XRP Wealth Thresholds Are Shifting: What It Takes to Join the Top Holders in 2025
Fresh data from the XRP rich list shows that changing prices are quietly redefining what it means to be a top XRP holder. While the number of tokens required to rank among leading wallets is falling, the cost to enter that group is steadily rising.
Top 10% XRP Holders: Fewer Tokens, Higher Cost
With XRP trading near $2.04, the top 10% of holders now includes approximately 739,970 wallets. To enter this tier, a wallet must hold at least 2,314 XRP, representing an investment of roughly $4,700 at current prices.
This marks a significant shift from previous years. In June 2024, investors needed about 3,300 XRP to reach the same ranking, when XRP was priced near $0.47, translating to a much lower entry cost of around $1,550. By January 2025, the threshold dropped further to 2,599 XRP, largely due to price appreciation rather than changes in distribution.
Analysts note that while fewer tokens are required today, the financial barrier to entry has increased sharply—indicating that price growth is gradually raising the cost of joining XRP’s upper holder tiers.
Top 1%: A Highly Concentrated Segment
The top 1% of XRP wallets remains a small and exclusive group. Roughly 73,997 addresses fall into this category, each holding at least 48,930 XRP, worth close to $100,000 at current prices.
Out of approximately 7.4 million XRP wallets, nearly six million hold 500 XRP or fewer. Notably, about 3.5 million addresses hold 20 XRP or less, underscoring how concentrated large XRP holdings continue to be.
Market Developments Supporting XRP Interest
Recent developments have renewed attention on XRP’s long-term outlook. Ripple recently received conditional approval from the U.S. Office of the Comptroller of the Currency (OCC) to charter Ripple National Trust Bank, a move viewed as strengthening regulatory positioning and institutional credibility, particularly for Ripple’s dollar-backed stablecoin, RLUSD.
In parallel, XRP exchange-traded funds (ETFs) have recorded strong early demand. Since launch, XRP ETFs have reportedly attracted around $974 million in inflows, with total assets nearing $1.18 billion, signaling growing institutional exposure to the asset.
Analyst Views and Market Debate
Some market commentators argue that rising institutional interest, combined with limited supply held by large wallets, could lead to further price repricing over time. Others caution that long-term price targets remain speculative and dependent on broader market conditions, regulation, and adoption.
Overall, the latest wallet distribution data highlights a clear trend: as XRP’s price increases, access to top holder status is becoming more expensive—reshaping the XRP holder landscape in 2
