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.
