U.S. Bank Could Turn $10,000 to $73,000 in 40 Years, But XRP in 9 Months

Market data shows that $XRP recently achieved in nine months the same returns that a U.S. online bank would require 40 years to generate.

Despite witnessing multiple periods of bearish price action and price uncertainties, $XRP has always proven its penchant for outsized growth during market rallies. Data confirms that due to one such rally, $XRP took nine months to deliver gains that would take traditional banks centuries to yield.

For context, a recent assessment confirmed that $XRP’s surge from $0.5 in November 2024 to $3.66 by July 2026 transformed $10,000 into $73,000. For online U.S. banks to yield similar returns from a $10,000 investment at the 5% APY rate, it would take them over 40 years.

Key Points

• $XRP has always demonstrated its penchant for rapid returns during occasional periods of market rallies.
• The November 2024 to July 2025 surge, which pushed prices from $0.5 to $3.66, would have turned $10,000 to $73,000 within nine months.
• For online banks in the U.S., which boast the highest interest rates of around 5%, to yield such returns, it would take 40 years.
• $XRP still features inherent investment risks, which could see investors’ holdings drop to lower values, an advantage traditional banks hold.

How Much Yield Do U.S. Savings Accounts Offer?

For context, savings account returns in the U.S. remain very low at the time of reporting, limiting how much traditional banks can grow everyday deposits.

Specifically, the FDIC’s January 2026 update puts the national average savings rate at 0.39% APY, a figure weighed down by large banks that still pay close to nothing. Bankrate’s survey from Jan. 26, 2026, shows a slightly higher average of 0.61% APY, still below 1%.

Meanwhile, online banks perform better, with high-yield savings accounts offering between 4.20% and 5.00% APY at last check. Nonetheless, some of these rates have started to ease following the interest-rate cuts in 2025.

Duration to Yield $73,000 with $10,000

These rates confirm how slow traditional banks can be when it comes to building wealth. Notably, at the 0.39% rate, turning $10,000 into $73,000 takes about 510.7 years. Meanwhile, with the 0.61% rate, it drops to 326.9 years, which still goes beyond any realistic investment timeline.

Considering the 5.00% APY from online banks, the $73,000 return would take around 40.7 years with annual compounding, or about 39.8 years with monthly interest. This confirms that savings accounts focus on safety, not wealth creation. Essentially, they protect cash but demand extreme patience for any substantial growth.

$XRP Did It in Nine Months

Meanwhile, $XRP transformed $10,000 into $73,000 within just nine months. Specifically, $XRP traded for $0.5 in November 2024 after a long period of consolidation. From here, it rallied to an initial high of $3.4 and then pulled back to a low of $1.61 in April 2025 before recovering to a new high of $3.66 by July.

Notably, an investor who committed $10,000 into $XRP at the $0.5 price would have procured 20,000 $XRP tokens. At the July 2025 peak of $3.66, these 20,000 tokens had a worth of $73,200. Essentially, $XRP transformed $10,000 into $73,200 within nine months.

However, this is not a prediction that crypto always outperforms cash vehicles, but it does show how deeply traditional savings yields lag behind fast-moving price action. Despite this, traditional savings offer the advantage of protecting one’s cash if inflation doesn’t spike considerably. In contrast, assets like $XRP could collapse to new lows.