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News
Sep 7, 2026
3min read
bySohrab Khawas
forCoinpedia
XRP’s holder base has grown to over 8 million wallets, pushing the top 10% threshold down to about 2,120 XRP (≈$2,968 at ~$1.40 per XRP) while the top 1% requires roughly 44,500 XRP. The shift reflects broader crypto adoption and more fragmented token holdings, which lowers per-wallet ranking thresholds even as nominal dollar costs rise; analysts note volatility and a hypothetical Bitcoin-like market cap scenario where 1 XRP ≈ $25.55 would make 2,120 XRP ≈ $54,000. This development signals increased adoption and holder distribution changes for XRP but remains price-sensitive and speculative.
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The XRP holder base has grown significantly over the past few years, changing the amount of XRP needed to rank among the largest holders.
According to XRP Scan, holding around 2,120 XRP could place an investor in the top 10% of XRP wallets. With XRP trading near $1.40, that amount would be worth about $3,000. The number rises quickly for higher rankings. Around 7,438 XRP could put a holder in the top 5%, while about 10,000 XRP could place them near the top 4%. For the top 1%, the figure is estimated at roughly 44,500 XRP.
How Much XRP Is Needed to Be in the Top 10%?
The current XRP rich list reportedly looks very different from a few years ago. The top 10% threshold was previously around 3,333 XRP. At that time, XRP was trading between roughly $0.30 and $0.50. That meant buying 3,333 XRP could cost somewhere around $1,500.
Today, the number of XRP needed to reach the reported top 10% level has fallen to around 2,120 XRP. However, the dollar cost is higher because XRP is now trading at a much higher price.
At $1.40 per XRP, 2,120 XRP would cost approximately $2,968.
XRP Rich List Estimates
These figures are estimates and can change as the number of XRP wallets and the distribution of XRP change.
XRP Wallets Continue to Grow
One of the biggest reasons the XRP rich list has changed is the growth in the number of wallets holding XRP. The XRP ecosystem now has more than 8 million wallets, compared with roughly 5 million to 5.5 million several years ago, according to figures cited in the commentary.
However, the number of wallets does not equal the number of people holding XRP. A single person can own multiple wallets, so the actual number of individual XRP holders is likely lower. This also means that a wallet ranking does not necessarily tell us exactly how many people are in each group.
Could 2,120 XRP Become Worth $50,000?
If XRP reachs a market value similar to Bitcoin’s, one XRP could theoretically be worth around $25.55, based on the assumptions used in the calculation. At that price, 2,120 XRP would be worth about $54,000.
However, this is only a hypothetical scenario. XRP reaching Bitcoin’s market value would require a major increase in its overall value, and there is no guarantee that this will happen. The actual value of 2,120 XRP in the future will depend on XRP’s price at that time.
XRP Investors Are Watching for New Highs
XRP has several factors that investors believe could support its future growth, including greater use of blockchain technology in financial services, institutional interest and potential changes in U.S. cryptocurrency regulations. The possible expansion of XRP-related payment and financial applications is also being closely watched by the market.
Still, XRP remains a highly volatile asset. Predictions that the token will reach $5, $10, $20 or higher are speculative and should not be treated as guaranteed outcomes.
For now, the changing XRP rich list shows how the holder base has evolved.
Source: cryptorank.io