XRP: Key To The 1% Club? 99% Will Be ‘Locked Out’, Analyst Says

A familiar personality in the XRP online forum has generated buzz with a fresh and sensational prediction regarding the direction of the global financial system. The commentator, known by the handle Pumpius, asserts that a financial reset is already underway—and that only a few individuals who own XRP will be rewarded by it.

Based on his opinion, 99% of individuals will be left behind since they possess what he refers to as “the wrong assets,” such as fiat or speculative tokens. Just 1%, in his view, the owners of XRP, will be on the correct side of history.

XRP Viewed As Something Greater Than A Token

Pumpius does not perceive XRP as another cryptocurrency. In his opinion, XRP is something greater. He refers to it as “citizenship paper in the post-reset financial empire.” He opines that once the reset takes place, XRP will be a necessary tool—a part of the system itself.

Rather than speculating on hype or meme culture, he explains that XRP investors are positioning themselves to be part of a new financial system. This system, in his assertions, is based on infrastructure rather than on speculation.

99% will be locked out. Not because they’re poor. But because they held the wrong assets. When the global system resets, wealth won’t be counted, It’ll be coded.

The 1%? They’ll hold XRP. pic.twitter.com/odPgqi7Inx

— Pumpius (@pumpius) May 3, 2025

Claims Of Institutional Testing And Interest

Pumpius also referred to what he describes as evidence of the significance of XRP. According to him, the Bank for International Settlements (BIS) has also experimented with XRP. He further stated that the World Bank has charted it and that the International Monetary Fund (IMF) has issued favorable comments regarding the initiative.

Also, he mentioned RippleNet’s partnerships with over 40 central banks. While these collaborations and references are usually oblique or not revealed in detail publicly, they still continue to create gossip among the XRP ecosystem.

One of the more pressing messages in Pumpius’ remarks is that the transition won’t be noisy or overt. He cautioned that this “flip” to a new system will not be witnessed on the news or heard in alarms. He states the change will be done through quiet protocol updates and silent backend modifications.

That is, by the time most of them become aware of it, it could already be too late. That’s why he thinks owning XRP isn’t only wise—it’s imperative.

These concepts have previously been discussed within XRP communities. Advocates have long stated that XRP is not merely a digital asset—it’s a part of the next financial system. Yet no definitive assurance exists from institutions such as BIS or the IMF that XRP will be an integral component in any forthcoming monetary system.

Featured image from Gemini Imagen, chart from TradingView