XRP Rich List Revealed: How Much You Need to Be in the Top 1%, 5%, or 10%
Think you need millions to be a top XRP holder? Think again. According to new data from analyst Good Morning Crypto, you only need 2,397 XRP (~$7,191) to crack the top 10% of holders. To reach the top 1%? Just 50,026 XRP ($150,000).
The XRP Rich List: Who’s on Top?
A viral post by @AbsGMCrypto—a popular on-chain analyst with 67K+ followers—has shed new light on XRP’s wealth distribution.
Here’s how much you need to rank among the elite:
| Rank | XRP Required | USD Value (at $3.00) |
|---|---|---|
| Top 10% | 2,397 XRP | ~$7,191 |
| Top 5% | 8,370 XRP | ~$25,110 |
| Top 1% | 50,026 XRP | ~$150,078 |
| Top 0.1% | 350,492 XRP | ~$1,051,476 |
These figures have sparked widespread discussion—especially the top 10% threshold, which many expected to be much higher.
Why the XRP Rich List Might Surprise You
For a cryptocurrency with one of the largest retail communities in crypto, the low entry point for the top 10% is revealing.
🔍 Key Takeaways:
- XRP is widely distributed – Unlike BTC or ETH, which are heavily concentrated, XRP’s supply is spread across millions of wallets
- Retail-friendly thresholds – $7,200 to enter the top 10% is within reach for many investors, especially compared to Bitcoin or Ethereum
- Whales still dominate the top tier – The top 0.1% holds 350K+ XRP, likely representing institutional players, exchanges, and Ripple itself
This shows that while XRP is accessible, wealth concentration still exists at the very top.
The Multi-Wallet Reality: Is the Rich List Accurate?
One major caveat: wallet ≠ person.
Many large holders—especially institutions and whales—split their XRP across multiple wallets to improve security and reduce visibility.
This means:
- The true number of top 1% holders is likely much smaller than the data suggests
- A single entity could control dozens of wallets in the top 5%
- On-chain rankings can understate true centralization
Still, the data reflects real wallet distribution—even if ownership is consolidated behind the scenes.
What This Tells Us About XRP’s Ecosystem
| Insight | Implication |
|---|---|
| Low top 10% bar | High retail adoption and broad distribution |
| Top 1% = $150K | Still a high barrier, but not unattainable |
| Top 0.1% = $1M+ | True whales are few, but powerful |
| Retail-driven community | Strong grassroots support, meme power, and social momentum |
Compared to other top coins:
- BTC top 1% requires over $1M+
- ETH top 1% is ~$300K+
- XRP’s $150K threshold is relatively low, reflecting its mass-market appeal
Final Takeaway: XRP’s Wealth Ladder Is Climbable
While the richest 0.1% hold over a million dollars in XRP, the path to the top 10% is surprisingly accessible.
- $7,200 gets you ahead of 90% of wallets
- $150,000 puts you in the top 1%
- And if you’re holding 350K+ XRP, you’re in the elite tier
As one trader noted:
“XRP isn’t about being a whale. It’s about being part of a movement.”
And with ETF speculation rising and Ripple’s global network expanding, even mid-tier holders could see life-changing gains.
So—where do you stand on the XRP Rich List?
