A notable author has advised investors against selling their XRP in the latest dip, drawing from his experience with Bitcoin.

Notably, XRP has run into price trouble after finishing its strongest four-week rally of the year. From June 23 to July 20, the token surged 59%, rising from $2.01 to $3.45. However, this week, XRP has dropped 10.13% and returned to the $3 support zone, as the broader crypto market also dipped. 

Nonetheless, while the pullback shook some holders, others in the community, including author Steve Shultz, are now telling investors to stay calm and avoid panic selling.

Shultz Advises Against Panic Selling 

Shultz, who founded the Elijah List, revealed a personal mistake to make his point. According to him, he previously sold his Bitcoin holdings in a panic, and the decision cost him what would now be close to $2 million, even though he had only invested a few thousand dollars. 

He said this mistake taught him the lesson of not letting fear dictate investment decisions. Using that example, he warned XRP holders not to repeat the same error.

Shultz also talked about an XRP “guru” who had urged his followers to keep buying, only to secretly sell his own tokens after listening to friends. Shortly after he sold, XRP surged, leaving him full of regret. According to Shultz, XRP will continue to swing in both directions, and investors should prepare for that kind of movement. 

Interestingly, John Squire, an XRP community commentator, shared similar advice last week. He compared XRP’s current position to where Apple stock stood in 2007 before the iPhone launch. Back then, Apple traded for about $3 per share. 

Notably, after the iPhone hit the market, the stock climbed over the years, eventually hitting $260 by December 2024. This represented an 8,566% gain in seventeen years. Squire’s commentary suggested that XRP could follow a similar path. If XRP hit $260 one day, a $15,000 investment today (roughly 4,838 tokens) could grow into $1.26 million.

Analysts Confirm Recent XRP Correction is Healthy

Given this prospect, market commentators have urged investors not to allow short-term dips like the recent one to shake them off. Moreover, most analysts have continued to back the idea that XRP’s recent correction doesn’t mean trouble. 

For instance, market watcher XRPJunkie pointed out that XRP jumped 92% over 30 days, moving from $1.95 to $3.66. He described the 16% drop as a routine correction, not a cause for concern. Further, he encouraged holders to relax and wait for the market to settle, noting that XRP still has the potential to reach between $10 and $15.

Meanwhile, analyst Dom noted that when XRP spiked to $3.66, the spot‑perpetual premium surged, which signaled overuse of leverage and warned of an incoming purge. After the recent correction, the premium has since stabilized, which is a healthy sign for the market.

The spot‑perp premium is a potent signal

When it spiked on $XRP near its ATH, it warned that leverage was overstretched and a purge was likely 🤝

After the flush, the premium has briefly turned positive again

Check the quoted post to add it to your charts https://t.co/DfGbinmpYy pic.twitter.com/KhwNppYIGz

— Dom (@traderview2) July 24, 2025

In another disclosure, Dom confirmed that the correction cleared out multiple leveraged positions, wiping out 30% of XRP’s open interest, around $1.3 billion. Dom explained that this kind of reset often helps build a healthier market structure.

$XRP update

The overall market saw a healthy flushout to wipe some of the leverage that built up over the last 2 weeks

This pullback wiped out nearly 30% of all open interest on XRP (1.3B)

This chart from last week shows a perfect retest of the "last major level to flip"

As… pic.twitter.com/3nu8oAunvu

— Dom (@traderview2) July 24, 2025

He also pointed to a key support level XRP recently retested. To him, this retest confirmed the strength of the trend. Unless XRP drops below $2.80, he believes the overall outlook remains positive.

XRP price has the potential to reach the triple-digit region if XRP handles up to 28% of SWIFT transaction volume over the next decade.

For context, at the 2025 XRPL Apex, Brad Garlinghouse, the CEO of Ripple shared his thoughts on where the XRP Ledger (XRPL) might be headed as adoption continues to grow. An industry commentator asked him and David Schwartz, the company’s CTO, the fraction of SWIFT’s global transaction volume the XRPL could realistically capture in the next five years.

XRP’s Potential to Complement SWIFT

Responding, Garlinghouse explained the difference between SWIFT’s messaging network and its liquidity role. He clarified that XRP’s future depends more on how it supports global liquidity than how it replaces messaging. Based on that, he said the XRPL could potentially handle up to 14% of SWIFT’s total transaction volume within that five-year period.

