Updated XRP Rich List Is Here: How Much You Need to Join Top 10% Holders

The wealth distribution within the XRP ledger remains a fascinating mirror of crypto’s structural inequalities. Recently, new data surfaced that alters how we view who qualifies as a “top holder.”

RISKTAKE shared a post on X with a new, detailed table showing XRP wallet balances broken down by percentile. That data provides updated thresholds — from the ultra-elite 0.01% down to the broader top 10% — offering an unusually detailed snapshot of ownership tiers.

According to RISKTAKE’s data, only a small number of wallets sit at the very top. The top 0.01% — just 734 wallets — reportedly hold at least 4,000,286.848379 XRP each. Meanwhile, the bar for inclusion among the top 10% of all wallets is around 2,311.973432 XRP. That means holders with just over two thousand tokens now reach a threshold many assumed required far more.

Comparison with Other Rich-List Trackers

These figures diverge somewhat from those reported by other rich-list trackers. For example, recent analyses show the top 10% threshold was 2,486 XRP, while the top 1% requires around 50,637 XRP.

Such differences highlight persistent variation across data sources. Some platforms rely on partial snapshots of ledger data; others may exclude dormant or exchange-controlled wallets. That may explain the discrepancy between RISKTAKE’s snapshot and other trackers.

What the Shift Suggests About Wallet Distribution

The lowered threshold for top-10% status likely reflects growing wallet proliferation and retail accumulation. As more wallets enter the ecosystem — even with modest XRP amounts — rankings shift downward.

Data from a major analytics platform shows over 7.16 million wallets in total, with a mean balance of 9,100 XRP, and a median balance of just 20 XRP.

Thus, while entry into the top decile has become easier, the concentration at higher ranks remains steep. A small number of wallets — many likely belonging to exchanges or institutions — still hold disproportionately large shares.

What This Means for Everyday XRP Holders

For everyday holders, the new numbers provide context. Owning a few thousand XRP — easily within reach for many early or long-term HODLers — now qualifies one among the top 10% of wallets. That evokes a sense of relative belonging.

Yet for real influence over supply or market moves, far larger holdings remain critical. The whales — those holding tens of thousands to millions of XRP — still command the lion’s share of power.

Final Thoughts

The RISKTAKE update offers a sharp reminder: rankings are not static. They shift with wallet growth, inflows, and concentration dynamics. As more retail wallets accumulate XRP, the entry points into top tiers will continue to evolve.

For analysts and investors alike, watching these thresholds helps illuminate distribution trends and possible supply pressure from major holders.