Here’s How Many XRP You Need to Be in the Top 10% of the Updated XRP Rich List

A recent update from Crypto X AiMan has revealed new figures outlining the distribution of XRP holdings across wallets. The data, often referred to as the “XRP Rich List,” provides a view of the token’s ownership concentration amid rising market interest in XRP’s performance.

According to the figures shared, holders possessing 2,322 XRP now qualify for the top 10%, while the top 5% hold around 8,063 XRP. To join the top 1%, a wallet would require 49,998 XRP. These values are based on current blockchain data as of November 2025 and reflect a decline from two years ago, when 3,500 XRP was needed to reach the top 10%.

🚨$XRP RICH LIST UPDATE!!!🤑💎

Top 10% = 2,322 XRP
Top 5% = 8,063 XRP
Top 1% = 49,998 XRP

Are YOU $XRP RICH?🤔💭#XRP #Ripple #RichList #Crypto #XRParmy pic.twitter.com/ojW4C4O9BS

— Crypto X AiMan (@CryptoXAiMan) November 12, 2025

At the current trading price of $2.34 per XRP, reaching the top 10% category would require an investment of approximately $6,000. This figure shows how the number of tokens needed for elite holder status has decreased over time, while the capital value in dollar terms remains relatively stable due to price appreciation.

XRP Distribution and Financial Context

Crypto X AiMan noted that there are roughly 700,000 wallets ranked within the top 10% of XRP holders. This statistic underscores the expanding ownership base while emphasizing the relative scarcity of larger holdings.

The analysis also compared XRP accumulation to broader economic realities, highlighting that over half of American households cannot afford an unexpected $500 expense, which illustrates the contrast between digital asset ownership and traditional financial liquidity.

Meanwhile, at a current valuation near $2.34, XRP’s market capitalization positions it among the leading cryptocurrencies. If XRP were to achieve a valuation comparable to Bitcoin’s estimated $2 trillion market cap, the price per XRP could theoretically reach around $35, representing a 13-fold increase from current levels.

Two years ago, in December 2023, the benchmark for inclusion in the top 10% was 3,500 XRP, marking a decline of over 1,200 XRP since then. This shift signals a gradual redistribution and reduced concentration among top holders. If this trend continues, future thresholds for “XRP Rich” status could fall below 1,000 XRP within several years.

Nonetheless, with XRP’s rising price and promising trajectory, buying even the reducing number to enter the rich list becomes more difficult. Analysts expect XRP to reach prices of $10, $50, and even $100, making the current market level relatively inexpensive to buy the Ripple-affiliated token.