XRP: Why Holding 50,000 Tokens Could Be Key in 2025

XRP continues to draw attention as analysts and community figures debate how much of the digital asset investors should ideally hold. With XRP experiencing remarkable gains over the last few months, a prominent market voice believes that accumulating 50,000 XRP might be the new baseline for serious investors.

According to data derived from XRP’s performance since November 2024, the token has delivered a staggering 374% gain, lifting its current value to around $2.37. Despite moves that some consider rangebound, these growth figures highlight XRP’s ongoing strength and volatility — characteristics that often leave undecided investors behind as prices climb.

The Shrinking Barrier for XRP’s Top 1%

Crypto commentator Vale has long advocated for a minimum holding of 50,000 XRP. Recently, he underscored how this number now nearly aligns with the threshold needed to join the top 1% of XRP holders. At present, this bar sits near 51,070 XRP — notably close to Vale’s recommended figure.

This pattern reflects shifting supply dynamics. Back in January 2025, the top 1% entry required 56,304 XRP, according to prior reports. By April 2025, as documented in another update, that number had dropped again to 52,030 XRP. With continued increases in XRP’s value, fewer coins are required to join this elite class — while ironically, the USD value required is climbing faster, likely sidelining new entrants.

Accumulation Strategies and the $50K Threshold

Vale’s calls for investors to hold a minimum of 50,000 XRP go back to late 2023. In one exchange, he replied to an investor who held 9,000 XRP, arguing that amount wasn’t sufficient. In his post from November 2023, Vale emphasized setting aside meme tokens in favor of building an XRP portfolio.

At that time, XRP was trading at just $0.62 — meaning an accumulation of 50,000 tokens would have cost roughly $31,000. Vale had expressed similar concerns even earlier in October 2024, when XRP sat at $0.51. Then, the cost to acquire 50,000 tokens was just $25,500. As of now, that same amount of XRP is valued at around $118,500, illustrating just how quickly prices — and the barrier to enter XRP’s top bracket — have escalated.

Had an investor followed Vale’s guidance last October and bought 50,000 XRP at $0.51, their holdings would not only be worth over $118,000 today but would also place them within XRP’s top 1% tier. Fast forward to the present — trying to replicate that entry now would require a spend of more than $121,000, assuming prices remain stable or continue upward.

Alternative Views on XRP Holdings

While Vale promotes 50,000 XRP as a significant benchmark, not everyone agrees with that exact number. Other voices within the community propose lower thresholds. For instance, crypto enthusiast Edoardo Farina argues that 10,000 XRP may be more than sufficient to benefit from potential price appreciation, especially if XRP meets long-term valuation targets.

This contrast highlights the differing investment philosophies in play—whether to pursue elite-tier placement via higher holdings or accumulate modestly and still expect substantial upside over time. Both views align under a common belief in XRP’s long-term viability and potential to unlock new wealth tiers once adoption scales further.

Related: Expert Advice: Sell XRP If You’re Confused

Final Thoughts

The conversation surrounding how much XRP to hold continues to evolve with the token’s market value. What once cost $25,000 now requires nearly five times that to achieve similar elite status. While 50,000 XRP remains a popular milestone among bullish pundits, investors must weigh their entry points, risk tolerance, and conviction in XRP’s future. Nonetheless, the shrinking coin requirement to enter XRP’s top 1% — despite rising fiat costs — suggests growing exclusivity in this tier, echoing an urgency for those still contemplating their position in the ecosystem.