Dollar-Cost Averaging (DCA) with XRP: How Market Pundit Edoardo Farina Built Wealth Over 5 Years

In the world of cryptocurrency, timing the market can be incredibly difficult, often leading to huge losses for many investors.

In the dynamic realm of cryptocurrency, the art of perfect market timing can be an elusive endeavor, often leading to substantial losses for many investors. However, amidst the tides of crypto investing, some savvy investors have uncovered a strategy that consistently builds wealth over time, even during volatile market conditions.

One such investor, market pundit Edoardo Farina, has been a vocal advocate for the Dollar-Cost Averaging (DCA) approach, particularly when it comes to investing in XRP. Farina credits his DCA strategy with helping him secure significant wealth over a five-year period.

“They say time is money, but I prefer to say consistency is wealth. For five years, I’ve been diligently practicing the same investing strategy: buying small amounts of XRP every day,” Farina stated.

Farina’s journey began several years ago when he decided to allocate a small portion of his income to purchasing cryptocurrencies on a daily basis. He experimented with various assets before settling on XRP, the token associated with Ripple Labs.

“I started buying small amounts of Bitcoin, but I found that I was getting quite distracted by the constant price movements. I was trying too hard to time the market and make the best trades. But I realized that this was making me less focused on the long-term goal, which was to steadily grow my investment over time,” Farina explained.

After considering different options, Farina decided to focus on purchasing XRP each day, aiming for a total investment of around 100 euros per week. He emphasized that the specific amount is not crucial, but rather the consistency of investing regularly.

“I’d prefer to buy more each day, but I’m currently limited by the small amounts I can buy on eToro. However, I’m happy with this. I enjoy waking up each day, grabbing a coffee, and making my small purchase of XRP. It’s become part of my routine,” Farina said.

Farina’s experience with DCA began in January 2021, when he decided to convert 0.33 Bitcoin (BTC) into 45,425 XRP. At the time, Bitcoin was priced at €26,115, and XRP was trading at just €0.19.

“I had been observing XRP for a while and noticed that it had been performing well, especially in comparison to BTC. Considering the price of Bitcoin at the time, I thought it made more sense to invest in XRP, as I could get a significantly larger amount for the same value,” Farina stated.

Purchasing 45,425 XRP set him back €8,618 at the time, nearly three times the amount he had in BTC. However, Farina believed that XRP offered better potential for growth, especially considering its role in cross-border payments and the increasing adoption of cryptocurrencies.

Fast forward to 2025, and Farina’s decision has proven to be highly profitable. The 45,425 XRP he acquired for €8,618 in 2021 is now worth approximately €103,114, with the current price of XRP at €2.27. On the other hand, if Farina had kept his 0.33 BTC, it would now be worth €26,778, given the current price of Bitcoin at $81,146.

This calculation shows that over the past five years, while Bitcoin has seen triple-digit gains, which is no small feat, XRP has outperformed BTC by a significant margin.

One of the most striking elements of Farina’s experience is how XRP outperformed Bitcoin during the period following the 2024 market rally. While Bitcoin and other cryptocurrencies also saw significant gains after the victory of Donald Trump in the 2024 election, XRP outpaced Bitcoin by a considerable margin.

Since November 2024, XRP has gained an impressive 284% compared to Bitcoin, which highlights its potential for growth, especially during periods of market volatility. In fact, Farina believes that the next five years for XRP could see even more substantial gains if the DCA strategy is continued.

“I’m planning to continue investing in XRP for at least another five years, and I’m curious to see how much wealth I can build through consistent small investments,” Farina concluded.