XRP Investment: What 10,000 Tokens Cost Over Time

XRP has become a hot topic among crypto enthusiasts who are increasingly concerned that the digital asset may be slipping beyond the reach of everyday investors. With a significant surge in its value over recent months, the cost of acquiring a substantial amount of XRP has skyrocketed — a shift that has ignited robust discussion within the community.

From November 2024 through January 2025, XRP saw an explosive climb of nearly 600%, peaking at an impressive $3.40. Although a market correction followed, the token continues to trade at high levels, generating ongoing debate around the affordability of large holdings, such as 10,000 XRP. This discussion gained momentum due in part to the commentary from industry figures like Edoardo Farina, who contends that the current price point of around $2 remains a bargain in view of where XRP might head next.

Farina has repeatedly urged investors to consider purchasing 10,000 XRP tokens while the price is still within their budget. In another of his recent insights, he emphasized the urgency in acting swiftly, warning that the upward trajectory of XRP could soon push its cost range beyond the affordability of 99% of casual investors worldwide, due in large part to ongoing macroeconomic shifts.

Tracking the Cost of 10,000 XRP Over Time

To provide context for this growing concern, The Crypto Basic examined the price evolution of acquiring 10,000 XRP tokens over the years — a benchmark number many investors aim for. On June 11, 2024, XRP was valued at $0.48, placing the cost of 10,000 XRP at $4,800. This marked a relatively accessible investment compared to current valuations.

Looking back even further, the difference is more striking. On June 11, 2020, XRP traded at just $0.19, allowing investors to secure 10,000 tokens for a mere $1,900. Fast forward to today, XRP now commands a price of $2.29, meaning that same 10,000 XRP would cost $22,900 — an increase of $21,000 over five years, and $18,100 more than just a year ago.

This substantial rise underlines the growing concern among retail investors. While XRP’s price in early 2018 was once higher than now, many analysts argue that the crypto market is entering a new phase. They suggest that the prolonged bearish trends from previous years are unlikely to reoccur, and instead foresee continuous upward movement — a sentiment echoed by Farina and others.

Preserving Value in a Changing Economy

In his latest commentary, Farina posed a thought-provoking question: Is XRP becoming expensive simply because its price is rising, or is fiat currency losing value? He strongly encourages individuals to preserve their wealth through digital assets like XRP, rather than placing trust in depreciating traditional currencies.

Despite these views, some experts remain skeptical. Australian attorney Bill Morgan recently challenged Farina’s assertions, arguing that investors would still be able to acquire XRP, regardless of its price. In reply, Farina clarified the core of his concern: while XRP may always be available for purchase, amassing large quantities like 10,000 tokens may no longer be feasible for the average retail buyer due to the rising cost. As he noted, $23,000 for 10,000 XRP is already out of reach for many, in stark contrast to just five years ago.

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

This rise in entry-level cost represents a shift in the accessibility of digital assets and prompts a broader conversation. As XRP and similar assets gain traction and market confidence, their apparent affordability is disappearing. The token’s historical price trends offer a powerful reminder to investors about the importance of market timing and foresight.