XRP has long sparked bold price predictions, and if you’re among the fortunate investors who one day net $1 million from it, knowing how to preserve and grow that wealth becomes essential.

The Dream: $1M from XRP

In the XRP community, it’s not uncommon to find optimists forecasting prices like $100, $1,000, or even $10,000 per coin. These projections present life-changing possibilities. If XRP ever reaches $100, investors with 10,000 XRP—currently worth around $30,000—could see that swell to $1 million. Similarly, if XRP climbs to $1,000, even just 1,000 coins (worth about $3,000 now) would hit the same figure. For those with 100 XRP, a price of $10,000 would bring the same milestone.

For many, the dream isn’t just about hitting that million-dollar mark. It’s about keeping it—and turning it into long-term financial freedom.

From Profits to Preservation: Advice from an Expert

Blockchain consultant and tech investor Armando Pantoja recently shared insights on how to manage such a windfall wisely. He pointed out a common pattern: bull markets mint plenty of millionaires, but many lose their fortunes within 18 months.

Pantoja argues that true wealth is achieved when money generates passive income, enabling financial independence without dipping into principal capital.

He recommends starting by diversifying your crypto holdings. First, allocate some of the profits into Bitcoin for its relative stability. Next, consider Ethereum not only for its market value but also its ability to earn passive income through staking. Importantly, he maintains that XRP still holds substantial potential, so it shouldn’t be discarded entirely.

Another critical piece of advice: don’t store large amounts of crypto on exchanges. According to Pantoja, many platforms collapse in bear markets—even the large, seemingly reliable ones. Self-custody through wallets offers greater safety for long-term holds.

Borrow, Don’t Sell: Unlocking Liquidity the Right Way

When it comes to accessing capital, Pantoja encourages a more strategic method than liquidation. Instead of selling assets—and potentially triggering taxes—he suggests borrowing against crypto through tax-efficient loans. This allows investors to maintain their crypto holdings while using the loan proceeds to purchase income-generating assets.

Several analysts support this view, recognizing it as a way to avoid capital gains while keeping exposure to appreciating assets.

Among the suggested investments: rental properties, dividend-producing stocks, and especially farmland. Pantoja notes that farmland often delivers annual returns between 10% and 12%, making it a stable, underappreciated vehicle for long-term growth.

Farmland can offer reliable, low-risk returns for XRP investors aiming to diversify.

Legal Structures for Long-Term Wealth Preservation

Beyond investing, wealth should be protected through legal and financial safeguards. Pantoja highlights the importance of tools such as insurance policies, LLCs, trusts, and retirement accounts. These instruments can shield assets from liability and taxes, ensuring the wealth can last generations if handled properly.

“Real wealth is quiet,” the consultant notes. It’s not about flashy spending but careful, strategic planning. Long-lasting prosperity comes not from just one windfall, but from building a sustainable financial ecosystem that continues delivering returns year after year.

Optimistic but Divisive XRP Price Forecasts

The conversation surrounding XRP’s potential value isn’t new, but it’s growing more intense. While skeptics argue that XRP’s large circulating supply limits how high the price can reasonably go, high-profile predictions are still circulating.

For example, Matthew Brienen, the Chief Operating Officer of CryptoGuard, recently predicted that XRP could hit the $100–$1,000 range within the next 10 years.

Versan Aljarrah, co-founder of Black Swan Capitalist, went even further, suggesting that $1,000 would become the baseline, not the peak. Meanwhile, Jake Claver termed a $10,000 XRP price “not out of reach.”

Regardless of how realistic those figures may be, one thing is clear: should such outcomes unfold, smart financial stewardship will be critical in turning short-term gains into generational wealth.