Analyst Armando Pantoja has sparked interest among XRP holders with a prediction of a 33,233% price increase in the long term. His analysis is especially relevant against the backdrop of current market conditions and legal hurdles.
XRP in a Bear Trap: Time to Accumulate?
Pantoja described the current market phase as a "huge bear trap," where panic selling has shaken out weak hands. He believes XRP is severely undervalued due to lingering uncertainty from the Ripple vs. SEC lawsuit. Pantoja noted that the legal setback "brought XRP back to square one." According to him, a 33,233% return is possible in 10 years or more.
Legal Hurdles and Regulatory Reset
The ongoing conflict between SEC and Ripple has created significant headwinds for XRP's growth. While Ripple achieved a partial win in 2023, securing clarity that XRP is not a security when sold on exchanges, the company still faces penalties related to institutional sales. A recent attempt to reduce a $125 million penalty was rejected by Judge Analisa Torres in June 2025. Both parties seem poised to move forward without additional litigation.
Institutional Moves and a Banking License in Play
Backing his long-term thesis, Pantoja disclosed a significant accumulation of XRP during a sharp 19% price drop in mid-July. He believes Ripple’s pursuit of a national banking license in the U.S. will legitimize XRP’s role in institutional finance. Pantoja argues that if XRP’s market cap were to eventually rival Bitcoin’s, the token could rise to $36.42.
Armando Pantoja emphasizes the need for patience and a long-term outlook based on XRP's fundamentals. While significant growth is possible, he acknowledges that it will not happen overnight, and the token remains in transition while awaiting its next major breakout.
