XRP Rich List: Are You in The Top 10%?

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.

Why 10,000 $XRP Should Be Your Goal

The real opportunity lies in holding long-term and using $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.