Various people might be thinking of strategies that could make them millionaires using various crypto. TheCryptoBasic made a post that shows how XRP enthusiasts could develop a millionaire-making strategy with $200 monthly.
According to TheCryptoBasic, the idea is simple: by investing a fixed amount in XRP every month and holding for the long term, the rewards could be life-changing if XRP one day reaches Bitcoin-like adoption. The post explains this possibility with real numbers and market comparisons that shed light on how powerful disciplined investing can be.
What you'll learn 👉
How a $200 Monthly Strategy in XRP Could Work
TheCryptoBasic explained that if XRP were to achieve the same market cap as Bitcoin today, around $2.33 trillion, the XRP price could rise to about $39 per coin. With a circulating supply of 59.3 billion XRP tokens, the value would be massive.
The comparison reminds readers that Bitcoin itself has already seen unimaginable growth since 2010, climbing more than 241,444,480% from its early days to trade around $117,451 today.
In the scenario presented, someone who consistently invests $200 monthly into XRP for 15 years would have put in $36,000. The total number of tokens they would hold depends on the average buy price.
If the average buying price was $0.45, the investor would end up with roughly 80,000 XRP. But if the average was much higher, say $3.50, the total would shrink to around 10,286 tokens. This shows that early accumulation matters a lot in the long-term plan.
Under the Bitcoin-like adoption scenario—where XRP reaches a $2.33 trillion market cap and a unit price of $39—cheap accumulation at $0.45 could turn the $36,000 investment into approximately $1.88 million, easily surpassing the millionaire threshold.
— TheCryptoBasic (@thecryptobasic) August 16, 2025
However, this opportunity… pic.twitter.com/Wa8m7wek2B
Why the Average Buy Price for XRP Matters
TheCryptoBasic chart also explained how the final portfolio value changes based on different average buy prices. If an investor managed to accumulate XRP at $0.45 on average, their $36,000 over 15 years could grow into about $1.88 million if the Ripple price reached $39.
But if the average buy price was $0.96, the value would fall under the millionaire mark. At $1.50 per XRP, the same disciplined investor might see around $600,000. If the average came in at $2.50, the outcome would be closer to $400,000. Even with an average entry of $3.50, the total would still be a respectable $241,000.
This highlights why those who bought XRP before its November 2024 breakout, when the Ripple price was still under $0.50, may be in the best position. Since then, XRP has mostly traded between $2 and $3, making cheap accumulation less available. Still, the long-term potential remains large if adoption and utility continue to grow.
Could Ripple Price Exceed the $39 Projection?
TheCryptoBasic noted that this model is based on a 15-year outlook, imagining XRP reaching Bitcoin’s current market standing by 2040. However, not all analysts think it will take that long. Some influencers, such as Dustin Layton, believe Ripple price could surpass $39 much sooner, perhaps even within this year. Asset manager Bitwise has suggested a $30 XRP price target by 2030.
Read Also: Crypto Experts Agree: XRP Price Rally Is Not Over Yet
Other predictions are even bolder. Telegaon expects XRP at $160 by 2040, while Changelly envisions a staggering $2,053 in 15 years.
If Changelly’s forecast came true, even someone holding 500 XRP tokens, worth about $1,650 today, would become a millionaire. These views remain speculative, but they point to the optimism many in the crypto community hold for XRP tokens.
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