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

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

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.

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.