Holding 10,000 XRP tokens is becoming a major topic of discussion among investors looking at long-term profits from this digital asset. With XRP currently trading at $2.24, such a stake is valued at $22,400 at the current market rate.

Based on current data from the XRP Rich List, less than four percent of XRP wallets hold more than 11,000 tokens. This implies that owning 10,000 XRP makes an investor part of a relatively small group in society.

Telegaon, a digital asset prediction website, estimates that XRP will rise to 160.34 by 2040. The most pessimistic predictions still estimate the value at 119, so a holding of 10,000 tokens would be worth at least 1.19 million.

Another separate forecast from the cryptocurrency exchange Changelly suggests that the price of XRP could reach $1,415.83 by the end of 2040. If this happens, a $22,400 investment would grow to over $14.15 million, yielding over 65,000 percent in returns.

Institutional activity is increasing, and the development of ETFs adds to investor confidence.

Institutional moves in the XRP space are also driving investor optimism. At least eight companies have added XRP to their reserves, with total reported holdings nearing $1 billion.

More than 10 XRP spot ETFs are currently being developed and supported by asset managers such as Grayscale, Bitwise, and Franklin Templeton. These products aim to provide direct exposure to the market value of XRP through regulated investment methods and channels.

Although the upward price trend may hold true, analysts are warning about potential downturns. Recently, Bitwise estimated that the price could drop to $0.13 if XRP does not gain growth momentum in cross-border payments and crypto assets.

Such a situation would reduce the actual value of an asset like 10,000 XRP to just $1,300, which is a loss of over 95 percent. According to reports, this decline may not happen until 2030, with no clear signs of the final outcome.

The long-term value of 10,000 XRP is heavily dependent on adoption, institutional support, and market direction. While some forecasts indicate millionaire outcomes, others show significant loss risks, making strategic planning necessary. $BTC