How Many XRP Needed to Reach 1% of XRP Rich List and Their Worth If XRP Hits $10

thecryptobasic.com 2 h

Altcoins

As $XRP trades at $1.40 today, many investors are quietly asking how much $XRP is enough to be considered part of the elite group of holders.

Fresh data from the $XRP rich list shows that to enter the top 1% bracket, a wallet must hold at least 46,426 $XRP. Currently, only 76,412 wallets meet or exceed this threshold out of a total 7.64 million $XRP holders.

Key Points

To join $XRP’s top 1%, wallets must hold at least 46,426 $XRP, with 76,412 wallets qualifying today.
Buying 46,426 $XRP now costs ~$64,996
Top 5% and 10% $XRP holders need 7,745 and 2,231 $XRP, costing ~$10.8K and $3.1K today.
Most $XRP holders have small balances; only a fraction control enough to reach elite wealth tiers.

Worth If $XRP Hits $10

At today’s price of $1.40, accumulating 46,426 $XRP would require an investment of approximately $64,996. That is the current entry point for anyone aiming to secure a position among the top 1% wealth bracket on the $XRP Ledger.

If $XRP eventually climbs to $10, that same 46,426 $XRP stack would be worth $464,260. In other words, a portfolio that costs just under $65,000 today could approach half a million dollars at the $10 level.

While this scenario remains hypothetical, it helps illustrate why many community members focus on rich list positioning during price dips.

The Top 5% and Top 10% Thresholds

For investors targeting slightly lower brackets, the entry requirements are far more modest. To rank among the top 5% of $XRP holders, a wallet needs at least 7,745 $XRP. There are currently 382,056 addresses in this category.

At $1.40 per $XRP, this amounts to an investment of about $10,843. If $XRP reaches $10, that holding would be valued at $77,450.

Meanwhile, joining the top 10% requires 2,231 $XRP or more. Around 764,111 wallets fall into this bracket. At today’s price, acquiring 2,231 $XRP would cost roughly $3,123. Should $XRP rise to $10, that portfolio would grow to $22,310.

These figures show that while the top 1% demands a larger capital commitment, entering the top 10% or 5% remains relatively accessible compared to the broader market.

$XRP Rich List

Where Most $XRP Holders Stand Today

The distribution of $XRP holdings reveals a wide gap between smaller holders and the wealthier brackets.

Out of 7.64 million holders, 3,707,244 wallets hold between 0 and 20 $XRP. Another 2,549,199 wallets hold between 20 and 500 $XRP. This means the majority of participants hold relatively small balances.

Moving higher up the ladder, 260,186 wallets hold between 500 and 1,000 $XRP, while 612,985 wallets hold between 1,000 and 5,000 $XRP. These segments sit below the top 10% threshold but are much closer to entering higher wealth brackets compared to smaller holders.

The data highlights a clear reality: only a small fraction of wallets control the amounts needed to rank in the top 1%, 5%, or even 10%. As price rises, the dollar cost of entering these brackets increases, even if the $XRP amount required remains the same.

Psychological Milestone or Strategic Goal?

Reaching the top 1% of $XRP holders is largely a symbolic milestone. It does not guarantee returns, nor does it offer any direct advantage beyond relative positioning.

However, many long-term holders see rich list positioning as a strategic goal. If $XRP appreciates significantly over time, those who secured higher brackets at lower prices could see outsized portfolio growth.