XRP Set to Hit $5, Making Accumulation Increasingly Difficult

This warning comes as XRP finally broke the $3 barrier — hitting $3.16 — marking a psychological milestone after several failed attempts in previous months.

According to Xena, accumulating XRP is becoming increasingly difficult without a sizable investment. For example, at the current price, $1,000 only buys about 316 XRP — a sharp decline compared to July 2024, when the same amount could buy over 2,000 XRP at $0.48.

This erosion of purchasing power is causing concern among everyday investors. Xena noted that if the price continues to rise, XRP could soon be out of reach for those who once saw it as an accessible entry point into crypto.

Similar concerns were echoed by analyst Edoardo Farina when XRP hit $2. He pointed out that prices were already becoming unaffordable for regular investors trying to build substantial holdings.

Climbing into the XRP Rich List is No Longer Easy

Latest data shows that to join the top 10% of XRP holders, one needs to own approximately 2,400 XRP. At the current price, that would require over $7,500 — an amount that is out of reach for many average earners in countries like the U.S. or U.K. without consistent long-term savings.

As XRP becomes more expensive, the gap between smallholders and large investors continues to widen.

$5 XRP Could Price Out Even More Investors

Xena believes XRP may soon hit the $5 mark — a 57% increase from its current price. If that happens, most retail investors would likely only be able to afford “crumbs,” making it harder to gain meaningful exposure to the asset.

She argued that unless someone has access to large capital, buying 1,000 XRP or more is becoming unrealistic. This mirrors the path of many major cryptocurrencies: early stages of wide accumulation followed by limited ownership as prices skyrocket.

Xena’s observations highlight a broader trend across the crypto market — as prices rise, affordability becomes a major barrier for small investors. If XRP continues to appreciate, it may lose appeal among the very community that once helped propel its growth.