Is it still possible to become a crypto millionaire in 2025 or 2026 just by holding XRP? According to an analysis from market experts as posted by TheCryptoBasic on X, the answer might be yes. The numbers are not as out of reach as many investors think.
In a recent episode of The Good Evening Crypto show, analysts Abdullah “Abs” Nassif and Johnny laid out their views on how much XRP tokens it might take to cross the million-dollar mark in the next year or two. Their comments have since gained traction in the crypto space, especially as Ripple price sentiment continues to shift toward the bullish side.
Nassif started by pointing out several major developments that could impact the XRP price soon. He mentioned Ripple CEO Brad Garlinghouse’s upcoming appearance before the Senate Banking Committee, as well as the Crypto Clarity Act, which the House plans to review in the coming weeks. Both events could send a strong signal to institutional investors, especially those waiting for clearer rules before buying in.
He also cited growing interest from Wall Street and global banks. According to Nassif, this could be the trigger for a market shift that pushes Ripple price much higher than most expect. He brought up the XRP Rich List to give context. Right now, holding 2,500 XRP puts an investor in the top 10% of wallets worldwide. To break into the top 1%, though, you’d need 51,300 XRP.
At the start of the conversation, Nassif mentioned some of these bullish factors, which include Ripple CEO Brad Garlinghouse’s upcoming appearance before the Senate Banking Committee and the House’s plans to review the Crypto Clarity Act in two weeks.According to him, growing… pic.twitter.com/n1hR1bvTEy
— TheCryptoBasic (@thecryptobasic) July 9, 2025
That may sound like a lot, but Nassif believes many people underestimate how easy it is to reach that level. He said XRP doesn’t need to do anything extraordinary. It just needs to follow a path similar to what Bitcoin has already done over the past decade. If that happens, XRP price targets of $10, $20, or even $50 aren’t out of the question.
He backed this up by highlighting key growth drivers like the ISO 20022 messaging standard, the rise of stablecoin transactions, and increasing adoption from major financial players. Together, he believes these factors could create the perfect storm for an XRP breakout.
How Many XRP Tokens Could Make You a Millionaire?
Johnny broke it down even further. He said the XRP price journey will likely come in two phases. First comes the speculative phase, which he believes will be triggered by regulation. Then comes the utility phase, where real-world adoption and use cases push XRP further.
Based on these assumptions, Johnny laid out three scenarios:
In the first, XRP reaches between $10 and $12 in the next 12 to 24 months. At that price, you’d need to hold about 100,000 XRP to reach $1 million. That would cost you around $232,000 today.
In a more bullish scenario, XRP climbs to $54. At that level, just 18,000 XRP would be enough to hit seven figures. That many tokens currently cost about $41,760.
But Johnny said the most likely outcome is somewhere in between. He thinks $25 is a more realistic XRP price target in the next couple of years. If that plays out, 40,000 XRP would be worth $1 million.
So the magic number for becoming an XRP millionaire ranges from 18,000 to 100,000 tokens depending on how much the Ripple price moves after regulation. It all comes down to how much the market buys into XRP’s utility and how fast that shift happens.
Time May Be Running Out to Buy XRP Cheap
Back to Nassif, he offered some perspective on how fast things can change. In November last year, 2,500 XRP was worth just $500. Today, that same amount is over $5,000. That’s a 10x move in less than a year.
He warned that the window to build a large position in XRP is closing quickly. With big companies already preparing to enter the market, regular investors may soon find themselves priced out.
He estimated that to join the top 1% of XRP wallets today, you’d need to invest around $100,000. But if XRP reaches $50 like Johnny suggested, that same investment could be worth $5 million.
Nassif also explained why he believes Ripple has a better return outlook than Bitcoin. Bitcoin would need to add $2 trillion in new market cap just to double from here. XRP only needs $130 billion to do the same. That’s why Nassif says holding 25,000 XRP could be enough to reach millionaire status in the near future.
Read Also: How Much Could 1 Billion Shiba Inu (SHIB) Tokens Be Worth by 2030 If You Buy Today?
The Next Phase Could Be Important for Ripple Price
Both Nassif and Johnny agree that the next 12 to 24 months could be critical for XRP. With regulation on the horizon and financial giants eyeing the space, the Ripple price could be on the verge of a major shift.
Johnny urged viewers to act before the momentum begins. He believes the current prices won’t last long. Nassif echoed the same view and warned that once utility kicks in, XRP could move much faster than most expect.
This view is also supported by other analysts like Edoardo Farina, who have continued to stress the long-term potential of Ripple and XRP in a regulated environment. For anyone considering a serious XRP investment, the analysts suggest doing it sooner rather than later. The price range for potential millionaires may still be within reach, but maybe not for long.
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The post How Much XRP Do You Need to Become a Millionaire in 24 Months? appeared first on CaptainAltcoin.
