The post $XRP Rich List: How much $XRP places you in the top 10%?
$XRP is one of the most talked-about cryptocurrencies, but few people understand how small its actual holder base is. Despite there being 6.4 million XRP wallets, that does not mean there are 6.4 million people owning XRP. Many users, especially experienced ones, have multiple wallets for different purposes such as trading, storage, and security.
In fact, a large number of these wallets are inactive, unfunded, or belong to exchanges like Binance and Uphold. Others may contain only a small amount of XRP, often referred to as 'dust' wallets. Based on blockchain data and AI analysis, it is estimated that only about 30 to 40 percent of these wallets are actually used by individual holders.
As Edo Farina explained, this means that the actual number of people holding XRP is much smaller—somewhere between 1.5 and 2 million worldwide. That is less than 0.03 percent of the global population. To put it simply, fewer than one in every 4,000 people on the planet currently owns XRP.
So, how much XRP do you need to be considered a whale? According to the latest data, owning just 2,500 XRP places you in the top 10 percent of all XRP wallets. At current market prices, that is around $5,000. Although it is no longer as easy as it used to be, it is still an amount within reach for many investors.
There is a common belief that if XRP ever reaches high values—let's say $1,000—the elites or governments will not allow ordinary people to profit. But when you look at the numbers, the situation is quite different.
Even if 2.5 million wallets each had 250 XRP and XRP reached $1,000, each person would earn $250,000. That's a great return, but not enough to disrupt global financial systems or attract serious attention from regulators. And, realistically, it is unlikely that most people will hold XRP until it reaches those high prices. Many will cash out early—at $10, $50, or $100.
