There has been ongoing debate about the timing of investing in XRP: some investors believe that entering the market now is still premature, pointing out that only 6.8% of the global population owns cryptocurrencies, which indicates a huge potential for cryptocurrency adoption. Others believe that it is already too late to enter, noting that XRP has been around for over ten years but has yet to sustain a breakout above $4, suggesting that its enormous growth potential may have already been priced in by the market. Ultimately, the investment decision depends on the investor's risk tolerance and long-term holding capacity, as short-term price fluctuations remain difficult to predict.