TLDR
- Rising global living costs are making it harder for people to afford and hold XRP, forcing many to sell their assets for essential expenses.
- Economic pressures, stagnant wages, and inflation have left individuals with little disposable income to invest in digital assets like XRP.
- Acquiring meaningful amounts of XRP, such as 10,000 tokens, has become unrealistic for average buyers as prices surge past $2 per token.
- The weakening purchasing power of fiat currencies means that the same amount of money now buys far fewer XRP than it did just a few years ago.
- Community leaders warn that small purchases of XRP no longer provide significant long-term growth potential, leaving late entrants at a disadvantage.
Rising prices and economic pressure are making XRP ownership increasingly difficult for many. Community members are expressing concern as the asset becomes less accessible. The situation continues to evolve as long-time supporters warn that the window to secure meaningful holdings is closing fast.
XRP Affordability Declines Amid Rising Global Living Costs
XRP community figure Edoardo Farina highlighted how growing economic challenges are forcing many to sell their holdings. He observed that people in over 20 countries are now prioritizing essential expenses over assets like XRP. As financial strain increases, even core holders are struggling to maintain their positions.
🚨 Retail is being PRICED OUT of $XRP.
The high cost of living is making it impossible for the average investor to hold on to their digital assets, just as the institutions are moving in. pic.twitter.com/065AGPxhHK
— EDO FARINA 🅧 XRP (@edward_farina) June 10, 2025
Prices for basic needs have surged, while wages have remained largely stagnant in many regions. Farina noted that in countries like the U.S., most people lack even $10,000 in savings. This limits their ability to accumulate or hold large amounts of XRP without financial risk.
Previously, holding 10,000 XRP was achievable for the average buyer. Now, with XRP price above $2, the cost exceeds $20,000, making it unrealistic for many. Even acquiring 1,000 XRP appears increasingly difficult, especially for those with limited disposable income.
Cash Crunch Forces Asset Liquidation
Market participants continue to question whether XRP is rising in value or if fiat currencies are weakening. As inflation persists, everyday purchases demand more cash, leaving little room for digital assets. This shift forces retail holders to liquidate, not for luxury, but to survive.
Nick from Web3Alert explained that buying power has decreased significantly in just a few years. In 2020, $100 secured over 400 XRP, while today, it yields just 43. This reflects a broader trend where early opportunities are shrinking quickly for those entering late.
The market remains active, but meaningful accumulation is harder to achieve now. While fractional purchases are still possible, they offer limited long-term growth potential. As XRP’s price continues to rise, only early accumulators benefit significantly from the trend.
XRP Market Momentum Highlights Accessibility Concerns
Australian lawyer Bill Morgan argued that anyone can still buy small amounts of XRP at any price. However, that view received criticism from other community leaders who stressed the difference between buying and owning enough to matter. They believe small purchases no longer build transformative holdings.
Why will people be priced out of buying XRP. You can buy $100 worth of XRP today and you’ll be able to buy $100 worth of XRP in five years. Trading will not suddenly cease. https://t.co/mZAvDUOLzv
— bill morgan (@Belisarius2020) June 10, 2025
Alex Cobb, a known figure in the XRP community, recalled when XRP was affordable to the masses. He emphasized that price appreciation now makes meaningful accumulation much harder. He warned that the market may fully price out retail participants within a year.
As XRP’s momentum builds, its accessibility continues to shrink. Community voices now urge strategic changes for those wanting to stay in the game. With the market evolving quickly, the gap between early and late participants may soon become permanent.
