XRP Wealth Gap: The Eye-Watering Bag Required to Crack the Top 1% (Spoiler: Your Portfolio Isn’t Close)

Want a seat at XRP’s elite table? Start by stacking millions—or accept your place among the ’normie’ 99%. Crypto’s wealth distribution mirrors Wall Street’s brutal hierarchy—just with more laser-eyed memes.

Analysts confirm the entry barrier: holding enough XRP to make traditional bankers smirk. The kicker? Most retail investors won’t touch these levels unless the asset moons… and then some.

Pro tip: If your XRP stash fits in a hot wallet, you’re not rich—you’re statistically irrelevant. The real whales? They’re busy laughing behind cold storage vaults.

XRP Rich ListXRP Rich List Notably, this threshold is rather low for such an exclusive group, presenting an opportunity for those who look to leverage it early enough. "You need about 2,500 XRP and you would be among the top 10% XRP holders, the top 10% wallets. And that’s insane," Farina said. "99% Will Not Make It" He also discussed a misconception that XRP’s rise will result in widespread wealth, as he believes only a small group of holders would continue to hold XRP when it reaches its full potential. As a result, he dismissed the idea that governments or elites would be concerned about a small group of investors becoming wealthy.  "Do you really think the government or the elites or the ones in control running the system really care that a tiny amount of holders are going to make $250,000? Hell no," Farina stated. Speaking further, he argued that very few people will have the patience or conviction to hold XRP through its entire growth curve. Most will likely sell during incremental price milestones such as $10, $30, or $100.  Farina suggested that only around 10% of current holders might remain invested by the time XRP reaches a potential $1,000 valuation. While some have touted this goal, others still believe it is largely impossible amid the current market conditions. Farina noted that those who seek to enter the XRP rich list can do so with minimal amounts now. While the opportunity still exists, he warned that 99% of people won’t reach the finish line. He argued that investors must have a long-term vision if they hope to truly benefit from XRP’s potential future.