The XRP community is actively debating the amount of the token needed to achieve financial freedom, with the figure of 10,000 XRP frequently cited as a popular benchmark. This discussion has been reignited as XRP's price recently retreated below the $2.00 level after briefly reaching new all-time highs for the first time in nearly eight years.
Prominent crypto pundit Austin (@Austin_XRPL) has been a vocal advocate, stating that holding 10,000 XRP essentially makes an investor "pre-rich." He highlights the token's significant growth from under $0.01 to a peak near $3.6 in 2025, attributing gains to regulatory clarity from Ripple's legal win against the SEC and hype around potential XRP ETFs. Austin has even boldly claimed that XRP has the potential to "make more millionaires than Bitcoin ever did."
However, XRPL developer Bird offered a more nuanced perspective, pushing back on the idea of a universal target. Bird emphasized that the right amount depends on an individual's income, expenses, and goals, warning beginners not to blindly copy figures seen online without context. He noted that while 10,000 XRP is easy to visualize and could become a six-figure holding if XRP reaches double digits, it does not automatically guarantee lifetime financial freedom.
The price context adds urgency to the debate. As of late January 2026, XRP is trading around $1.92, having recently been rejected from highs near $2.10. The break below $2.00 coincided with rising geopolitical tensions, including former U.S. President Donald Trump's pledge to impose 10% tariffs on several European countries. Analysts note the formation of a descending triangle pattern, with support near $1.90 and resistance around $2.45, suggesting potential for a move toward $2.40 if conditions stabilize.
Fundamentally, the ecosystem shows strength. Ripple has expanded its reach with over 300 financial institutions connected to RippleNet, and the company recently secured a banking license—a development Austin believes "changes everything." Furthermore, on-chain data indicates continued accumulation by large holders, alongside steady ETF inflows.
