XRP Wealth Check: Do You Rank Among the Top 10% Holders?

XRP''s elite club is smaller than you think—only 10% of wallets hold life-changing amounts. Are you one of them?

Breaking down the crypto aristocracy

The distribution of XRP mirrors the same brutal wealth gap as traditional finance—because why should decentralization change human nature? While retail traders scrap over fractions of a coin, whale wallets sit on stacks that could bankroll small nations.

How the 10% plays a different game

Top-tier holders don''t just HODL—they move markets. A single transaction from these addresses can trigger 10% price swings, leaving day traders scrambling. Meanwhile, exchanges keep selling the ''democratization of finance'' narrative with a straight face.

The cold math of crypto inequality

Forget moon lambos—if your entire XRP stash fits in a single transaction, you''re statistically irrelevant. The real power lies with addresses holding quantities that would make a Central Bank blush. Pro tip: if you have to ask whether you''re in the top 10%, you probably aren''t.

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.  

Why10,000 XRP Should Be Your Goal

The real opportunity lies in holding long term and using your 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.