Why 1,000 XRP Might Soon Be Out of Reach for Most Investors

Lately, there’s been a lot of buzz around $XRP

XRPUSDT

2.4106
+3.08%

$XRP in the crypto world, and some interesting data has come out. According to the XRP Rich List, over 5 million XRP wallets currently hold less than 1,000 XRP. That says a lot about how retail investors dominate this space, but it also hints at a shift: 1,000 $XRP is becoming a key psychological milestone.
Wallet Breakdown: Retail Dominance is Clear
I took a deeper look at the wallet distribution, and here’s what stood out:
2.734 million wallets hold between 0 and 20 $XRP, which makes up about 42.2% of all wallets.
2.517 million wallets have between 20 and 500 XRP, accounting for 38.85% more.


So in total, around 5.25 million wallets, or over 81%, hold less than 500 $ XRP. This just shows how accessible XRP still is for the average investor, but also how fragmented and small-scale most holdings are.
1,000 XRP: The New Goal?
Right now, buying 1,000 XRP might still feel doable. But as the price climbs, analysts like Farina believe this goal could soon be out of reach for many. It's similar to how people got "priced out" of Bitcoin in its early days.
Some in the XRP community are already framing 1,000 XRP as a benchmark for future financial freedom. One analyst even said that 1,000 XRP could be "enough to live a free life" by 2029 — assuming a big bull run.
Price Predictions: Hope vs Reality
When it comes to where XRP might go, there are some wild predictions out there:
Javon Marks thinks XRP could 50x to $123 — possibly within a year.
Telegaon is more conservative, suggesting $100 XRP might happen by 2040.
Matthew Brienen, COO of CryptoGuard, predicts XRP could hit $1,000 by 2035.
On the flip side, Rajat Soni, a chartered financial analyst, calls these kinds of targets “mental gymnastics” and sees them as unrealistic.

The truth is, no one knows for sure. These projections depend on so many things — regulation, adoption, utility, and Ripple’s overall success.
Final Thoughts: Worth the Risk?
The fact that more than 5 million wallets hold less than 1,000 XRP shows two things: interest is high, but commitment is still cautious. A lot of people are just testing the waters.
Personally, I think setting a goal like 1,000 XRP makes sense — not as a guaranteed payday, but as a psychological milestone. Just remember, actual returns will depend on where the market goes and how things evolve for XRP in the real world.