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

source-logo  thecryptobasic.com 01 January 2026 12:41, UTC
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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.

Telegaon price prediction

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.

thecryptobasic.com