is making headlines again — not just for breaking the $3 barrier, but for raising concerns about affordability for everyday investors. According to prominent XRP community commentator Xena, the asset may be entering a phase where its price growth could significantly limit access for retail participants.
XRP is currently trading at $3.17, and a $1,000 investment today can only secure 315 XRP — a sharp contrast to 2,083 XRP that the same amount would have bought in July 2024, when XRP was just $0.48. The rapid price increase has led Xena and other experts to warn that XRP could soon reach a valuation where many can only purchase a fraction of the token — or “dust.”
> “At $5, XRP will become dramatically too high for the average investor,” Xena explained, pointing to the pattern seen with Bitcoin, where a $1,000 investment today would only get a mere 0.008 $BTC
This forecast echoes sentiments shared by Edoardo Farina, another prominent figure in the XRP community, who earlier argued that XRP was already becoming too expensive when it hit $2. The barrier to entry into the top 10 of the XRP Rich List has also become steeper — requiring at least 2,400 XRP, an amount now out of reach for many U.S. and U.K. salary earners unless they save for months.
Xena believes this growing exclusivity will continue as XRP inches closer to the $5 mark and beyond, likening the journey to Bitcoin’s trajectory a decade ago.
With XRP climbing steadily and institutional interest growing, this may be the beginning of XRP's transition from an accessible altcoin to a high-priced asset class, available in full only to the early adopters and high-net-worth investors.
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