加密货币教育机构 Alpha Lions Academy 创始人 Edoardo Farina 近期表示，XRP 可能在不久的将来变成“只有 1% 人口负担得起的资产”。在他看来，全球经济压力、机构资本集中化以及金融体系重塑，正在共同推动 XRP 走向高度精英化。
Farina 指出，通胀持续高企而工资增长乏力，使大多数普通人可支配收入不断被压缩。自 2019 年以来的一系列全球性事件，加剧了生活成本上涨，越来越多的人被迫出售包括 XRP 在内的加密资产，用于支付房租、食品等基本开支。在这种背景下，投资数字资产逐渐从“选择”变成了“奢侈品”。
他认为，这一过程直接导致散户退出市场，而大型机构则趁机扩大控制权。信用卡负债高企、储蓄能力下降，也进一步削弱了普通投资者参与 XRP 投资的可能性。
链上数据在一定程度上印证了这一判断。当前 XRP 价格约为 2.04 美元，进入前 10% 持有者行列所需的代币数量已下降至约 2,331 枚，但对应的美元成本却升至约 4,662 美元。相比之下，2024 年 10 月进入前 10% 仅需约 1,551 美元。代币数量门槛下降，资金门槛却明显抬高。
更高层级的集中趋势更加明显。前 1% 的 XRP 钱包约 7.4 万个，每个至少持有约 48,716 枚 XRP，价值接近 10 万美元。在全部约 747 万个钱包中，约 600 万个持有不超过 500 枚 XRP，显示绝大多数散户处于极小仓位。
与此同时，机构持仓持续上升。Farina 指出，部分大型金融机构正为 XRP 在未来全球金融体系中的角色提前布局。2025 年 11 月推出的 XRP ETF 已累计持有近 7 亿枚 XRP，资产规模约 13.7 亿美元，进一步强化了集中趋势。
在散户参与度下降、流动性收紧的情况下，Farina 认为 XRP 价格存在被推升至更高水平的可能性。他甚至提出，XRP 长期目标可能指向 100 美元甚至 1000 美元。尽管这一预测仍存在巨大不确定性，但他强调，真正可能获得回报的，或许只剩下少数具备耐心与资金实力的长期持有者。
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