Pundit: If You Hold This Number of XRP, You Will Become a Millionaire In 20 Years

He added, “If you think it’s possible within the next 20 years, getting to 10,000 XRP will be the best decision you ever make, right?”

The question drew the XRP army’s attention, attracting dozens of responses, ranging from enthusiastic agreement to outright skepticism.

How the Community Responded

Despite the mixed sentiment, the $100 XRP milestone continues to attract serious discussion across both analyst circles and retail communities.

The Case for Holding XRP Long Term

Several crypto analysts and commentators have consistently advised XRP holders to resist selling. Edward Farina of Alpha Lions Academy has cited multiple reasons to hold, including the resolution of the SEC vs. Ripple lawsuit, growing institutional interest, and Ripple’s expansion into stablecoin infrastructure with RLUSD. He also pointed to upcoming corporate partnerships and the absence of full price discovery as reasons to remain patient.

Commentator John Squire has also argued that selling before regulatory clarity materializes would mean exiting too early. The SEC case concluded in 2025, and many believe that removed the single biggest barrier to institutional capital entering the XRP market.

The $100 Target

The $100 figure has appeared repeatedly across XRP commentary. One pundit linked it directly to a potential BlackRock spot XRP ETF filing, arguing such an event would trigger an immediate surge. That claim remains speculative, as BlackRock had not filed at the time. Although the timelines vary, many analysts and experts are confident in the $100 target.