The cryptocurrency market continues to evolve, and despite dramatic price swings and growing mainstream attention, many experts believe we're still in the early chapters of this financial revolution. One particularly compelling perspective comes from The Modern Investor, a well-known crypto YouTuber, who recently emphasized that XRP has not yet reached $100—a milestone often cited by enthusiasts—as evidence that the broader market remains in its infancy.
Currently, XRP trades at approximately $2.16**, while Bitcoin (BTC) hovers around **$104,855. At first glance, these figures may seem substantial, especially compared to their values just a few years ago. But according to The Modern Investor, both assets are still far from their long-term potential. He argues that if XRP hasn’t even touched $100 and Bitcoin remains significantly below the oft-discussed $2 million mark, then the market as a whole is nowhere near maturity.
This outlook isn’t meant to discourage investors—it’s a reminder that strategic patience and consistent accumulation can yield life-changing results over multiple market cycles.
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Could XRP Really Hit $100?
While $100 for XRP might sound ambitious—especially given its current price—it's not an entirely unfounded prediction. Some analysts suggest this level could be achievable over two to four full market cycles, particularly if regulatory clarity improves and adoption expands globally.
The Modern Investor doesn't dismiss this possibility. In fact, he acknowledges that compound growth across bull markets has historically allowed even mid-tier cryptocurrencies to achieve exponential gains. The key lies in understanding the power of long-term holding and the compounding effect of reinvested gains through mechanisms like staking.
He highlights how people often underestimate what’s possible when time and consistency are on their side. For example, someone who began buying small amounts of XRP every month during previous bear markets would already be sitting on significant unrealized profits today.
The 10,000 XRP Benchmark: Still Within Reach?
A growing narrative in the crypto space revolves around owning at least 10,000 XRP—a threshold popularized by market commentator Edoardo Farina. At today’s price, that amounts to roughly $21,600, making it a meaningful but not impossible goal for dedicated investors.
However, The Modern Investor offers a nuanced take: while the intent behind Farina’s message is sound—encouraging meaningful exposure to promising assets—the reality is that accumulating such a position is becoming increasingly difficult for the average person.
“Owning 10,000 XRP will soon be out of reach for 99.9% of people,” Farina stated—an observation The Modern Investor agrees with.
Just a few years ago, when XRP traded near $0.50**, acquiring 10,000 tokens cost only $5,000. That window has narrowed rapidly as prices and awareness have risen. Now, data from the XRP Rich List shows that wallets holding 11,000 or more XRP represent just 4% of all active addresses, with only about 263,206 addresses** in this elite group out of an estimated 6.5 million total wallets.
But here's the opportunity: those who do manage to accumulate and hold 10,000+ XRP stand to benefit enormously if the asset ever reaches $100. At that point, their holdings would be worth **$1 million**—a life-altering sum for most individuals.
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Why It’s Not Too Late to Start
One of the most empowering messages from The Modern Investor is this: missing earlier entry points doesn’t mean you’ve missed everything. The crypto market is still young, and new cycles bring fresh opportunities.
He shares stories from his audience—people who’ve been buying small amounts of crypto every few weeks for six years without trying to time the market. Many of them have already met their investment goals or are close to achieving financial security—all through consistency rather than luck.
Moreover, the rise of staking and yield-generating strategies adds another layer of potential return. Unlike traditional assets that merely appreciate (or depreciate), digital assets like XRP and Bitcoin (via wrapped versions or Layer-2 solutions) can now generate passive income when locked in staking protocols.
This shift means investors aren’t just waiting for price appreciation—they’re actively earning while they hold.
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Frequently Asked Questions (FAQ)
Q: Is it realistic for XRP to reach $100?
A: While $100 is highly ambitious given XRP’s current supply and market cap, it’s not impossible over multiple bull cycles. It would require massive adoption, favorable regulation, and increased utility within Ripple’s payment network. Most experts view this as a long-term, multi-decade possibility rather than a short-term forecast.
Q: How much should I invest in XRP?
A: Only invest what you can afford to lose. Diversification is key—consider allocating a small percentage of your portfolio to high-potential assets like XRP while maintaining balance with more established options like Bitcoin and Ethereum.
Q: Does holding XRP earn passive income?
A: Direct staking isn’t available on the XRP Ledger, but some exchanges offer rewards programs where you can earn yield by locking XRP. Always research the platform’s security and terms before participating.
Q: Why is accumulating 10,000 XRP considered significant?
A: Because at scale, even modest price increases translate into large gains. If XRP reaches $10, 10,000 tokens equal $100,000; at $100, they equal $1 million. It represents a psychological and financial milestone for long-term holders.
Q: Are we still in the early stages of crypto?
A: Yes. With low global adoption rates, evolving regulations, and ongoing technological development, most analysts agree we’re likely in the first or second inning of the crypto era—especially for altcoins like XRP.
Q: What’s the best strategy for new crypto investors?
A: Dollar-cost averaging (DCA)—buying small amounts regularly—reduces timing risk. Combine this with secure storage (like hardware wallets) and long-term holding for optimal results.
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While the dream of $100 XRP remains distant, the journey toward it underscores a powerful truth: the crypto market is still young, and intelligent, disciplined investors still have time to position themselves for transformative gains. Whether through consistent buying, staking rewards, or simply staying informed, the path to financial growth in digital assets remains open—to those willing to take the first step.