Pundit Explains Why This Is the Worst Period for XRP Holders

Vincent Scott, a long-standing XRP community voice, believes that the current market environment may be the most challenging period XRP holders have faced.

His comments focus less on price charts and more on structural issues he believes are working against retail investors.

Why XRP Holders Are Under Pressure

According to Scott, the current phase of the crypto market is full of intense pressure from large investment firms trying to recover from a weak fourth quarter.

He argues that after a difficult year, some institutions are now targeting retail investors as a source of liquidity, squeezing them to cover losses rather than allowing organic price discovery.

In his view, this explains the surge in aggressive narratives and market messaging around XRP and other digital assets.

Propaganda, Predictions, and Retail Psychology

Scott believes much of the bullish end-of-year price speculation circulating online is not based on fundamentals. Instead, he points to overly confident chart-based predictions being applied to what he calls a heavily manipulated market.

He argues that advanced technology like blockchain is still operating in an environment where clear laws and enforcement are lacking, especially as consistent rules do not bind institutions that influence value. To him, this allows misleading forecasts to spread with little accountability when they fail to materialize.

When Predictions Fail, the Cycle Repeats

One of Scott’s central criticisms is what happens after bold price targets fall apart. He suggests that instead of accountability, failed forecasts are often followed by apologies and reassurance content to keep audiences engaged and hopeful.

According to Scott, this cycle works because many retail investors still aspire to emulate market influencers, making them more likely to overlook repeated inaccuracies.

Furthermore, Scott argues that the real issue is not volatility itself, but the monetization of investor desperation. He believes this behavior fuels the very system many crypto participants claim to oppose, turning frustration and hope into revenue streams.

In his assessment, honest conversations about market realities are often discouraged because they threaten this business model.

Why Regulation Still Matters for XRP

Ultimately, Scott points to regulation as the key missing piece. He argues that nothing fundamentally changes for XRP or the crypto market until enforceable laws are in place and applied evenly.

Until then, he believes that the market will continue to reward manipulation over transparency, leaving retail investors exposed during periods of uncertainty. Notably, the U.S. Senate is working towards passing the Clarity Act in early 2026. Many believe it will bring the regulatory clarity the industry needs.

Community Reactions

Scott’s comments have stirred mixed reactions in the XRP community. Some shared similar sentiments, saying they have invested their time elsewhere and avoid news about crypto. To Scott, this is even a wise decision.

Wise

— VincentScott (@VincentSco72192) December 21, 2025

Meanwhile, X user Jeff H remarked that those relying solely on XRP for survival have themselves to blame. He noted that a basic investment principle is to hold positions without fear, diversify, and avoid putting all assets in one basket. Others simply advised: “Ignore the noise.”