According to a crypto academy founder, XRP holders could potentially see significant profits if they can weather the current economic storm.

Edoardo Farina from Alpha Lions Academy suggests that XRP tokens may soon become exclusive to the wealthiest 1% of investors. He believes this will happen as everyday individuals are compelled to sell their holdings to cover essential living costs.

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Economic Hardships Are Pushing Out Everyday Investors

Farina points out that global economic conditions have deteriorated considerably since 2019. Many people across the globe are grappling with soaring inflation and living costs that are rising faster than their wages. This financial strain is forcing numerous crypto owners to liquidate their digital assets, including XRP, simply to afford basic necessities like food and housing.

Farina highlights that credit card debt and missed payments have reached unprecedented levels. For those living paycheck to paycheck, investing in cryptocurrencies such as XRP is unfortunately becoming an unaffordable luxury. This trend is causing retail investors to retreat from the market, paving the way for larger institutions to dominate.

Only 1% Will Be Able to Afford $XRP Soon
The cost of living is exploding. Most investors are drowning in debt and being forced out of the crypto markets.

HODL strong, XRP community, our time is coming. ⚔️ pic.twitter.com/BHMtltavPM

— EDO FARINA 🅧 XRP (@edward_farina) March 23, 2025

Big Money Players Accumulating XRP as Public Sells Off

As everyday investors withdraw from the market, Farina suggests that major financial institutions are capitalizing on the opportunity, amassing significant amounts of XRP. These large players are investing in the cryptocurrency’s long-term potential, seeing it as a key component of the future financial landscape.

According to Farina, XRP order books are currently five times thinner than in previous market surges, indicating a decrease in retail investor activity. This shift could significantly alter the supply and demand dynamics for XRP, potentially pushing prices to new peaks. With fewer holders and reduced market liquidity, those who maintain their crypto positions might be looking at substantial profits.

XRP market cap currently at $123 billion. Chart: TradingView.com

Central Bank Digital Currencies Could Propel XRP Value

Farina also highlights central bank digital currencies (CBDCs) as another factor that could increase the altcoin’s price. For example, a digital euro and other European CBDCs could be introduced as early as 2025.

Farina anticipates that the XRP Ledger could become a vital infrastructure component for the CBDC ecosystem. He mentioned Montenegro’s successful trial of the XRP Ledger. He believes that once the digital euro becomes operational on the Ledger, XRP prices could see explosive growth.

He drew a comparison to Stellar (XLM), noting the price surge when Ukraine announced its CBDC development on Stellar’s blockchain last year. Farina suggests XRP holders might witness similar gains if such announcements related to XRP materialize.

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Challenges Ahead, But Potentially Huge Rewards

While Farina paints a challenging picture for the average investor, he maintains that those who persevere and hold onto their altcoins through these tough times could reap extraordinary rewards. His optimistic outlook includes potential price targets for XRP reaching $100 or even $1,000 per token.

According to Farina, the number of XRP holders is expected to decrease significantly by the time these ambitious price levels are achieved. For the few investors who manage to maintain their holdings, the future could indeed hold the promise of considerable wealth.

Featured image from Gemini Imagen, chart from TradingView