Gina, a well-followed voice in the XRP community, recently stirred debate with her post on X declaring that “99% of XRP holders will sell between $10 and $20.” Her statement speaks to a deeper reality about human psychology in markets, the temptation of short-term profits, and the long-term role XRP could play in a new financial system. The Psychology of Selling Too Early Financial markets are driven not only by fundamentals but also by human behavior. When assets approach round-number milestones such as $10 or $20, these levels become psychological resistance points. Many retail holders view such prices as life-changing opportunities, creating powerful incentives to lock in gains. History shows that when most investors sell too early, they risk missing the exponential growth that often follows adoption milestones . For XRP, the pressure to exit between $10 and $20 could significantly affect supply dynamics, leaving disciplined long-term holders with greater rewards if adoption deepens. 99% of XRP holders will sell between $10 and $20, not understanding that XRP is a key part of the new financial system we are entering. In the event of a bear market, it may go down, but if it is adopted, it WILL DECOUPLE from Bitcoin. XRP WILL RISE WITHOUT EVER STOPPING. — Gina (@CoffeeAndChaos0) September 6, 2025 XRP’s Role in Real-World Finance The core of Gina’s argument is that XRP is not merely a speculative asset but an integral part of a developing financial infrastructure. Ripple has expanded its On-Demand Liquidity (ODL) product and RippleNet solutions, which enable faster cross-border transactions while reducing the need for pre-funded accounts. Adding to this momentum is RLUSD, Ripple’s U.S. dollar-pegged stablecoin. RLUSD is designed to complement XRP’s utility by creating stable settlement pathways and enabling broader adoption across institutions, custodians, and corporate treasuries. These developments highlight how XRP’s value proposition extends beyond speculative trading into institutional-grade financial plumbing. Legal Clarity and Institutional Access A major factor weighing on XRP has been the prolonged SEC lawsuit. Now that the case is over, XRP is expected to operate under clearer regulatory conditions. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 This clarity is crucial because it unlocks pathways for institutional products. Multiple filings for a spot XRP exchange-traded fund (ETF) remain under SEC review . Approval of such a product would provide regulated market access, drawing inflows from institutional investors who have been sidelined. The Case for Decoupling from Bitcoin Gina further argued that XRP could decouple from Bitcoin if adoption continues. Historically, altcoins have moved in tandem with Bitcoin, reflecting overall market sentiment. However, assets that achieve real-world utility, recurring enterprise demand, and measurable adoption have the potential to diverge from Bitcoin’s price cycles. For XRP, decoupling will depend on tangible factors: the scale of ODL volumes, integrations of RLUSD, approval of institutional vehicles like ETFs, and a reduction in speculative exchange-driven volatility. While macro events may still cause short-term correlation spikes, a consistent stream of utility-driven demand could eventually give XRP its own trajectory. Final Thoughts Gina’s assertion highlights a central choice for holders: sell at psychologically comfortable levels or stay positioned for a potentially larger role in a new financial system. XRP’s future valuation will depend less on retail trading psychology and more on the success of Ripple’s institutional partnerships, regulatory clarity, and adoption of its technologies. For investors, the decision lies in defining whether they are chasing speculative gains or investing in the infrastructure of tomorrow. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on Twitter , Facebook , Telegram , and Google News The post 99% of XRP Holders Will Sell Between $10 and $20 appeared first on Times Tabloid .