Concerns have emerged in the XRP community, as more investors point out that retail buyers are quickly losing the chance to own meaningful amounts of the asset.
Edoardo Farina, founder of Alpha Lions Academy, rejuvenated the conversation with a recent video where he discussed why most XRP holders will struggle to keep up in the long run.
Farina Reveals Why Retailers Are Getting Priced Out of XRP
Notably, Farina once believed that 95% of XRP holders would fall behind. Now, after traveling to more than 20 countries and talking to people everywhere from South America to Europe, he thinks the number will rise to 99%.
The market pundit explained that rising costs and economic pressure are forcing people to sell off their XRP just to cover everyday expenses. Discouragingly, this is no longer about buying new cars or luxury items, as many are selling just to buy groceries or pay rent.
He pointed out how the cost of living keeps rising, while wages and savings don’t keep pace. According to Farina, even Americans, who live in one of the world’s wealthiest countries, often don’t have $10,000 in savings.
This makes owning large amounts of XRP, like 10,000 tokens, out of reach for most. With current prices, that amount costs over $20,000, making it a goal that used to feel realistic but now seems far-fetched. Farina said even 1,000 XRP is now becoming a stretch for average buyers.
A Concerning Global Economic Trend
Speaking further, he asked whether crypto prices are really climbing or if the value of fiat money is just falling. As inflation eats away at purchasing power, most people can no longer afford to hold their investments.
They’re cashing out, not by choice but out of necessity. Now, while that is happening, the market keeps moving. XRP’s price continues to climb, and Farina believes those who sell now will find it much harder, or even impossible, to buy back later.
Farina urged investors to get creative instead of selling. He shared his own story of moving from northern Italy to Greece, where he cut living costs dramatically and used the savings to invest in crypto.
He encouraged people to consider side gigs, change locations if needed, and make better use of the internet to earn income. The pundit believes that taking these steps now could make the difference between financial freedom and being left behind.
XRP Community Reacts
However, Australian lawyer Bill Morgan pushed back on Farina’s claims. He questioned the idea of getting priced out entirely, saying that people can always buy $100 worth of XRP today, and they’ll still be able to do that in the future.
Why will people be priced out of buying XRP. You can buy $100 worth of XRP today and you’ll be able to buy $100 worth of XRP in five years. Trading will not suddenly cease. https://t.co/mZAvDUOLzv
— bill morgan (@Belisarius2020) June 10, 2025
Essentially, Morgan pointed out that trading doesn’t stop, and anyone can buy small amounts, regardless of the token’s price.
Responding to the attorney, Nick, a crypto investor and the founder of Web3Alert, said it’s not about whether someone can buy $100 worth, but how much that $100 can actually get them.
According to Nick, in 2020, he could easily buy 10,000 XRP at prices between $0.11 and $0.20. That’s no longer the case. He believes XRP, like Bitcoin, has already moved out of reach for regular people looking to build life-changing positions.
Meanwhile, well-known XRP community figure Alex Cobb said in a separate commentary that he remembers when $100 bought 400 XRP. Today, that same amount only gets 43. He warned that this trend will likely continue, and retail investors could lose their window of opportunity completely within the year.
DisClamier: This content is informational and should not be considered financial advice. The views expressed in this article may include the author's personal opinions and do not reflect The Crypto Basic opinion. Readers are encouraged to do thorough research before making any investment decisions. The Crypto Basic is not responsible for any financial losses.
