XRP continues to generate buzz in the cryptocurrency space, with concerns mounting that many investors could be left behind financially before they grasp its full potential. XRP commentator Vandell Aljarrah, co-founder of Black Swan Capitalist, recently highlighted growing economic disparities in the U.S. and warned that most Americans aren’t financially equipped to seize the opportunity presented by emerging digital assets like XRP.
According to a tweet from Aljarrah, over half of Americans have less than $5,000 in savings. In his opinion, this stark statistic signals a grim reality—that the upcoming wave of cryptocurrency adoption could leave many on the sidelines, especially as XRP’s value continues to rise.
Looking at its past growth, Aljarrah noted that XRP was trading for less than a penny back in early 2017. Fast forward to today, and it’s valued at over $2.30. This remarkable rise of more than 42,000% underscores what Aljarrah views as a clear, upward path. Despite its historical gains, he still considers XRP dramatically undervalued, suggesting there is significant room for further growth. He maintains that current holders are still ahead of the curve in this evolving market.
One key point Aljarrah emphasized is how financial limitations are increasingly leaving individuals priced out. In 2017, $5,000 could have bought over 900,000 XRP tokens when prices hovered around $0.0055. Today, that same investment buys just over 2,100 tokens. This dramatic shift illustrates the dwindling opportunity to accumulate meaningful amounts of XRP, according to Aljarrah.
He has voiced concerns that by the time most people appreciate XRP’s financial potential, it may already be beyond their reach—both in terms of affordability and mindset. This sentiment is echoed by other crypto voices, including Edoardo Farina, founder of Alpha Lions Academy. Farina recently argued in a highly shared tweet that even owning as little as 1,000 XRP tokens could soon become unrealistic for a large portion of the population.
Current wallet data appears to support this claim. Out of the estimated 6.4 million XRP wallets, more than 5.2 million hold fewer than 500 tokens. Even at today’s relatively modest price of $2.35, holding 1,000 XRP is already a financial stretch for most. The implication is that if XRP’s price continues its upward trend as projected by some industry analysts, potentially reaching $100, substantial ownership will be limited to a very elite group.
Another critical aspect Aljarrah addressed is market volatility, a common concern among risk-averse investors. Contrary to mainstream fears, he argues that volatility shouldn’t be feared but embraced. According to him, volatility provides unique entry points and represents a window of opportunity for those who can navigate it strategically. Far from being a deterrent, price swings are part of the climb toward significant gains.
This mindset aligns with a broader narrative within the XRP community: that long-term vision and resilience could pay off massively for early adopters. With numerous institutions now exploring Ripple’s infrastructure for cross-border transactions, many analysts argue that adoption is on the cusp of a breakthrough. Those who wait too long may miss a historic opportunity to participate in a transformative shift within global finance.
As awareness around XRP continues to grow, voices like Aljarrah and Farina provide a sobering reminder: the window for affordable entry may be closing fast. For those with an interest in blockchain and digital assets, the time to act may be now—before XRP’s trajectory sets it beyond reach for the average investor.
