- Validator claims XRP is deeply undervalued and warns that rising prices could soon “price out” everyday investors.
- Large holders already control a significant supply, with over 500,000 accounts holding 10,000+ XRP.
- Fixed monthly buyers lose purchasing power as price rises, meaning early holders gain an increasing advantage.
A prominent XRP Ledger validator has sparked debate across the crypto community after arguing that owning meaningful amounts of XRP could soon become increasingly difficult for everyday investors.
In a widely shared post, XRPL validator 24HRSCRYPTO said XRP is currently trading far below its perceived intrinsic value and warned that future price increases could “price out” most retail participants.
“A $100 Asset Trading Below Face Value”
In the post, the validator described the current market as a rare opportunity, claiming XRP is effectively a “$100 asset trading below face value” while still available under the $2 mark. He suggested that many investors underestimate how quickly accumulation becomes harder as prices rise.
According to the validator, “owning XRP will be very rare,” not because of limited supply, but due to the mathematical realities of rising prices and stagnant individual purchasing power.
Large Holders Already Dominate Supply
The analyst highlighted on-chain data showing that more than 500,000 XRP Ledger accounts already hold at least 10,000 XRP each. He emphasized that these are accounts, not unique individuals, meaning concentration among large holders could be even higher.
Also Read: XRP Price Targets Revealed: Will $1.78 Support Hold or $2 Resistance Break?
Everyone has the opportunity to buy XRP under $2 right now…
A $100 asset trading below face value.
What a time to be alive 🫡
Owning XRP will be very rare..People don’t understand what “priced out” actually means.
For ex. 10,000 XRP today is $19,300.
Over 500,000 ledger…
— 𝟸𝟺𝙷𝚁𝚂𝙲𝚁𝚈𝙿𝚃𝙾 (@24hrscrypto1) January 20, 2026
At current prices, 10,000 XRP is valued at roughly $19,300. As the token appreciates, reaching similar positions would require far greater capital, limiting the ability of new participants to build sizeable holdings.
Rising Prices Shrink Accumulation Power
To illustrate the point, the validator outlined how a fixed monthly investment buys fewer tokens as prices increase. Using a $500 monthly budget, he showed how purchasing power declines rapidly as XRP rises.
At $1.55 per token, $500 buys about 322 XRP. When the price increases to $1.93, the same amount buys 259 XRP. Moreover, at $3.30, it falls to 152 XRP, and then at $7.00, just 71 XRP is purchasable. Meanwhile, at $10.00, it falls to only 50 XRP, and at $13.00, a $500 investment only buys 38 XRP. If the price surges to $15.00, then just 33 XRP will be obtainable.
The validator argued that while asset prices can rise exponentially, average incomes do not scale in the same way, making large positions increasingly unattainable for most investors.
“Priced Out” Could Define the Next Phase
According to 24HRSCRYPTO, this dynamic explains why meaningful accumulation becomes “mathematically impossible” over time for average participants. As prices climb, accumulation slows, and early holders consolidate a growing share of the circulating supply.
The commentary arrives as XRP continues to trade below $2, with market participants divided on its long-term valuation. While supporters see current levels as a historic opportunity, critics note that pricing assumptions remain speculative and dependent on broader adoption and regulatory clarity.
Still, the validator’s remarks have reignited discussion around scarcity, accumulation, and whether XRP could eventually become an asset accessible mainly to institutions and early adopters rather than retail investors.
Also Read: Something Big Is Happening With XRP Supply: Details
