In a recent tweet, Atomic Wallet, a well-known self-custodial crypto wallet provider, weighed in on the potential returns of investing in XRP. 

The tweet argued that while XRP’s price could rise from $2 to $10, investing $1,000 wouldn’t make anyone a fortune.

$1K in XRP Won’t Make You Rich

Atomic highlighted that if an investor put $1,000 into XRP at $2 per token, they’d acquire 500 tokens. Should the price soar to $10 per token, those 500 tokens would be worth $5,000.

Effectively, this acquisition would yield a profit of $4,000—not the kind of “get-rich-quick” scenario many might expect.

The tweet highlights that substantial returns in the market often require significant initial investments. For context, those who would make $1 million from XRP at a $10 price would need to hold 100,000 XRP. This portfolio would cost around $200,000 to acquire today—a pricey sum for many.

Meanwhile, an alternative path could be holding XRP over the longer term, anticipating more exponential price movement, as historical data suggests.

Atomic Wallet’s critique of small investments being incapable of making holders “rich” generated heated arguments among XRP loyalists. Some viewed it as a deliberate attack on XRP investments, redirecting their criticism toward Atomic Wallet and pointing out potential flaws in its security services.

On the other hand, some urged Atomic Wallet to consider the potential of small investments in XRP from a long-term perspective, such as acquiring tokens at $0.50 per token and holding for five years.

What would have happened if you put it in when it was at .50 for 5 yrs??. What's yhe numbers looking like from there?. #crypto #XRP

— F.A.I.T.H Innovations (@FAITHInnovatio1) April 8, 2025

$1K Investment from a Long-Term Perspective

Notably, XRP last traded at $0.50 five months ago, in November 2024. At the time, $1,000 could buy 2,000 XRP tokens.

The five-year performance of XRP is uncertain. However, influential voices in the crypto scene have made various predictions, from bearish to bullish. The most recent commentary came from asset manager Bitwise.

Specifically, it argued for a super bull case of XRP reaching $30 in five years. In this scenario, 2,000 XRP tokens would be worth $60,000, which may still not be life-changing for many.

Meanwhile, CryptoCharged’s Chief Operating Officer, Matthew Brienen, speculated that XRP could reach $100 to $1,000 in ten years. In this hypothetical scenario, 2,000 tokens could be worth anywhere from $200,000 to $2 million.

However, Bitwise also argued for a bear case where XRP could fall to $0.13 in five years. In this bleak scenario, 2,000 XRP would be worth just $260.

Notably, the days of accumulating XRP cheaply at $0.50 are now behind. Investors now have prices around $2 to enter, which effectively limits acquisition potential and may lengthen the wait time for life-changing returns.