Edoardo Farina, the founder of Alpha Lions Academy, recently suggested that buying XRP now could be like buying land in Manhattan back in the 1800s. 

Notably, Farina believes XRP is still in its early growth stages despite its past gains, suggesting it could have massive potential, much like how New York City real estate skyrocketed in value over the past two centuries.

Manhattan Real Estate’s Historical Returns

For context, land in Manhattan in the late 1700s and early 1800s was incredibly cheap. For instance, in 1790, some plots on the Upper West Side were selling for as little as $50 per acre. Just a few decades later, in 1825, prices had jumped to $400 an acre. 

Meanwhile, by the late 1800s, prices skyrocketed further. Standard residential lots sold for $15,000 or more, while high-traffic corners like 72nd Street and Riverside Drive went for $50,000. 

One example is the lot at 67 Broadway. It was worth $12,000 in 1790, but by 1889, that same land was worth $800,000. The site at 26 Broadway, where Alexander Hamilton once lived, went from being a $10,000 property to housing the Standard Oil building, which was valued at $1.25 million. 

Interestingly, investors capitalized on this early and made substantial returns. In particular, John Jacob Astor, who initially gained wealth from fur trades, shifted his attention to New York real estate in 1799. By the 1830s, he had become more invested in the sector, eventually becoming America’s first millionaire.

Does XRP Boast a Similar Potential?

Importantly, Farina sees XRP in a similar light. As of now, XRP is trading at $2.42. At this price, XRP already boasts gains comparable to Manhattan real estate. 

For context, a decade ago, in May 2015, XRP traded at an average price of just $0.006. An investor who bought $20,000 worth of XRP back then would have received 3.33 million tokens. At today’s price, that stash would be worth over $8 million. This represents an over 40,000% return in ten years.

Despite this historical performance, Farina still thinks XRP has room for more growth. Notably, he has persistently encouraged investors to consider buying at least 10,000 tokens. His optimism has prevailed due to several bullish projections around XRP.

These projections come from the confidence that XRP could play a big role in the future of finance. Some analysts think XRP might take a leading role in the global shift toward tokenization, a market expected to grow to $18 trillion by 2033. Others see it replacing or at least working alongside SWIFT.

Returns on 10,000 XRP Investment at Ambitious Prices

If XRP succeeds in either or both of these areas, demand could skyrocket. As a result, ambitious price predictions have suggested the asset could reach $100 or even $1,000 in the future.

At today’s price of $2.42, an investment of 10,000 XRP would cost around $24,200. If XRP hits $100, those tokens will be worth $1 million, delivering a return of more than 4,300%. However, if it somehow reaches $1,000, that same amount of XRP will be worth $10 million, a 44,542% return.

Nonetheless, critics argue that XRP reaching $100 or $1,000 is not realistic at current market conditions. If XRP hits $100, its total market cap, based on the full supply of 99.8 billion tokens, would be around $9.9 trillion. This is already almost three times the value of the entire crypto market today, which stands at about $3.3 trillion. 

Meanwhile, if XRP hit $1,000, its market cap would shoot up to $99 trillion. This figure is more than the combined GDP of most countries and even more than the total value of all the gold in the world, which is roughly $21.4 trillion.

Crypto veteran Armando Pantoja has broken down how XRP holders can handle life-changing gains without losing it all.

If XRP ever clinches the ambitious yet much-discussed $100 price mark, many long-term holders could find themselves overnight millionaires. While that might seem like the ultimate goal, Pantoja, an investor since 2011, says sudden wealth can be as dangerous as it is exciting if beneficiaries are unprepared.

For Pantoja, the problem isn’t becoming rich; it’s staying that way. Without a solid plan, he warns that most people will make emotional, impulsive decisions they’ll later regret. Based on this, he outlined the strategy he believes every XRP holder needs before the next big move.

Define Your Freedom Number Before the Market Moves

According to Pantoja’s wealth-building framework, the first and most critical step is calculating what he calls a freedom number. This is the total annual income one would need to comfortably fund one’s ideal lifestyle. It covers everything from basic housing and living expenses to travel, personal goals, and future plans.

Once you’ve determined that monthly amount, multiply it by 12 for the yearly figure, then double it. He recommends doubling the amount, not for luxury, but as a margin of safety. Emergencies, unexpected changes, or the rising cost of living can all derail financial stability if there’s no room to adjust.

Build Wealth That Lasts by Preserving Your Principal

Pantoja noted the importance of not touching the original investment or principal after achieving significant gains. Instead, the focus should be on building a portfolio that generates sustainable, recurring income through avenues such as interest, dividends, staking rewards, or real estate.

This strategy helps ensure long-term financial independence and allows wealth to be passed down through generations. According to Pantoja, it’s the difference between temporary riches and a permanent shift in financial legacy.

Have a Written, Tested Plan in Place; Not Just Ideas

Too often, people wait until they already have wealth before figuring out what to do with it. Pantoja insists that’s a recipe for disaster. He recommends documenting a clear exit strategy well in advance.

Specifically, the strategy should outline how and when to take profits, where the money will go, and how it will sustain your lifestyle. Pantoja stresses that testing and revising this plan before the market booms can help prevent costly emotional decisions later.

XRP Reaching $100 and Becoming a Millionaire

As of today, XRP is worth $2.21. To reach $100, a growth of 4,425% would be required. At this price point, millionaires are those holding 10,000 tokens or more.

While some analysts project that XRP could reach $100 as early as 2025, other industry voices see this as a more long-term aspiration, possibly by the next decade.

Market expert  BarriC predicts XRP could reach $100 between 2034 and 2040, depending on factors like regulatory clarity and institutional adoption.

Crypto analyst ‘All Things XRP’ noted that XRP can surely hit $100 without market cap concerns. Remember that at $100, XRP’s market cap would be $5.8 trillion, based on a circulating supply of 58 billion tokens.

DAG Managing Director Claver also emphasizes the importance of strategic planning and emotional discipline to truly benefit from such price surges. According to Claver, even if XRP reaches $100, it may not transform your financial situation if you make critical investment mistakes.