XRP remains one of the most closely watched cryptocurrencies in the market, with many industry experts believing it has a bright future despite current price fluctuations. As of June 18, 2025, XRP trades around $2.16, marking significant growth over the past year. But what does this mean for investors holding a substantial amount like 5,000 XRP today?

The Cost of 5,000 XRP Today

At today’s price of approximately $2.16 per XRP, owning 5,000 tokens equates to an investment of roughly $11,000. This reflects a remarkable one-year growth rate of 351%, underscoring XRP’s recent upward momentum. However, what stands out is how few investors actually hold this quantity of XRP. Recent on-chain data reveals that only about 541,166 wallets, out of a global total exceeding 6.5 million XRP holders, maintain between 1,000 and 5,000 XRP. The vast majority—over 5 million wallets—hold 500 XRP or less, highlighting that 5,000 XRP is becoming a more exclusive holding size.

Industry experts, including Edoard Farina from Alpha Lions Academy, attribute this rarity to the rising cost of XRP, which has priced out many retail investors. In November 2024, XRP traded at approximately $0.49, meaning an investor could acquire 5,000 tokens for just $2,450. Fast forward seven months, and that same investment would now cost about $11,000—a staggering 340% increase in a relatively short timeframe. This steep climb reflects XRP’s growing adoption and maturing ecosystem, making it a more expensive asset to accumulate for new investors.

Despite this, many market participants view the current price of around $2 as a bargain. For instance, media personality John Squire recently expressed on social media that investors will regret not purchasing XRP at this price within the next five years. This optimism is fueled by XRP’s dramatic rise from below $0.50 in late 2024 to its current levels, alongside expectations of further growth as the XRP network continues to develop.

What 5,000 XRP Could Be Worth in 2035

Predicting exact prices for cryptocurrencies over long horizons is challenging due to the volatile nature of the market. However, optimistic projections from industry analysts offer an intriguing glimpse into what 5,000 XRP might be worth in a decade.

Crypto exchange Changelly and forecasting site Telegaon both suggest that XRP’s price could reach between $54.48 and $89.64 by the start of 2035. Should these forecasts materialize, an $11,000 investment in 5,000 XRP today could appreciate substantially. At the low end, the holding might grow to approximately $272,400, while the high-end projection nears $448,200, representing an extraordinary return on investment of over 4,000%.

Such outcomes, if realized, would dramatically alter the financial standing of XRP holders, rewarding those who remain patient and confident through the cryptocurrency’s natural ups and downs. This scenario assumes continued adoption, regulatory clarity, and technological advancements in the XRP ecosystem, all factors that could propel XRP into the upper echelons of the crypto market.

The Bearish Perspective

While optimistic forecasts dominate the narrative around XRP’s future, bearish scenarios are not entirely absent. Bitwise Asset Management, a respected player in the investment space, projects a much gloomier outlook for XRP by 2030, suggesting the price could plummet to as low as $0.13. For holders of 5,000 XRP, this would translate to a portfolio value of only $650—a steep loss compared to today’s $11,000 valuation.

However, Bitwise’s forecast is nuanced; despite the bearish scenario, it also acknowledges the potential for XRP to reach $30 within the same timeframe. This indicates that the market’s view on XRP remains mixed but open to significant upside.

Final Thoughts

In summary, 5,000 XRP represents a meaningful investment that has already appreciated significantly in recent months. Based on expert price predictions, this holding could multiply many times over by 2035, rewarding long-term investors with impressive returns. However, like all cryptocurrencies, XRP carries risk, and investors should be prepared for potential volatility and setbacks.

Ultimately, whether XRP reaches triple-digit prices or experiences declines, the key takeaway is that holding a substantial amount of XRP today could prove highly valuable over the next decade—provided investors exercise caution and keep abreast of market developments.