Why Owning 100 XRP Could Become Increasingly Difficult in a Shrinking Supply Market

Discover why owning 100 XRP may become increasingly challenging in a tightening supply market, as expert Edo Farina explores scarcity dynamics in cryptocurrency.

The cryptocurrency landscape is constantly evolving, and new theories about scarcity and supply can often shift the narrative. Recently, Edo Farina has made a compelling case that owning just 100 XRP—a popular cryptocurrency linked to the Ripple network—could soon become substantially more difficult. This claim might sound sensational at first, but it’s grounded in some intriguing mathematics around supply and demand. What’s Driving the Scarcity Argument? As of February 25, 2026, XRP is trading at approximately $1.37 , a seemingly modest price amidst a broader market slowdown. However, Farina insists this focus on current pricing misses the bigger picture. According to him, the real issue lies in forecasting who will possess the XRP supply in the future. Could Institutional Holdings Reduce Liquid Supply? At the crux of Farina's argument is the Bank Liquidity Theory . He highlights how much liquidity is currently parked by banks in nostro accounts—pools of money used to facilitate cross-border payments. This substantial amount is estimated to be in the trillions globally. If XRP were adopted as a bridge asset to replace traditional banking structures, he argues that banks would need to hold significant reserves of XRP. Consider this: if about 150 central banks each held 100 million XRP , that would account for 15 billion tokens —a significant portion of the available supply. To build on that, if around 25,000 private banks were to each hold 1 million XRP , it could mean an additional 25 billion tokens locked away. Altogether, this could total around 40 billion XRP , nearly half of its total supply of 100 billion. How Might Consumer Adoption Impact Supply? Farina’s exploration doesn’t end with institutional reserves. He also considers the ripple effect of consumer adoption through Central Bank Digital Currencies (CBDCs) and stablecoins that could potentially operate on the XRP Ledger. If just a fraction of the global population—let’s say 800 million users —held even f