Fresh data from the XRP rich list shows a quiet but important shift happening beneath the surface. As XRP trades near $2, the definition of a “top holder” is changing — and not in favor of late entrants.

The New Reality of XRP Distribution

There are roughly 7.4 million XRP wallets today.

The majority of them are small.

Nearly 6 million wallets hold 500 XRP or less

Over 3.4 million wallets hold fewer than 20 XRP

Large balances are becoming increasingly concentrated

This matters because distribution tightens as price rises.

The Practical Threshold: Top 10%

To be among the top 10% of XRP holders today, a wallet needs approximately 1,500 XRP.

At current prices, that’s an investment of about $3,000.

For Investors:

Mid-2024 required ~3,300 XRP, but cost under $1,600

Early 2025 required ~2,600 XRP, costing ~$2,500

Today: fewer tokens, higher capital

The XRP is simple:

Token requirements are falling, but the financial barrier keeps rising.

This is how early positioning quietly disappears.

What About the Top 1%?

The top 1% of XRP holders remains extremely small — roughly 74,000 wallets.

These addresses typically hold 40,000+ XRP, representing six-figure exposure at today’s prices. This group controls a disproportionate share of supply and is not growing quickly.

Why XRP Still Looks Undervalued to Long-Term Holders

The argument isn’t about moon targets. It’s about structure.

Recent developments supporting the XRP ecosystem include:

Ripple receiving conditional approval from the U.S. OCC to establish a national trust bank

Expansion of RLUSD and institutional-grade infrastructure

Strong inflows into newly launched XRP ETF products, approaching $1 billion in assets

Increasing regulatory clarity compared to previous cycles

These are slow, foundational shifts — not speculative pumps.

A More Realistic Accumulation View

Instead of extreme price predictions, many experienced investors focus on position size.

Holding 1,000–1,500 XRP:

Places an investor ahead of the majority of wallets

Requires a manageable capital commitment

Maintains asymmetric upside if institutional demand accelerates

This isn’t about guarantees.

It’s about relative positioning in a finite supply system.

My Thought

Most people won’t miss XRP because it failed.

They’ll miss it because they waited for certainty.

Question: ❓

What do you consider a realistic XRP holding for the next cycle — and why?