Legal Expert Says You Can’t Be Priced Out of XRP. Here’s why

A fresh debate has erupted in the XRP community over the issue of accessibility and affordability for retail investors, with some voices claiming the average person is being priced out of the digital asset. However, prominent legal expert and XRP advocate Bill Morgan has weighed in, firmly rejecting that narrative. According to Morgan, fears about being priced out of XRP are fundamentally misplaced, given how digital asset markets operate and the inherent divisibility of tokens like XRP. Retail Panic Amid Institutional Accumulation The discussion was ignited by a post from well-known XRP community figure Edo Farina, who voiced concerns that everyday investors are slowly losing their grip on XRP. “ Retail is being PRICED OUT of XRP ,” Farina stated, pointing to macroeconomic factors such as rising inflation and the high cost of living, which are straining household finances and limiting disposable income. In his view, this financial pressure makes it increasingly difficult for average investors to hold onto, or continue accumulating, their XRP positions, just as institutional players begin entering the market with deeper pockets and long-term strategies. Why will people be priced out of buying XRP. You can buy $100 worth of XRP today and you’ll be able to buy $100 worth of XRP in five years. Trading will not suddenly cease. https://t.co/mZAvDUOLzv — bill morgan (@Belisarius2020) June 10, 2025 This sentiment resonates with growing fears that the broader cryptocurrency market is heading toward institutional dominance, similar to what occurred with traditional financial markets. As BlackRock, Fidelity, and other Wall Street giants continue to make moves in crypto, some retail investors feel sidelined, fearing they may no longer have access to meaningful positions in high-potential assets like XRP. Bill Morgan: You Can’t Be Priced Out of a Divisible Digital Asset In response to Farina’s post, Bill Morgan offered a clarifying perspective grounded in economic logic and the unique features of cryptocurrencies. “Why will people be priced out of buying XRP?” Morgan asked rhetorically. “You can buy $100 worth of XRP today, and you’ll be able to buy $100 worth of XRP in five years. Trading will not suddenly cease.” Morgan’s point cuts to the heart of how digital assets like XRP work. Unlike traditional stocks that must be purchased in whole units, XRP is highly divisible, down to six decimal places. That means investors can buy fractional amounts of XRP, regardless of its overall price. Even if XRP were to reach $10, $100, or higher, retail investors would still be able to purchase small, affordable portions, just as people routinely buy fractional Bitcoin or Ethereum. We are on twitter, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) July 15, 2023 In other words, XRP does not become inaccessible merely because its nominal price increases. The idea of being “priced out” implies a barrier that simply doesn’t exist in the structure of digital asset markets. Instead, what may be happening is that financial constraints, due to external economic pressures, are reducing the capacity of retail investors to participate at the same levels, not the availability of the asset itself. The Institutional Shift: A Real Trend, but Not the End for Retail While Bill Morgan dispels the myth of being priced out of XRP, the broader trend of institutional involvement in the digital asset space is undeniable. Ripple, the company closely associated with XRP, has increasingly focused on partnerships with banks, governments, and fintech institutions globally. The launch of RLUSD , Ripple’s U.S. dollar-backed stablecoin, and continued progress with central bank digital currency (CBDC) pilots in multiple countries underscore this strategic pivot. This institutional gravitation could, over time, bring greater stability, liquidity, and regulatory clarity to XRP markets, all of which could benefit retail investors. However, it also means competition for access and influence in the ecosystem is heating up, especially as Ripple’s ongoing legal battle with the U.S. Securities and Exchange Commission (SEC) nears resolution. Judge Analisa Torres’ landmark 2023 ruling that XRP is not a security in programmatic sales helped pave the way for U.S.-based institutions to consider XRP again. Although the court has not yet issued a final judgment on penalties related to Ripple’s past institutional sales, a refiled settlement proposal is expected by June 16, 2025, after Judge Torres initially denied the joint agreement on procedural grounds. The outcome of this case will almost certainly shape XRP’s trajectory in the U.S. market. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on Twitter , Facebook , Telegram , and Google News The post Legal Expert Says You Can’t Be Priced Out of XRP. Here’s why appeared first on Times Tabloid .

Source: TimesTabloid