a market participant expressed disagreement with JayDee’s view. They suggested Ripple is building significant products to sustain XRP’s price trend, rather than seeing the coin dump hard after a major pump.

Meanwhile, the analyst maintained that historical patterns support his claims that a hard crash often follows XRP’s frenzy.