XRP Rich List October Reveals the XRP Holdings of Top Wallets

The amount of $XRP needed to rank among the top 10% of $XRP wallets has fallen slightly in October 2026, while the threshold for the largest 0.01% of wallets has increased, according to the latest $XRP rich list update.

The data shows that an $XRP wallet needs about 2,088 $XRP to rank within the top 10%. The threshold rises to 7,311 $XRP for the top 5% and about 43,926 $XRP for the top 1%.

$XRP Rich List Rankings for October 2026

According to the update, only around 822 wallets hold at least 3.83 million $XRP, placing them in the top 0.01% of wallets.

$XRP Top 10% Threshold Falls

The amount needed to enter several major $XRP wallet rankings has declined compared with the previous update. The top 10% threshold fell from around 2,110 $XRP to 2,088 $XRP. The top 5% threshold declined from about 7,400 $XRP to 7,311 $XRP.

The top 1% threshold also decreased from approximately 44,237 $XRP to 43,926 $XRP, while the top 0.5% threshold fell from around 80,000 $XRP to 79,597 $XRP.

The top 0.1% threshold remained relatively stable at roughly 275,000 $XRP.

Top 0.01% $XRP Wallets See Higher Threshold

The biggest change came at the top end of the $XRP rich list.

The amount required to rank among the top 0.01% increased from approximately 3.65 million $XRP to 3.83 million $XRP.

This indicates that the largest $XRP wallet addresses have increased their balances relative to the previous update. However, the wallet data alone does not identify whether these addresses belong to individual investors, exchanges, custodians, institutions or other entities.