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According to crypto entrepreneur Edoardo Farina, most individual XRP holders could find themselves shut out as inflation and tight budgets squeeze their options. He argues that owning more than 10,000 XRP – which costs about $23,100 at a price of $2.31 per token – has become a barrier for anyone living paycheck to paycheck.
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Rich List Data Reveals Concentration
Based on reports, there are about 6.55 million XRP wallet addresses in existence. Less than 4% of those wallets contain at least 10,000 XRP. A clear majority, over 5 million addresses, hold 500 XRP or fewer. That gap shows how stacked the system is.
More than 166,250 wallets sit in the 10,000–25,000 XRP range. Another 159,566 wallets carry between 5,000 and 10,000 XRP. These figures point to a small group with deep pockets, while the rest trail far behind.
Owning more than 10,000 $XRP nowadays is already a luxury few people can afford.
— EDO FARINA 🅧 XRP (@edward_farina) June 9, 2025
Inflation Pressures Hit Small Holders
Farina warns that rising inflation is forcing ordinary holders to sell just to cover daily needs. He notes, “We’re already seeing people around the world selling their XRP just to buy groceries.”
When basic goods cost more each month, people feel they have no choice but to cash out their crypto. It’s a harsh reality. Owning large amounts of XRP has morphed from a luxury into a struggle for survival.
Threshold Debate Heats Up
He first said 95% of XRP holders risk being priced out. Now he’s raised that warning to 99%. That jump has sparked debate. Some worry it feeds a fear of missing out on a “10,000-XRP club,” while others see it as a wake-up call.
Farina questions whether Bitcoin’s rally to about $112,000 really reflects growth, or simply the dollar losing its value. He frames the issue as a tug-of-war between crypto gains and fiat losses.
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Calls For New Income Streams
Instead of selling crypto, Farina urges holders to find extra income. He suggests side hustles or online work as ways to avoid cutting into holdings.
“If you truly believe XRP has long-term value, selling it now for groceries is exactly what they want you to do,” he said. His advice pushes people to rethink how they earn and where they live.
Crypto markets can move on legal news and product launches, not only inflation. Ripple’s ongoing court case and ETF filings could change XRP’s path.
Still, Farina’s message taps into a broader concern: the gap between small and large holders may widen as prices climb. Retail investors can still join in. They just need to pace their buys and stay aware of both crypto trends and everyday costs.
Featured image from Imagen, chart from TradingView
