For years, XRP has been seen as one of crypto’s strongest contenders, often linked to the promise of high adoption through Ripple’s payments network. Many investors still hope that XRP could replicate the wealth-building story of Bitcoin’s early days . But the reality in today’s market is very different. Despite the token’s resilience and long-term prospects, hard numbers show why it has become increasingly difficult to get rich off XRP — even in the most bullish scenarios. The Numbers Behind XRP’s Limits Crypto analyst and influencer Mason Versluis recently explained on X why expectations for XRP should be grounded in market cap math rather than hype. While acknowledging that XRP still offers growth potential, Versluis noted that new investors hoping for overnight wealth may be overlooking the structural challenges that limit XRP’s upside compared to Bitcoin. Why it’s very hard to get RICH off $XRP nowadays 1,000 XRP purchased at current price ($3) EVEN IF XRP GOES TO BITCOIN’S CURRENT MARKET CAP ($2.4T)… And supply stays the same You’d only have $13,390 Still a 13X but far from rich Good thing most of us thought in earlier… — MASON VERSLUIS (@MasonVersluis) October 3, 2025 XRP Market Cap vs. Bitcoin: The Ceiling Effect The defining constraint lies in XRP’s circulating supply, which currently sits at around 59.87 billion tokens. Market cap determines token price , using the formula: price = market cap ÷ circulating supply. If XRP were to reach Bitcoin’s current market cap of about $2.4 trillion, its per-token price would only rise to roughly $40.09. That means an investor buying 1,000 XRP at $3 today would see their holdings grow to around $40,000. While that’s a strong 13× gain, it’s far from the life-changing returns seen by Bitcoin’s early adopters. The math shows why XRP investors face more realistic returns compared to the wealth narratives circulating on social media. Why XRP Can’t Mirror Bitcoin’s Price Growth The difference boils down to supply and structure. Bitcoin’s capped supply of 21 million coins creates scarcity that amplifies price movements. XRP, on the other hand, launched with a maximum supply of 100 billion, with nearly 60 billion already in circulation. Ripple’s escrow releases and institutional holdings further complicate liquidity. This high supply base means XRP cannot replicate Bitcoin’s price trajectory, even if it reaches similar levels of adoption or market cap. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 Can Catalysts Push XRP Higher? Despite these structural limits, XRP is not without upside. Ripple’s continued expansion into cross-border payments, institutional partnerships, potential ETF considerations , and clarity in the Ripple vs. SEC legal battle all stand as catalysts for price appreciation. Such developments could accelerate capital inflows, drive adoption, and possibly push XRP above the levels projected by Bitcoin market cap comparisons. However, these would still not guarantee millionaire-making gains for small allocations purchased today. The Bottom Line for XRP Investors Mason Versluis’s insight serves as a reminder that while XRP may still deliver double- or even triple-digit percentage gains, the chances of turning a few hundred or even a few thousand dollars into generational wealth are slim at today’s entry prices. For early investors, the potential remains significant. For latecomers, expectations should be grounded in realistic market math, not hype. XRP remains a powerful player in the crypto space — but arithmetic, supply, and market cap realities mean that getting rich off XRP today is harder than ever. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on Twitter , Facebook , Telegram , and Google News The post Expert: Why It’s Very Hard to Get Rich Off XRP Nowadays appeared first on Times Tabloid .
