Pundit Says We Don’t Have a $100 XRP Yet—Proof the Market Is Still Early

According to The Modern Investor, a well-followed crypto YouTuber, the current prices of XRP and Bitcoin show the crypto market is still early.

The market is Still Early with XRP below $100

For context, XRP currently changes hands at $2.16, while Bitcoin (BTC) trades for $104,855. In a recent video, The Modern Investor argued that with XRP below $100 and Bitcoin still trading way below $2 million, the broader market has yet to mature. 

Notably, his commentary sought to remind everyday investors that they still have time to set themselves up for long-term gains if they act wisely and patiently.

During his analysis, The Modern Investor called attention to a previous disclosure from someone who predicted that XRP would eventually hit $100. While the person didn’t specify a timeline, they suggested the price could climb that high over the course of two, three, or even four market cycles. 

The Modern Investor did not dismiss the idea. Instead, he acknowledged that, logically, XRP could eventually reach that target. He pointed out that people tend to underestimate the power of long-term accumulation, especially when a coin moves through multiple bull cycles.

The Prospect of Holding At Least 10,000 XRP

Moreover, he referenced calls from market pundits like Edoardo Farina, who has challenged investors to procure and hold at least 10,000 XRP, currently worth $21,600. According to him, he does not fully agree with the numerical assumptions in the message. 

He explained that while the heart of the commenter might have been in the right place, the math felt disconnected from reality. The Modern Investor argued that procuring 10,000 XRP tokens is a luxury many investors cannot afford. Interestingly, Farina shares the same sentiment.

In fact, The Modern Investor also highlighted Farina’s disclosure on this, which claimed that owning 10,000 XRP would soon become nearly impossible for 99.9% of people. He agreed with that take and called it an uncomfortable truth.

He mentioned how quickly asset prices can climb out of reach. Years ago, anyone could gradually build up crypto holdings, but that window is closing quickly. 

Window Still Open Despite Missing Out on Lower Prices

Notably, Farina began his campaign months back, when XRP still traded around $0.5, and 10,000 tokens had a worth of $5,000. Today, most cannot afford them. Data from the XRP Rich List shows that investors holding at least 11,000 XRP are now among the top 4% richest. 

Specifically, there are only 263,206 addresses within this top 4%, representing about 4% of the 6.5 million XRP wallets available today. However, those who already own at least 10,000 or 11,000 XRP would have already positioned themselves for massive gains when the market matures. For example, if XRP does hit $100, then owning 10,000 units would amount to $1 million. 

The Modern Investor shared that many of his viewers have told him they’ve spent the last six years buying small amounts of their favorite coins every few weeks. Some have already reached their investment goals simply by staying consistent. If the crypto assets perform as expected, those people could end up financially secure for life.

He also discussed the growing ability to stake major assets like XRP and Bitcoin. He believes staking will allow investors to earn passive income as they watch their investments grow. Essentially, despite some investors missing out on amassing at lower prices, the analyst still believes the window is open, as the market is still early.