Crypto Crew University Flags Third XRP (XRP) RSI “Pocket” That Preceded 9-11x Rallies

Third RSI “Pocket” Forms

A recurring chart setup has formed on XRP (XRP) for the third time — and the two previous appearances each came just before the token's largest rallies. On Sept. 25, the analyst group Crypto Crew University reported that XRP's monthly Relative Strength Index (RSI), a momentum indicator that flags overbought and oversold conditions, is sitting below its moving average while a divergence band the analyst calls a “pocket” has opened between the two lines. Both prior pockets formed deep in the bear market phase of the cycle and were followed by outsized moves. The 2018 formation resolved when the RSI crossed back above its average in June 2020, with XRP trading near $0.18 at the cross before climbing to roughly $2 — an approximately 11x gain. A second pocket formed in 2022, and the subsequent cross printed at about $0.37 ahead of a roughly nine-fold advance toward $3.30. The analyst treats that re-cross as the decisive buy signal, and it has not yet occurred this cycle; additional custom work reportedly shows price touching levels aligned with past accumulation zones in October 2025 and August 2026. The setup lands while the broader XRP market trades in the $1.50s, having gained roughly 17% over the past seven days, per CoinGecko data.

Garlinghouse's Resurfaced Remarks

Ripple CEO Brad Garlinghouse's answer to the asset-choice question surfaced this week from an unlikely point in time: remarks delivered Jan. 22 at Faena Rose's program “The Transformative Power of Crypto Assets,” which began recirculating on social media Sept. 24, more than eight months after they were recorded. In them, Garlinghouse argued that XRP may be the best cross-chain bridge asset for some cross-border payments while a stablecoin can solve other customer needs more effectively — a conditional framing, not a ranking, and an explicit rejection of an XRP-only approach or of the XRP-maximalist label. The commentary mirrors how Ripple Payments is already built: the platform settles in RLUSD, USDC, USDT or fiat depending on the customer's jurisdiction, with a settlement layer the company says is decoupled from any single issuer's token. Ripple states the network operates across more than 60 markets and has processed over $100 billion in payment volume. Structurally, the two assets do different jobs — XRP floats freely as the native asset of the XRP Ledger, while RLUSD is backed one-to-one by cash deposits and U.S. Treasuries and is engineered to hold at a dollar, which is why corporate treasurers — and, per recent 30-day settlement data, even AI-agent flows on XRPL — may gravitate toward it in the PayFi sector.

Brandt's “Stupid Coin” Critique

Veteran trader Peter Brandt supplied the counterweight, reiterating long-standing skepticism and dismissing XRP outright as a “stupid coin.” Brandt drew a categorical line between Bitcoin, which he characterized primarily as a store of value, and XRP, which he treats as a transaction-focused asset — a distinction he argues the broader altcoin market routinely blurs. Asked whether Ripple's partnerships with banks worldwide and the company's recent progress had moved his view, he said they had not. His core argument centers on supply and valuation: he flagged open questions around XRP's total supply and whether it will expand in the future, while conceding the token is cheap and effective to use in transactions. That utility, he argued, does not translate automatically into value — pointing out that the U.S. dollar is an extremely effective transaction medium, yet nobody buys dollars expecting appreciation for that reason alone. The open question, in his framing, is at what point transaction demand converts into genuine economic value for the token. Brandt was warmer elsewhere: he called Ethereum “a good asset,” said both Ethereum and Solana can still move higher, and keeps the core weight of his portfolio in Bitcoin. Readers tracking the market in real time can follow live spot and futures prices on Bybit.

RSI Cross Is the Trigger

The three threads form a single argument over what XRP is worth. A chart signal says the historical cycle is repeating; the CEO says the infrastructure already serves multiple settlement assets; one of trading's most established voices says usage is not value. Our reading: the monthly RSI re-cross is the only testable trigger among them, and it remains unconfirmed. CoinGecko's record shows roughly 17% weekly gains into the $1.50s even as sentiment splits, validator focus shifts to the Ledger's batch upgrade slated for Oct. 9, and other analysts still map targets as high as $365, hinging on the $1.75 level. Until the cross fires, both the 11x precedent and the “stupid coin” verdict remain unproven.