Widening Gap in XRP Ownership Creates Opportunity for Small Investors to Accumulate

Edoardo Farina, founder of Alpha Lions Academy and a known advocate for XRP, has recently drawn attention to the widening gap in XRP ownership.

Edoardo Farina, founder of Alpha Lions Academy and a known voice in the crypto sphere, recently highlighted the widening gap in ownership of XRP tokens.

According to Farina, the prospect of owning 1,000 XRP tokens is rapidly becoming less attainable for many individual investors. At the current market rate of approximately $2.33 per token, this would require a capital outlay of $2,330, an amount that may be inaccessible to many retail participants.

Historical pricing data further underscores this shift. Back in November 2024, XRP was trading at under $0.50, enabling investors to purchase 1,000 tokens for roughly $490. Since then, XRP’s value has seen a sharp rise, increasing more than five times in just seven months.

Most people will NEVER own anything near 1,000 $XRP.

— EDO FARINA 🅧 XRP (@edward_farina) May 10, 2025

Wallet Data Reflects Ownership Inequality

A glance at the XRP Ledger reveals that a large portion of wallets are holding relatively small amounts of XRP. Out of the approximately 6.5 million XRP addresses in existence, over 5 million wallets contain less than 500 XRP each.

To be more precise, about 2.7 million wallets hold between 0 and 20 XRP, while 2.5 million wallets are in the bracket of 20 to 500 tokens. Combining these figures, it's clear that around 81% of XRP holders manage portfolios with fewer than 500 tokens, a stark contrast to the 1,000-token benchmark.

As XRP continues to appreciate in value, analysts and commentators suggest that the number of wallets with holdings above 1,000 XRP is likely to shrink further. This trend is often described as a gradual exclusion of small investors from significant ownership due to escalating entry costs.

Arguments in Favor of Holding 1,000 XRP

Despite the challenges of acquiring larger amounts, many within the XRP community, including Farina, suggest that the 1,000-token mark is a significant financial milestone to strive for. They argue that holding this amount could yield considerable returns if XRP reaches certain future price targets.

Some projections indicate that if XRP were to hit $100, a 1,000-token holding would be valued at $100,000. More optimistic forecasts suggest that if the asset reaches $1,000 per coin, such a portfolio could be worth $1 million.

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Forecasts Vary Widely Among Experts

The timeframe for XRP to reach these valuations is a topic of ongoing debate among financial analysts and researchers.

Some analysts, such as Javon Marks, are optimistic about a near-term surge to $100. However, researchers at Telegaon estimate that it might take until 2040 for XRP to reach the triple-digit price point.

In another analysis, Matthew Brienen, COO at CryptoGuard, projects that XRP could hit $1,000 by 2035. Nonetheless, financial analyst Rajat Soni III has called such projections unrealistic, arguing that even a $100 valuation by 2030 would require an unsustainable market capitalization.

While the goal of owning 1,000 XRP is shared by many investors, the average individual may find it increasingly difficult to achieve with large amounts of capital required. As price gains continue and ownership data reflects an unequal distribution, cryptocurrencies may become less accessible to retail participants seeking meaningful exposure.