[DigitalToday reporter Jinju Hong] XRP community figure Oscar Ramos shared his view on what constitutes a “sufficient” amount of XRP for retail investors. He stressed there is no universal standard and that target holdings can vary widely depending on an investor’s finances and entry timing.

On Jan. 13 (local time), blockchain outlet The Crypto Basic reported that Ramos recently wrote on X, formerly Twitter, that how much XRP is enough depends entirely on a person’s situation. He acknowledged that early holders who built positions when XRP traded below $1 could secure relatively large amounts.

Ramos cited his own case, saying he accumulated about 100,000 XRP when the price was about $0.50. At current XRP price levels, he said far more capital would be needed to reach the same target, and it is not realistic for new investors to apply past benchmarks 그대로.

Ramos said entry costs are steadily rising as asset prices climb, and that targets that looked realistic just a year ago have become difficult to achieve. He said 100,000 XRP appears meaningful because it was accumulated at very low prices, and warned that setting the same goal today could distort an investment strategy.

Ramos cautioned against an atmosphere in the community in which holdings are seen as a form of status or a tool for competition. He stressed that investors should make decisions based on their own financial capacity and risk tolerance rather than using others’ portfolios as a benchmark.

The view aligns with past remarks by XRP community figure Xena, who argued that not all investors entered the market at the same time and there is no need to compare oneself to early holders’ amounts. Ramos added: “What matters is not the amount held but strategy and research.”

The XRP community has presented various benchmarks over time. Analyst Edo Farina has said that holding only 1,000 to 2,600 XRP in late 2024 and early 2025 could place an investor in the upper tier of the XRP rich list. He made the claim to show that small investors could also rank relatively high.

In May 2025, Vale suggested 50,000 XRP as a level serious investors could consider. Around the same time, DustyBC said that holding XRP itself could be a meaningful long-term strategy.

Ramos’ remarks and these opinions require caution because they reflect views by community figures that assume the possibility of future XRP price gains. There is no guarantee XRP will reach a particular price level, and there is also criticism that investors should not make decisions based only on optimistic projections.

Industry sources advise that XRP investing, like other cryptocurrencies, involves high volatility and uncertainty, so investors should prioritise their personal financial situation and risk management strategies.