Pundit Says Most People Will Only Have Dust of XRP at $5. Here's why

A prominent XRP community analyst has raised concerns that the token may soon reach a valuation where most retail investors can only afford fractional amounts. Xena, a well-followed voice in the XRP ecosystem, made this claim after the asset finally broke above the $3 price level, following several failed attempts in recent months.

Xena’s remarks came shortly after XRP rose to $3.16, a development that marks a significant shift in the asset’s accessibility for everyday investors. She noted that at the current rate, XRP is becoming increasingly difficult to accumulate in meaningful quantities unless one invests a substantial sum of money.

$1,000 Now Yields Just Over 300 XRP

As XRP trades at $3.16, $1,000 would only be enough to purchase approximately 316 tokens. This is a steep decline from what the same amount could have acquired just a year ago. For instance, in July 2024, XRP hovered around $0.48, meaning $1,000 could secure roughly 2083 tokens at that time.

The difference in purchasing power highlights a growing concern among community members. Xena emphasized that this trend, if it continues, will make XRP increasingly out of reach for ordinary investors who once viewed it as an accessible entry point into crypto.

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Community analyst Edoardo Farina shared similar sentiments last month when XRP traded at $2. He argued that the price was already becoming unaffordable for retail participants aiming to build significant holdings.

Entering the XRP Rich List Becoming More Difficult

Recent data shows that acquiring 2,400 XRP, the approximate threshold to enter the top 10% of XRP holders, has become increasingly difficult for the average retail investor. For context, at the current price of $3.16, purchasing 2,400 XRP would require over $7,500. This amount is out of reach for many individuals earning an average income in countries like the U.S. or the U.K., unless they save consistently over several months.

This marks a considerable shift from previous years, when XRP was priced low enough that even modest investments yielded substantial quantities of the token. As the price rises, the gap between casual investors and large holders is widening.

Predictions for Continued Price Growth and Reduced Access

According to Xena, the token could soon reach $5, which represents a 57% increase from current levels. She believes that at this point, most individuals will no longer be willing or able to purchase XRP in substantial amounts. Instead, their contributions would result in small, fractional holdings that offer limited exposure.

She further stated that unless an investor has access to significant capital, XRP is quickly approaching a price range that may be viewed as excessive by those seeking to acquire 1,000 XRP or more. Her comments draw parallels to the early investment patterns of other major cryptocurrencies that saw widespread accumulation followed by a shift to limited ownership as prices surged.

Xena’s observations reflect a broader trend in the cryptocurrency space, where rising asset values can price out smaller investors. As XRP continues to appreciate, its affordability may become a barrier to entry for many, potentially altering its appeal among retail participants.

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