The XRP community has continued to assess whether holding 10,000 XRP tokens could be sufficient for investors to retire.

As XRP struggles at the $2.2 mark, discussions around how much investors should own have sprung up as pundits suggest amassing more tokens amid the ongoing price consolidation, arguing that this might be their last opportunity to procure large amounts at cheaper prices.

Edoardo Farina, who founded Alpha Lions Academy, remains one of the most vocal supporters of holding at least 10,000 XRP. He believes that reaching this number could lead to financial freedom. 

Many analysts agree with this thinking, though their thresholds vary. Most of these analysts argue that XRP has the potential to reach prices as high as $100. However, this will depend on whether its utility in payments grows substantially. 

Would 10,000 XRP be Enough to Retire?

Notably, if XRP hits a $100 price, then 10,000 tokens would be worth $1 million. While a million dollars might be enough for some to retire comfortably, others believe it might not be sufficient depending on personal circumstances.

Panda, an active member of the XRP community from Singapore, recently asked whether 10,000 XRP would actually be enough to retire. His question hovered over whether XRP would surge to the extent of making these 10,000 tokens worth enough for retirement.

For context, if one needs to retire with $1 million by holding 10,000 XRP, the asset will have to reach $100 per token. However, those looking for a retirement goal of $5 million may have to wait for XRP to claim $500.

Responding to Panda, one community member dismissed the idea of retiring with just 10,000 XRP. The individual suggested instead that 100,000 tokens would be more realistic. Specifically, with 100,000 tokens, XRP needs only reach $10 to push an investment to $1 million.

Meanwhile, investor Caspian pointed out that success isn’t only about how many tokens someone owns. According to him, if XRP eventually plays a key role in global finance, holding 10,000 could be more than enough.

Market analyst Mr. Xoom, known for his generally optimistic outlook on XRP, dismissed the idea of retiring early. While he didn’t completely rule it out, the analyst suggested that it might take 20 to 30 years before holding 10,000 XRP pays off in a meaningful way.

Community Pundit Insists on More Productive Discussions

Elsewhere, another community figure, Xena, commented on the constant back-and-forth around this topic. She said the discussion often turns into a bragging contest, with people comparing who holds more XRP. 

Here we go again with the same discussion : is 10,000 XRP enough

X is an exhausting place 🤣

Always the same questions, with the same people showing their bags :

"look at my bag, look how big it is [compared to yours]"

Sometimes I think that's really sad to know these people… pic.twitter.com/p9ByCiRlZ3

— Xena XRP (@XenaXrp) June 10, 2025

Xena called it immature and said it’s sad to see so many chasing wealth without focusing on personal growth. According to her, money alone doesn’t buy respect, and many might face a harsh reality once the excitement wears off.

When someone asked Xena if she would not want 50,000 XRP, she noted that owning large amounts like 20,000 or even 200,000 is great if someone can manage it. 

Still, she pointed out that many people have real responsibilities, like supporting a family or dealing with emergencies, and can’t afford to lock away that kind of money. She criticized those who dismiss smaller holders without knowing their situations or considering that no one can predict XRP’s future price with certainty.

Meanwhile, Farina has not backed down from his view. He recently warned that 99% of retail investors may soon find it impossible to procure large amounts of XRP

For instance, in November 2024, when XRP traded at $0.50, anyone could buy that amount for $5,000. Today, with the price at $2.29, the same amount costs almost $23,000. Farina and other analysts believe that prices will keep rising, making that 10,000-token goal harder to reach for everyday investors.

Market technician EGRAG Crypto has identified a W pattern formation on the monthly XRP market cap chart, suggesting an imminent run beyond $1 trillion.

EGRAG disclosed this in a recent commentary, where he focused primarily on the XRP market cap chart. His analysis comes as XRP price continues to linger around the $2 mark, leaving its market largely between $120 billion and $145 billion since last month.

XRP Market Cap Forms W Pattern

According to EGRAG, the market cap, a direct product of XRP price action, is now in a bullish position. His monthly chart confirmed that the XRP market cap has now formed a W pattern, which also resembles a classic cup and handle structure. This indicates that a breakout to the upside is imminent.

For context, the formation of the pattern began as far back as 2018. Notably, XRP market cap dropped from a peak of $128.5 billion in January 2018 to hit a low of $5 billion in March 2020 before recovering to another high of $89 billion by April 2021. This formed the first part of the W pattern.

Interestingly, after the $89 billion top in April 2021, the XRP market cap collapsed again to another low of $13.88 billion by June 2022 following the Terra collapse that year. Now, the market cap recently rebounded to claim a new all-time high of $195 billion in January 2025. This second wave of movements completed the W formation.

