New statements from the XRP community have raised fresh concerns about the activities of institutions related to this digital asset. According to cryptocurrency commentator Pumpius (@pumpius), major banks are alleged to be taking advantage of public information to buy XRP at a discount before prices can rise.

In a detailed post shared on platform X, the analyst asserts that labeling Ripple's bank charter as 'risky' or 'unclear' does not stem from genuine regulatory concerns. Instead, he states, it is a strategy aimed at undermining investor confidence and devaluing the token to accumulate quietly.
FUD and Price Suppression Tactics Alleged
The commentator explains that institutions are using familiar tactics related to fear, uncertainty, and doubt - commonly referred to as FUD. By coordinating with regulators and amplifying alarming headlines, they aim to pressure retail investors to sell.
As a result, price drops are not always natural. According to the article, they often reflect deliberate efforts to induce panic selling. These moves create ideal conditions for investment institutions to buy in at lower prices while avoiding attention.
Retail Sentiment Undermined as Volatility Persists
Posts indicate that whales and large-scale investors are taking advantage of volatile conditions. Market fear creates opportunities for them to buy large amounts of XRP, while retail holders often exit their positions too early.
Experts warn that this behavior is not random, as strategic buying during downturns allows institutions to quietly build solid positions. Meanwhile, average investors may struggle to re-enter the market when assets begin their next rally.
Analyst Claims Accumulation is Happening Quietly
Theo Pumpius, the smartest participants do not sell during times of instability. They are increasing their holdings as fear grows and news triggers negative sentiment. He believes this ongoing accumulation shows strong confidence in the future performance of XRP.
He warns that once the next vertical price volatility begins, it may be too late for retail investors to buy back at affordable prices. The fact that institutions are preparing for this moment has heightened speculation about XRP's short-term trajectory.
This topic has sparked considerable debate within the community regarding the potential for manipulation and the increasingly clear signs of capital accumulation by institutions. Investors are now monitoring the market more closely as Ripple's regulatory trajectory and price volatility continue to unfold.