Uphold Partner Says XRP Will Be the Opportunity Most People Only Recognize When It’s Too Late

John Squire, an XRP community figure and Uphold affiliate partner, believes that XRP may become an opportunity many investors only appreciate after it has already passed them by.

He shared this view in a recent tweet. It joins a growing chorus of XRP advocates who believe the market is underestimating.

XRP Price Lags Despite Major Developments

Today, XRP continues to trade below key psychological levels. It has been hovering around the $2 mark amid weeks of subdued performance. The token remains 45% below its previous highs, even as Ripple records regulatory and institutional milestones that did not exist during XRP’s last major bull cycle.

For critics, this lack of immediate price reaction signals weak demand. For supporters like Squire, it highlights a market focusing on short-term price movement rather than the long term.

This same argument has been echoed by longtime XRP commentator Coach JV, who has repeatedly said XRP could become “the greatest missed opportunity of our lifetime” if investors fail to recognize what is changing beneath the surface.

Regulatory Progress Reshaping Ripple’s Position

A key pillar of the bullish thesis centers on Ripple’s expanding regulatory footprint in the United States.

Ripple has received provisional clearance from the Office of the Comptroller of the Currency to charter a national trust bank, placing it among a small group of crypto firms with that status. The move brings Ripple’s RLUSD under direct federal oversight. At the same time, it maintains state-level regulation in New York.

XRP analyst Alex Cobb has argued that these developments are not being priced into XRP. He noted that Ripple is moving deeper into the U.S. financial system while XRP continues to trade as if little has changed.

Ripple is also pursuing a Federal Reserve master account. Although approval is not guaranteed, policymakers are now discussing limited access for non-bank entities. XRP supporters believe this step could strengthen Ripple’s role in real-time settlement and liquidity management.

Institutional Expansion Adds to the Long-Term Case

Furthermore, Ripple’s $1 billion investment in GTreasury confirms a move into the global corporate treasury market worth over $100 trillion.

Some analysts, including Vincent Van Code, argue that XRP doesn’t need to be directly sold to corporations to benefit. Instead, it could work quietly in the background, helping with liquidity and payments as Ripple grows its institutional presence.

This supports the idea that XRP’s value may develop slowly and steadily, outside of hype-driven market cycles, and that retail investors may not notice it until much later.

From Missed Opportunity to Late Realization?

Meanwhile, many are now discussing whether XRP could create life-changing results for long-term holders. Some figures, like NFT founder Bark, believe XRP could help investors retire, which requires prices of $100 to $ 1,000 and above.

While triple-digit price predictions remain uncertain, holding larger amounts over a long period could still make a meaningful difference for patient investors, analysts have noted.

Jake Claver, CEO of Digital Ascension Group, also warns that price alone isn’t enough. He stressed that proper tax planning and legal setup are crucial to protect wealth.

Ultimately, John Squire’s warning fits a familiar message in the XRP community. Past major rallies happened when regulations were much less clear. Today, rules are becoming clearer, and institutional involvement is increasing.

Accordingly, proponents argue, this could lead the market to reassess XRP’s value faster than critics would realize.

Yet no one knows when that shift might happen — if ever. But voices like Squire, Coach JV, and Alex Cobb believe the real risk isn’t short-term price swings, but realizing XRP’s potential too late.