With all the excitement about XRP’s future price, some analysts are raising a serious question: Could XRP actually become too expensive for its own good?
That’s the concern raised by a crypto analyst known as “Stellar Expert.” In his view, if XRP ever reaches $10,000 per coin, it could ruin the very purpose of the XRP Ledger – making it a network that regular people can no longer afford to use.
He points out that the XRP Ledger (XRPL) was created to provide fast, affordable access to moving money and managing assets. But at a $10K valuation, just opening a wallet or holding stablecoins could cost thousands of dollars. That’s because the XRPL requires users to lock up small amounts of XRP – a rule originally meant to prevent spam and abuse.
Until December 2024, users had to hold 10 XRP just to open a wallet. A recent update brought that down to 1 XRP. At today’s price of $2.20, opening an account costs around two bucks. But if XRP jumps to $10,000, that same wallet activation would cost exactly that: $10,000. A single trustline – used to hold tokens like stablecoins – would cost $2,000.
If 1 XRP = $10,000…
— Stellar Expert (@StellarExpert) June 29, 2025
Wouldn’t that defeat the very purpose of the XRP Ledger?
It was built for liquidity, speed, and low-cost access.
Not to become a gated elite chain where it costs $100K just to open a wallet.
Just a thought. #XRP
This, Stellar Expert says, would turn the XRPL from an accessible system into one only the wealthy can afford – a complete reversal of its original vision.
But not everyone agrees.
XRP supporter “Maven” believes this concern is overblown. He argues that people forget the XRP Ledger works in drops – tiny fractions of XRP – and not in dollar values. So while the price of one XRP might rise, transaction fees will still be cheap because they’re based on drops.
More importantly, governance can always adjust the reserve requirements. So if XRP were to hit $10,000, the community could vote to lower the 1 XRP requirement even further.
Maven’s bottom line? Whether XRP is worth $0.50 or $10,000, the ledger can still deliver fast, cheap, and reliable value transfer – and that’s what matters most.
So, who’s right? For now, it’s a healthy debate. But it does raise a real question: In the race for price, can XRP still protect its core mission of accessibility?
Time – and maybe a few more governance votes – will tell.
Read also: Ripple Price Breakout Fails to Impress: Is This Time to Sell XRP Again?
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