Now, after breaking above the trendline of the W structure, the XRP market cap is retesting this breakout amid the ongoing price consolidation. As earlier mentioned, the market cap has fluctuated between $120 billion and $145 billion in recent times, awaiting a push to greater heights.

W Formation Could Push XRP Market Cap to $270B and $1.5T

Despite this consolidation, EGRAG confirmed that the XRP market cap has held above the previous all-time high of $130 billion from December 2024, which represents Fib. 1. He explained that this position above Fib. 1 indicates that XRP still shows signs of bullish accumulation.

He then presented several upside targets leveraging multiple approaches. Specifically, the first approach considers a measured move from the W formation. In this approach, the non-logarithmic move translates to a target of $270 billion, aligning with Fib. 1.618. This marks a new ATH, corresponding to an XRP price of $4.5.

Meanwhile, still within the first approach, the logarithmic move translates to a market cap target of $1.5 trillion, representing the largest upside target. With XRP’s current circulating supply, the $1.5 trillion market cap would lead to a price of $25. Notably, XRP would need to rise 991% from the current price of $2.29 to reach $25.

Additional Upside Targets 

However, the second approach considers XRP’s historical patterns from 2017. EGRAG confirmed that in 2017, XRP had to rally 242% from Fib. 1 to reach Fib. 1.618. Currently, XRP is already above Fib. 1, as it eyes the 1.618 extension. If it rallies another 242% to reach Fib. 1.618, this would push its market cap to $450 billion, leading to a price of $7.6.

For the third approach, he suggested that Fib. 1.618, the upside target, could translate to a market cap of $978 billion when considering the 2018 peak and the 2020 low. If this target materializes, it will push the XRP price to $17, considering the circulating supply.

Lastly, EGRAG leveraged a bullish pennant from the XRP/USD and XRP/BTC pairs to present the fourth approach. This pennant aligns with the XRP market cap, with an upside target of $1.2 trillion. Interestingly, this $1.2 trillion translates to an XRP price of $20.

XRP price could surge to incredibly higher levels if the crypto asset’s market cap reaches just 8% of the expanding U.S. M2 money supply.

XRP has recently shown signs of strength, climbing back to $2.24 after briefly dipping to retest the $2 level last week. Although the price bounced, it still hasn’t broken past the $3 mark, a level it has struggled with since February. 

Meanwhile, despite five straight months of bearish pressure, XRP has managed to stay above $2, and analysts see this as a sign of resilience. Many believe the $2 zone could serve as a base for a bigger move when market conditions improve.

US M2 Money Supply Grows: How Could This Impact XRP?

This optimism comes as the broader economy sees a growing money supply. The U.S. M2 money supply, which includes cash, checking and savings deposits, time deposits under $100,000, and retail money market funds, has been rising steadily since December 2023. 

Specifically, current data indicates that the M2 money supply now sits at $21.86 trillion, up 5.3% from December 2023, an increase of over $1 trillion.

Notably, a rising M2 usually indicates more liquidity in the system, which can drive demand for riskier assets like crypto assets. Essentially, when cash is easier to access and interest rates stay low, investors often move some of that capital into markets like crypto, hoping for better returns. 

This extra cash flow can push asset prices higher. However, the trend does not always play out in a straight line. For one, if inflation creeps up too quickly, the Federal Reserve may respond by raising rates or tightening policy. 

This change can reverse the momentum and weigh on crypto markets. So, while more money in circulation can boost assets like XRP, it actually depends on how investors and policymakers react.

XRP Price if Its Market Reached 8% of M2 Money Supply 

Now, with M2 growing, some in the XRP community have begun projecting what would happen if XRP captured just a fraction of that money. Amid the speculation, we recently assessed what XRP price might be if its market cap reached 8% of the U.S. M2 money supply. 

Notably, this 8% portion translates to about $1.748 trillion, considering the current M2 money supply. Such a valuation is much larger than Ethereum’s current market cap of around $301 billion, though still behind Bitcoin’s $2.1 trillion valuation.

For XRP to hit a $1.748 trillion market cap, its price would need to jump significantly. Specifically, with 58.82 billion tokens in circulation, XRP price would need to trade at around $29.73, bringing it close to the $30 figure. 

Interestingly, several analysts have suggested that XRP could reach $30. For one, market commentator Crypto Bulls suggested last month that XRP is programmed to claim at least $30 this cycle. 

Meanwhile, in March, analyst Steph insisted that XRP had already reached its bottom price for the cycle, suggesting a recovery could lead to an upsurge toward $30.