Expert Says If You Hold XRP, a Time Will Come When You Won’t Know Exactly How Much Money You Have

Finance commentator and XRP supporter John Squire says that people who hold XRP for a long time may one day lose track of how much their investment is worth.

His comment highlights strong optimism among holders about XRP’s future and its role in global finance.

While XRP remains under $2 today, Squire wrote on X that XRP holders may reach a point where they no longer know their exact wealth because the asset has grown so much.

Popular Hope to Get Rich via XRP

Many XRP supporters believe its value could increase over time due to factors such as institutional adoption, ETF investments, and real-world use cases. They paint a long-term future in which even modest holdings could turn into substantial wealth for investors.

This perspective is widely shared among XRP supporters. For instance, an NFT project founder named Bark has said XRP could help many people retire one day.

Meanwhile, questions continue to circulate about how high XRP’s value could reach and how many tokens retail investors would need to hold for their financial situation to significantly change through price appreciation.

The Numbers at Today’s XRP Price

Many analysts have described holding between 1,000 and 10,000 XRP as a meaningful long-term position for retail investors. Some, like Edoardo Farina, call 1,000 XRP the minimum, arguing that those holding less are not serious about their finances.

At the time of writing, XRP is trading at $1.85. Accordingly, it costs $1,850 to buy 1,000 XRP tokens, about $9,250 for 5,000 XRP, and roughly $18,500 for 10,000 XRP.

The view among XRP supporters is that these holdings are more likely to reach million-dollar valuations in the future. However, forecasts for XRP vary widely.

Telegaon projects XRP’s price could trade between $80 and $120 between 2035 and 2040. At $100, 1,000 XRP would be worth $100,000, a six-figure amount.

Meanwhile, 5,000 XRP would be worth $500,000, and 10,000 XRP would reach $1 million, elevating such holders to millionaire status.

Changelly’s more aggressive outlook places XRP between $150 and $200 in the same timeframe. At $200, a 10,000 XRP position would be worth $2 million.

Some analysts, such as Jake Claver, have even floated four-digit price scenarios if XRP becomes deeply embedded in global payment infrastructure.

While optimistic, these outlooks are highly speculative. They would require several thousand percent price growth for XRP and a market capitalization approaching $60 trillion. Many consider it unrealistic.

Institutional Strength

Optimism around XRP has also been supported by institutional interest. Recent spot XRP ETF launches by firms such as Franklin Templeton, Grayscale, Bitwise, and Canary Capital have reportedly absorbed $1.25 billion worth of XRP in a short period.

Market watchers believe that sustained ETF inflows, combined with corporate treasury adoption and XRP’s role in cross-border payments, could create long-term supply pressure. This has led some analysts to suggest XRP could reach double-digit prices sooner than many expect.

Long-Term Message, Not a Price Prediction

Ultimately, John Squire is not predicting a specific price for XRP. Instead, he is highlighting how long-term growth could change an investor’s financial situation over time.

While there is no guarantee that XRP will reach extremely high prices, many supporters believe its current valuation does not fully reflect its utility.