XRP Pundit Says It’s Hard to Understand How Free You’ll Be if You’ve Amassed 10,000 XRP

A notable XRP community pundit has continued to champion an accumulation culture, identifying a threshold that could lead to financial freedom.

Edoardo Farina, who has continuously encouraged investors to accumulate more XRP tokens, believes the crypto asset will likely deliver massive gains for patient holders.

XRP Shows Resilience

For context, XRP’s price action has been suppressed over the past three months, as bearish pressure engulfs the broader crypto market. The asset lost 29.34% of its value in February 2025 alone, the largest single-month loss in over three years. Following this, XRP has shown resilience but continues to observe declines, albeit at a slower pace.

However, while XRP is down 1.47% year-to-date, the larger crypto market is suffering more significant losses. Notably, the global crypto market cap has dropped 17.59% within the same period, losing $561 billion. Specifically, Bitcoin (BTC) has slumped 9.65% year-to-date, and Ethereum (ETH) is down 52.6%.

XRP’s resilience is one of the factors contributing to the confidence among proponents, with one such proponent, Farina, optimistic that holding a portion of the XRP supply could lead to financial freedom. In one of his commentaries, Farina suggested holding at least 10,000 XRP tokens.

Holding 10,000 XRP Could Lead to Financial Freedom

According to the XRP community figure, investors might find it difficult to understand the scale of financial freedom they would attain by merely holding 10,000 XRP tokens. For context, procuring these 10,000 tokens today would cost around $20,150 at XRP’s current price of $2.15. 

Notably, these tokens were worth around $5,000 barely six months ago, in November 2024, when XRP traded for $0.5. Those who took the prerogative to accumulate XRP back then spent little for this stash. However, despite the price surge in the last few months, analysts like Farina believe another explosive run is on the horizon.

As a result, they suggest that the ongoing market turbulence presents a rare buy-the-dip opportunity. Interestingly, data from the behavior analytics platform Santiment confirms that only 299,547 XRP wallets, making up just 4.68% of the total 6.398 million addresses, hold at least 10,000 XRP tokens despite an increase in these high-value wallets.

Notably, further data reveals that these wallets with at least 10,000 XRP as balances totaled 287,577 at the start of the year. The latest figure translates to an addition of 11,970 addresses to this tier year-to-date. Despite the increase, the lower figure indicates that investors might still be early into the market.

What Would Financial Freedom Entail?

Consequently, Farina believes those who seize the opportunity now could be financially free. However, this concept varies with each person. In most cases, returns amounting to $1 million could lead to financial freedom. Nonetheless, XRP would need to rise substantially to yield $1 million from a 10,000-token investment.

Specifically, for 10,000 XRP to present returns amounting to $1 million, XRP price must spike to $100. This represents a 4,801% increase from the current value. Notably, several analysts have insisted that this price is feasible. For one, Farina suggested last month that XRP ought to be above $100 under normal circumstances.

Also, in February, Armando Pantoja insisted that XRP has the potential to surpass $100, citing factors such as its role in cross-border settlements. However, critics like Rajat Soni believe this forecast is unreasonable, especially in the current market cycle. Also, wealth mentor Linda Jones does not see the $100 target materializing this year.