How Many XRP You Need to Be a Millionaire

If you’re wondering how many XRP (XRP-USD) you need to hit millionaire status, you’re not alone. It’s the one question still hanging in the air like a missed moonshot. While some in the XRP crowd toss around magic numbers like 10,000 or 100,000 tokens, the truth—at least according to market voices—is more nuanced.

Investor Ideas Clash on XRP Accumulation

Over the past few months, crypto influencers and XRP holders have debated just how much of the token you should stack before the next bull run. One of the loudest voices has been Edoardo Farina, who believes anything under 10,000 XRP is a missed opportunity. “If you don’t hold at least 10,000 XRP, you’re making a life mistake,” he said, doubling down in several posts over the past year.

But others, like the analyst behind “XRP Investing,” are waving the caution flag. This account argued the real answer is simple: only buy what you’re truly comfortable holding. That’s not a fixed amount—it could be 2,000, 20,000 or even just 500, depending on your means and risk tolerance.

Breaking Down the Math

Let’s get practical. At XRP’s current price of $2.18, you’d need roughly 458,715 XRP to be a millionaire if you’re going strictly off market value. If XRP hits $10, you only need 100,000. At $50? Just 20,000. And if you’re banking on a $100 XRP moonshot? Only 10,000 tokens would do the job.

But those are big “ifs.” XRP hasn’t hit $10 before, and legal and market uncertainty still swirl around Ripple’s ecosystem.

Play It Smart or Go All In?

There’s no one-size-fits-all answer. Sure, some investors are going all in and stacking 100,000+ XRP. Others are nibbling in, dollar-cost averaging while they sleep easy. That’s exactly what “XRP Investing” recommends: buy what lets you sleep at night, not what fuels anxiety every time the chart dips.

So if you’re asking how many XRP will make you a millionaire, the real question might be—how much can you afford to lose while aiming for the moon?

At the time of writing, XRP is sitting at $2.13.