As the price of XRP is expected to rise, investors are increasingly concerned about affordability, especially when purchasing large amounts like 10,000 tokens. This concern has garnered attention within the XRP community after the token's price surged significantly from November 2024 to January 2025. During this period, XRP increased by nearly 600%, reaching a peak of $3.40 before undergoing a market correction.

Currently, the token is trading around $2.14. Although this is a significant drop from recent highs, the current price represents a substantial increase compared to previous years. For some community commentators, this trend emphasizes the urgency of accumulating XRP while it remains relatively accessible.

Historical Costs

To better understand how the rising price of XRP affects investors, let's compare the cost of purchasing 10,000 XRP over the past five years for useful context. On June 11, 2020, XRP was priced at around $0.19. At that time, 10,000 XRP could be purchased for $1,900.

A year ago, on June 11, 2024, XRP was trading at around $0.48. At this price, purchasing 10,000 tokens would require $4,800.

As of June 2025, with XRP priced at $2.29, the same package of 10,000 tokens is now valued at $21,400. This figure marks an increase of $16,600 compared to a year ago and over $19,000 compared to five years ago.

Community Comments and Concerns

XRP supporter Edoardo Farina has spoken out about the importance of accumulating XRP before it becomes out of reach for average investors. He frequently recommends securing at least 10,000 XRP, emphasizing the asset's future potential and warning that retail investors may eventually be unable to afford large quantities if prices continue to rise.

In a recent statement, Farina argued that macroeconomic factors such as inflation and the declining value of fiat currency may also contribute to rising costs of digital assets. Therefore, he recommends holding assets in cryptocurrency like XRP instead of traditional currencies.

Farina's views have sparked controversy. For example, legal expert Bill Morgan responded by pointing out that investors can still buy smaller amounts of XRP regardless of the price. Farina later clarified that his argument was not focused on individual affordability for XRP, but rather on the increasing difficulty for average investors to acquire large holdings like 10,000 tokens.

Although the price of 10,000 XRP has been higher at various points in the past, such as during the bull market in early 2018, many analysts argue that the conditions leading to long-term declines in the past are unlikely to be repeated. This sentiment supports the view that further growth is likely, reinforcing calls from figures in the community like Farina to invest while prices remain relatively low.

The price trajectory of XRP over the years shows a narrowing opportunity to purchase large quantities at reasonable prices. Whether the token reaches new highs or not, the increasing capital required to own 10,000 XRP may soon make such holdings unaffordable for most retail investors.