Which Crypto Could Make You a Millionaire by 2028: XRP or Ethereum?

One of these two cryptos already crossed the million-dollar threshold for a specific holding size this year, and the other would need a price that exceeds every company on Earth combined. Figuring out which is which changes everything about a…

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XRP (CRYPTO:XRP) trades at $1.38 as of September 10, 2026, and Ethereum (CRYPTO:ETH) trades at $2,469 the same day. At those prices, one million dollars of XRP is 724,638 coins and one million dollars of Ethereum is 405 coins.

The XRP price is up 36% and Ethereum 31.16% over the 30 days to September 10. Both are still down for 2026, XRP by 24.43% and Ethereum by 16.86%. So which coin could make you a millionaire by 2028?

A Million Dollars Is 724,638 XRP or 405 Ethereum

An ordinary buyer would need to own 724,638 XRP or 405 Ethereum outright to be worth a million dollars today. A patient buyer could plausibly accumulate 724,638 XRP over years of steady buying. Nobody accumulates 405 Ethereum the same way, because that stake already costs about a million dollars up front.

Roughly 725,000 XRP would take commitment through several down years to build, but the count is realistically within reach. It’s the number a long-term buyer can grow toward with weekly or monthly buys, one payday at a time.