Only 322,000 Accounts Hold More Than 10,000 XRP, Rich List Shows

Only about 322,000 XRP accounts hold at least 10,000 XRP, according to the latest XRP rich-list data.

The figures suggest that wallets with five-figure XRP balances remain a relatively small group, despite the network having more than 8 million accounts.

The data comes as XRP trades around $1, leaving the 10,000-XRP threshold worth roughly $10,000 at current prices.

The figures also provide fresh context to a recent post from crypto commentator John Squire, who argued that only around 300,000 people worldwide hold more than 3,000 XRP and asked followers whether they were among them.

322,083 Accounts Hold 10,000 XRP or More

According to XRP rich-list data, 322,083 accounts, representing roughly 4% of all XRP accounts, hold balances of 10,024 XRP or more.

With XRP currently trading near $1, an account needs approximately $10,025 in XRP to enter the top 4% of the network’s account distribution.

The threshold becomes considerably higher further up the distribution:

• 80,521 accounts hold at least 44,760 XRP, placing them in the top 1%.
• 40,261 accounts hold at least 80,046 XRP, representing the top 0.5%.
• 16,105 accounts hold at least 158,775 XRP, placing them in the top 0.2%.
• 8,053 accounts hold at least 275,026 XRP, representing the top 0.1%.
• Just 806 accounts hold at least 3.77 million XRP, putting them in the top 0.01%.

The distribution becomes even more concentrated at the very top. The data shows six accounts holding more than 1 billion XRP, while another 18 accounts hold between 500 million and 1 billion XRP.

More Than 8 Million XRP Accounts Exist

Notably, the XRP Ledger currently has 8,052,069 accounts. However, that does not mean 8 million individual people own XRP.

One person can control multiple XRP wallets, while exchanges, institutions, and other entities can also operate numerous addresses. Some accounts may also contain only tiny balances.

The data shows that 4,068,189 accounts hold between zero and 20 XRP, while another 2,557,611 accounts hold between 20 and 500 XRP. That means millions of XRP accounts contain relatively small balances.

Top 4% Accounts Control Most Circulating XRP

Perhaps the most striking part of the distribution is how heavily XRP balances are concentrated among larger accounts.

Adding the balances across the account ranges from 10,000 XRP upward gives approximately 64.67 billion XRP. Compared with the 67.84 billion XRP in circulation, those accounts collectively represent roughly 95% of circulating XRP.

However, the rich list tracks wallets, not individual people. Large exchanges, institutions, and custodians may also control many of these wallets.

XRP’s “Still Early” Argument

The latest figures add fuel to the narrative that relatively few XRP accounts have accumulated five-figure balances.

Squire’s post sought to show that XRP holders may still be early in the adoption curve. One commenter, LukeRichar, went even further, suggesting that future growth could create thousands of new millionaires and even a smaller number of billionaires.

However, this is still speculation.

XRP is currently around $1 and has fallen about 3.16% in the past 24 hours, 7% over the past week, and 45.42% this year. 

Holding 10,000 XRP does not guarantee a profit. Its future value will depend on how high or low XRP’s price goes. Nonetheless, the rich-list data confirms that holding 10,000 XRP is uncommon, as only about 4% of XRP accounts have that much.