XRP Rich List: How Much XRP You Need to Join the Top 10%

XRP continues to stand at the center of investor discussions as analysts weigh in on what it takes to land a spot on the exclusive XRP rich list. With ongoing market fluctuations and lukewarm momentum, XRP is currently trading around $2.21. Despite this stagnation, some experts argue this is a prime time for accumulation.

Edoardo Farina, a prominent figure in the XRP community and Head of Social Adoption at XRPHealthcare, believes this subdued price period represents a chance for committed investors. He urges traders to look beyond the short-term trends and consider the long-term rewards potentially awaiting those who maintain patience and strategic entry.

Farina recently offered a detailed examination of the unofficial XRP Rich List, which ranks XRP wallet holders based on their token balances. According to his insights, the total number of XRP wallets now sits at roughly 6.4 million. However, he quickly pointed out that this number is misleading in terms of reflecting unique holders, as individual users often manage multiple wallets for activities like trading, cold storage, and allocation diversification.

He estimates that between 60% and 70% of these wallets are either inactive, custodial, or contain insignificant amounts of XRP. These figures come from assessments of on-chain data and earlier reports, including those from platforms such as The Crypto Basic. The remaining 30% to 40% are likely to be active, self-custodial wallets.

Additional analysis from AI-based tools like ChatGPT suggests the real number of distinct XRP holders may lie between 1.5 million and 2 million—with Farina leaning toward the lower end, positing a ballpark figure closer to one million. In a global context, that’s less than 0.025% of the world’s population, highlighting just how niche this investment space currently is.

“This market is still incredibly early for most participants,” Farina noted, pointing people to more context via this resource, underscoring the rarity of current XRP ownership.

In terms of wealth thresholds, Farina cited data showing that to be among the top 10% of XRP wallets, one would need to hold at least 2,500 XRP. With prices hovering around $2.21, this equates to a financial commitment just under $5,000.

This surprisingly low barrier to entry presents a significant opportunity for newcomers or smaller investors to gain a competitive edge—if they act early enough. Farina emphasized, “You need about 2,500 XRP, and you’d be in the top 10%, which is crazy when you think about how accessible that is for some people.”

He cautioned against the widespread perception that XRP’s rise would automatically mint hundreds of thousands of millionaires. In his opinion, the idea that governments or elites would be concerned about a small fraction of the population attaining substantial XRP wealth is misguided.

“Do you honestly believe that those who run the financial and political systems care if a few holdouts end up earning $250,000? Absolutely not,” Farina commented, challenging assumptions that ripple through the crypto community.

According to him, most retail investors are unlikely to hold XRP long enough to benefit from its potential full valuation curve. He anticipates that the majority will cash out at earlier milestones such as $10, $30, or $100.

Farina predicts only a hardy 10% of current holders will remain invested by the time XRP could reach aspirational targets like $1,000—figures touted in many bold predictions, though still seen as improbable by skeptics.

Related: Expert Advice: Sell XRP If You’re Confused

He concluded his commentary with a call to action. While the gateway to XRP’s elite wallet tier remains open for now, he warned that only a small slice of committed investors will endure the journey. In his words, “99% will not make it.” For those aiming to capture the full scope of XRP’s future, he advised maintaining long-term conviction and strategic patience.