However, we recently bumped this figure up to 28% over the next ten years. Specifically, this 28% comes to $42 trillion per year, or about $115 billion every day. For context, Forbes estimated SWIFT’s actual transaction volume at $150 trillion annually, even though some theoretical estimates place it higher.

To have a clearer assessment, we asked ChatGPT to estimate how much XRP would need to be worth to support this $42 trillion yearly volume. We used XRP’s current price of $3.25 and its circulating supply of 60 billion tokens. 

XRP Price if It Handles 28% of SWIFT Volume 

In its response, ChatGPT relied more on XRP’s token velocity. For the uninitiated, the token velocity refers to how many times each XRP token changes hands in a year.

Notably, in the first case, the AI chatbot looked at a low-velocity scenario where each XRP moves only four times a year. That slow turnover means the system needs more XRP to handle the full volume. 

To support $42 trillion annually with this velocity, XRP would need to supply $10.5 trillion in liquidity. Divide that by the 60 billion XRP in circulation, and you get an XRP price of about $175 per token.

Meanwhile, in the second scenario, ChatGPT dropped the velocity to just two transactions per year. This situation could indicate a system with more regulatory friction or longer transaction times, which slows down how quickly XRP can cycle through the network. 

At this rate, the system would need $21 trillion in XRP liquidity. With the same 60 billion token supply, the price estimate jumps to around $350 per XRP.

Notably, both scenarios assume XRP serves as the only bridge asset for that 28% share of SWIFT transactions. If XRP handles more than 28%, or if its supply decreases over time due to token burns or long-term holding, the price could climb even higher.

Amid the bullish run in July that has seen XRP hit new yearly highs, a market expert has predicted where XRP price could be headed in August 2025.

For context, after a weak start to July with a 2.96% drop on the first day, XRP has since recorded impressive breakouts this month. Specifically, from July 6 to 18, the altcoin soared by a massive 65%, eventually breaching the stubborn $3 psychological level and flipping it into support. 

XRP Price Target for August 2025

XRP initially surged to a new yearly peak of $3.66 on July 18 before facing a mild pullback. Against this backdrop, market commentator and XPMarket’s Head of Marketing, Mr. Xoom, has presented what he believes could be XRP’s price target for next month, August. Notably, his projection suggests XRP could maintain its uptrend well into the next month.

According to Mr. Xoom, an XRP price of $6 to $8 is very likely in August. For context, while the $3.66 peak has triggered divided opinions on whether it represents a new all-time high, Mr. Xoom’s lower target, $6, will set an undisputed all-time high for XRP.

With XRP currently trading around the $3 price mark, a rally to $6 would demand a 100% increase or a 2x run. Meanwhile, for XRP to reach the loftier $8 price target, it would need to rise by a more substantial 166%. However, once XRP claims the $6 region, a run to $8 becomes a more feasible target, as it would only need to rise by another 33% to claim the mark.

Other Analysts Eyeing the $6 to $8 Range

Besides Mr. Xoom, other market commentators have also projected a possible XRP rally to the $6 to $8 range. However, the timeline has not been consistent. For instance, last December, when XRP still lingered around the $2.5 region, analyst EGRAG Crypto predicted a possible run to a target between $6 and $8.

In his analysis, EGRAG identified the $2 as a good entry point, urging investors to procure XRP if it dropped to that mark. Since then, XRP has rallied to $3.4 and subsequently fallen to $2. This month, it has recovered above the $2 mark, presenting profits for those who listened. EGRAG suggested that a rally beyond $3.8 could set the stage for an early run to $6-$8.

Meanwhile, Casi, another experienced analyst, revealed last month that she’s expecting XRP to reach a minimum target of $6.5 in July. Nonetheless, the market watcher also hinted at the possibility of an extensive run to $8. 

With XRP already correcting the gains from the previous weeks, these targets seem challenging to reach over the next six days. Despite the correction, with a 14% drop in 24 hours, XRP has held above $3, currently changing hands at $3.05. 

Notably, if it can maintain the support at the pivotal $3 mark until the pullback ends, the ensuing recovery could finally push it above $4. Such a development may set the stage for a more extended run into the $6 to $8 range. However, it remains to be seen when this would occur.

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.

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.