XRP Wealth Gap Exposed: Here’s What It Takes to Join the Top 10% and 1% in 2025

The latest XRP rich list update paints a stark picture of crypto inequality—revealing the jaw-dropping sums needed to rub virtual elbows with the token's elite.

The new aristocracy

Forget Lambos—these thresholds buy entry into an exclusive club where whales move markets with a single transaction. The numbers? Let's just say most hodlers won't be seeing their names on this leaderboard.

Climbing the pyramid

While retail investors chase 10% gains, the real action happens at these stratospheric tiers. Pro tip: If you're still counting coins instead of commas, you're not playing the same game.

As always in crypto, the house wins—and in XRP's case, the house is sitting on enough digital treasure to make a central banker blush.

XRP Rich ListXRP Rich List Interestingly, one of the most drastic changes occurred with the top 1% tier. At the time of the previous XRP rich list report, investors looking to enter this tier required 50,637 XRP valued at around $115,000 then. Now, while investors WOULD need to hold 50,108, they would have to spend $150,000, an increase of more than $35,000. Market Still Early? Analysts argue that this consistent change indicates that investors who continue to put off investing in XRP would only be able to afford less for more as the market matures. Market pundit Edoardo Farina called attention to this trend in June, when he suggested that XRP was pricing out retail investors. Moreover, several community commentators have insisted that investors who enter the market today are still incredibly early. This is because they expect XRP to surge beyond current levels. For context, if XRP hits the $30 price projected by EGRAG, the 2,433 tokens needed to enter the top 10% would be worth nearly $73,000.