I've noticed many people discussing $XRP tend to jump to "$10, $50, $100," but few have actually done the math
Currently, XRP is priced at just over $1, yet its market capitalization is approaching $100 billion. This means it's no longer the small cap coin that could easily multiply 100 times
If it rises to $5 in the future: you'd need close to 200,000 XRP to reach a $1 million account value
If it rises to $10 in the future: you'd still need around 100,000 XRP
This is why I increasingly feel that the biggest misconception most people have about XRP isn't underestimating it, but rather overestimating its potential for rapid wealth accumulation
I'm not bearish on $XRP
Quite the opposite
I believe its most valuable aspect has gradually shifted from being a "speculative asset" to an "infrastructure asset"
ETFs, institutional payments, regulatory clarity…
These are the real variables determining its future price ceiling
Therefore, the question I'm pondering now is no longer: How high can XRP go?
The real question is: if it truly enters the institutional era, how many people can hold onto it for 3, 5, or even 10 years?
Wealth is rarely created on the day of purchase.
It's created after most people lose patience.