July 23, 2025 — On July 23, crypto analyst Oscar Ramos delivered a striking warning to the XRP community: those who hesitate now may look back with regret. Following a 52.5% rally in just two weeks, Ramos is doubling down on his bullish stance, suggesting that early commitment could define winners and losers in the months ahead.
From $2.40 to $3.66: A Rapid Rally
Ramos initiated his call on July 10, urging followers to prioritize XRP. At the time, the price was near $2.40—just before XRP began a sharp ascent. True to his prediction, the token surged to $3.66 by July 18, marking a remarkable 52.5% gain. Since then, XRP has consolidated in the $3.50–$3.60 range, maintaining strong footing.
This move coincided with renewed optimism across the crypto ecosystem, including other major assets like Solana and Ethereum, signaling a broader pattern of capital rotation into growth-oriented altcoins.
Why Now Matters: Momentum and Catalysts
Ramos credits the rally to a convergence of positive forces. First, institutional developments—such as Ripple naming BNY Mellon as the custodian for its RLUSD stablecoin—have added legitimacy. Second, pending developments like the expected July 25 SEC decision on the REX-Osprey spot XRP ETF are raising the stakes.
These factors combine with strong technical momentum, making this a critical moment in XRP’s trajectory.
Regret as a Warning Sign
“People will regret not going all in,” Ramos cautioned. His warning taps into a common psychological theme in crypto: late entry often follows early hesitation. Similar lamentations have emerged from figures like Dave Portnoy, who publicly admitted he “wants to cry” after selling XRP too soon at $2.40.
These voiced regrets highlight a repeatable pattern: rational caution giving way to a sense of opportunity lost when prices surge.
Risks in the Upside
That said, caution remains wise. On-chain analyst Vincent Van Code has urged restraint. He points to rising tax liabilities and emotional trading traps, warning that buying at overheated levels could expose investors to costly mistakes.
Technical indicators also suggest short-term exhaustion. After major gains and elevated relative strength index (RSI) readings, a modest pullback to $3.40–$3.50 could be prudent for profit-takers.
What’s Next?
Two upcoming developments could shape XRP’s direction:
- SEC Decision on July 25: A favorable ETF outcome would likely attract institutional capital and cement investor confidence.
- On‑Chain Fundamentals: Continued decreases in exchange-reserve holdings and active engagement from Ripple’s RLUSD ecosystem will reinforce long-term value.
These triggers could provide the fuel for XRP’s next phase. But even if regulatory clarity is delayed, underlying momentum and on-chain adoption remain strong.
Final Takeaway
Oscar Ramos’ call is bold—but grounded. A 52% rally in just two weeks shifted sentiment decisively. With key technical structures intact, institutional integration advancing, and high-impact regulatory events on the horizon, Ramos says hesitation may cost those who wait.
Yet, crypto remains volatile. For those considering entry, balancing timing, conviction, and risk management matters. A “go‑big‑now” approach may align with bullish narratives, but prudent position sizing and stop-loss strategies can help buffer potential reversals.
Those who lean in now may avoid the regret echoing through crypto—while those who wait might just watch opportunity pass.
