XRP Rich List: Are You in The Top 10%?

Ever wondered how much XRP it takes to be among the top holders? Analyst Edo Farina breaks down the latest XRP Rich List, as he reveals exactly how many tokens one needs to rank in the top 10%, top 1%, and beyond. 

How Much XRP Puts You in the Top 1%?

The analyst shared insights on how the XRP wallet distribution is changing. An investor now needs fewer XRP to climb the ladder. As of now, the top 10% of XRP holders own at least 2,480 XRP. The top 5% need about 8,762 XRP and to be among the top 1%, you need to own over 50,000 XRP. 

He points out that many individuals use multiple wallets. As of now, about 328,000 wallets hold at least 8,000 XRP. But the number of actual people holding that much is probably much lower. Edo revealed that he himself holds over 20–25 XRP wallets for testing, staking, and security purposes. That is why the analyst calls it a very conservative estimate.

Only 657 Wallets Hold Over 5 Million XRP

Currently, only 657 wallets hold over 5 million XRP, putting them in the top 0.01%. These are mostly institutions, exchanges, and Ripple-related wallets.

According to Farina, if you are among the top 10% of XRP holders, with 2,480 XRP, then patience is key. He explains that if XRP reaches $10 and you decide to sell your entire holdings, you might make around $24,000. Although that is a decent return, it’s not life-changing, he says.  

Why 10,000 XRP Should Be Your Goal

The real opportunity lies in holding long-term and using XRP to generate passive income, like lending to banks or financial institutions. He asks users to aim for at least 10,000 XRP. In his view, the real value lies in thinking beyond short-term gains and focusing on sustainable growth.

Earlier, the analyst had shared that $20 could just be the starting point for XRP, and it would go much higher. He compares it to Bitcoin’s early days, saying selling too early, like selling BTC at $500, would be a big mistake. Farina even suggests XRP could hit $10,000 someday, due to its growing utility in the global payments market.