XRP Elite Club: The Shocking Amount You Need to Join the Top 10% Holders in 2025

Want to rub shoulders with XRP's wealthiest? The bar just got higher—here's your ticket to the top tier.

Breaking into crypto's 1% isn't what it used to be. While Wall Street hedgies fight over Bitcoin ETFs, XRP whales are quietly stacking more bags. The entry price for the top decile? Let's just say it's not pocket change anymore.

The new wealth threshold

Forget moonboy dreams—this is cold, hard portfolio math. The latest ledger data shows XRP's elite club demands serious capital. No magic internet money fairy tales here.

Why this matters now

With Ripple's legal battles fading, big money's positioning for the next bull run. The smart money's not waiting—they're accumulating while retail investors chase meme coin pumps.

Bottom line: In crypto, the rich get richer—while the rest of us get LinkedIn posts about 'financial sovereignty'. Better start stacking those XRP if you want a seat at the big kids' table.

XRP Rich List Data While XRP is one of the most recognized cryptocurrencies, Farina suggested that actual global adoption remains extremely low. Global XRP Adoption Remains Limited Notably, the XRP Ledger has over 6.6 million active wallets. Farina argues that many of these are inactive or small “dust” wallets. Additionally, frequent users often operate multiple wallet addresses. Taking that into account, the estimated number of individual XRP holders globally may be fewer than one million, Farina claims. Compared to a world population of eight billion, this means only about 0.01% of people currently hold any amount of XRP. This low adoption rate supports the view that the average retail investor is still early in the broader XRP ecosystem. Self-Custody and Long-Term Strategy Beyond just ownership, Farina emphasized the importance of how XRP holders should store and manage their assets. Many wallets do adopt self-custody with large volumes on exchanges rather than in cold storage. Farina also suggested that the number of holders with full control over their private keys is even smaller than the total number of XRP wallets implies. As XRP experiences price volatility, Farina argues that most investors are likely to sell at key psychological price levels, such as $10 or $100. Only those with firm conviction, patience, and secure cold storage are likely to hold through to higher valuations, such as $1,000. Climbing the XRP Rich List Is Becoming More Expensive Ultimately, the XRP Rich List data also illustrates how quickly the market is expanding. Just one year ago, it required between $1,000 and $1,500 to be in the top 10% of XRP holders.  Today, that number has increased dramatically as price appreciation and rising adoption have intensified competition. With XRP becoming more valuable, the amount of capital required to enter the top ranks continues to rise. This trend suggests a narrowing window of opportunity for retail investors aiming to accumulate enough XRP to break into higher tiers of the Rich List. As a result, Farina has boldly claimed that 99% of investors will eventually be priced out.