Vandell Aljarrah, co-founder of Black Swan Capitalist, issued a statement warning about the accessibility of XRP amid growing concerns over financial inequality in the U.S. According to Aljarrah, a large portion of Americans may be left behind as cryptocurrency adoption accelerates, particularly due to limited personal savings.

Citing recent statistics, Aljarrah emphasizes that more than half of Americans have savings of less than $5,000. He argues that this figure creates a significant barrier for those wanting to invest in digital assets like XRP but lacking the necessary financial resources to do so at current price levels.

Historical Price Growth Shows Limited Time Frame

XRP's performance over the years illustrates the potential impacts of this financial divide. At the beginning of 2017, XRP was trading at just $0.0055. At that price, an investor with $5,000 could have accumulated about 909,090 XRP tokens. With the current market price of $2.35, that investment would now be worth over $2.1 million if the holder retained the entire amount.

However, today, that $5,000 investment only yields about 2,127 XRP. Aljarrah argues that this significant change in purchasing power indicates a trend where many individuals may not be able to afford to buy large holdings of XRP without realizing it, especially as prices continue to rise.

Most XRP wallets hold small balances

Supporting this viewpoint is data from the XRP Rich List, showing that among approximately 6.4 million existing XRP wallets, over 5.2 million wallets contain 500 XRP or less. This means that the majority of current holders do not own large amounts, further emphasizing the difficulty in accumulating significant amounts of XRP over time.

Edoardo Farina, founder of Alpha Lions Academy, has expressed similar views in the past. Recently, he argued that purchasing even 1,000 XRP tokens could soon become unfeasible for many retail investors. As the value of XRP continues to rise, both analysts believe that meaningful investment opportunities are rapidly diminishing for the average person.

Market volatility is seen as an opportunity

While critics often point to price volatility as a reason for caution, Aljarrah maintains that such fluctuations should not deter potential investors. He describes volatility as a characteristic of the market that can be leveraged, rather than feared. This view aligns with a broader perspective in the cryptocurrency investment community that significant financial returns often follow periods of price instability.

There is increasing interest in the potential utility of XRP in global finance, particularly in cross-border payments. Institutional investors and fintech companies are increasingly exploring its use to facilitate faster and more efficient transactions.

With the potential adoption by institutions on the horizon, analysts like Aljarrah and Farina argue that the time for retail investors hoping to build significant XRP portfolios is limited. They suggest that once mainstream usage begins, any opportunity for widespread individual participation may have already passed.