XRP Rich List: How Much XRP Puts You in the Top 10%

XRP is one of the most talked-about cryptocurrencies, but few people understand how small its true holder base is. Even though there are 6.4 million XRP wallets, that does not mean there are 6.4 million people holding XRP. Many users, especially experienced ones, hold multiple wallets for different purposes like trading, storage, and security.

How Many People Really Hold XRP?

In fact, a large number of these wallets are inactive, unfunded, or belong to exchanges like Binance and Uphold. Others may contain only a small amount of XRP, often referred to as “dust” wallets. Based on blockchain data and AI analysis, it is estimated that only about 30 to 40 percent of these wallets are actually used by individual holders.

As explained by Edo Farina, this means that the real number of people who hold XRP is much smaller—somewhere between 1.5 and 2 million worldwide. That’s less than 0.03 percent of the global population. To put it simply, fewer than one in every 4,000 people on the planet currently holds XRP.

What Puts You in the Top 10% of Holders?

So, how much XRP do you need to be considered a top holder? According to the latest data, owning just 2,500 XRP places you in the top 10 percent of all XRP wallets. At current market prices, that’s about $5,000. While it’s no longer as easy as it once was, it’s still an amount within reach for many investors.

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There’s a common belief that if XRP ever reaches high values—say $1,000—the elites or governments won’t allow regular people to profit. But when you look at the numbers, the situation is quite different. 

Even if 2.5 million wallets each held 250 XRP and XRP hit $1,000, each person would make $250,000. That’s a great return, but not enough to disrupt global financial systems or draw serious attention from regulators. And realistically, most people are unlikely to hold XRP until it reaches those high prices. Many will cash out early—at $10, $50, or $100.