Here’s How Much XRP You Need Today to Join Top 10% Wallets

In a recent post on X, XRP analyst XRP PhantomX highlighted a surprising fact: while the average XRP wallet holds 12,350.86 XRP, owning just 2,505 XRP is enough to rank in the top 10% of all wallets. The takeaway? Most people are still early in the game, and the opportunity to gain a meaningful position in XRP’s ecosystem is still very much alive.

Elite Status Is Closer Than You Think

According to on-chain data from the XRP Rich List, a balance of only 2,486 XRP today places you among the top 10% of holders worldwide. This might seem low, especially when compared to the average wallet size, but those averages are inflated by a small number of large accounts, primarily exchanges and institutional wallets.

By contrast, individual holders who manage their wallets typically have far smaller balances. That means many retail investors may already be closer to the top 10% than they realize, or just a few hundred tokens away from crossing the threshold.

A Skewed Distribution

The XRP ecosystem, like many crypto networks, has a highly concentrated distribution. A small percentage of wallets hold the vast majority of the supply. While the average wallet appears to hold over 12,000 XRP, this number doesn’t reflect the typical user. The vast majority of wallets contain much smaller amounts, with thousands holding fewer than 500 XRP.

@media only screen and (min-width: 0px) and (min-height: 0px) { div[id^="wrapper-sevio-6a57f7be-8f6e-4deb-ae2c-5477f86653a5"]{width:320px;height:100px;} } @media only screen and (min-width: 728px) and (min-height: 0px) { div[id^="wrapper-sevio-6a57f7be-8f6e-4deb-ae2c-5477f86653a5"]{width:728px;height:90px;} }

Data also shows that to enter the top 1%, you’d need around 50,637 XRP, and to crack the top 0.1%, a wallet must hold more than 369,000 XRP. That’s more than $750,000 at current prices, clearly out of reach for most casual investors. But the top 10% cutoff, currently around $5,000 worth of XRP, is still attainable.

Why This Matters Now

XRP PhantomX’s post isn’t just a fun fact; it’s a wake-up call. With XRP adoption growing and more institutional interest expected in the coming months, the window for early accumulation is narrowing. As more wallets are created and more users enter the space, the number of tokens needed to stay in the top 10% will likely increase.

And as XRP’s ecosystem continues to expand, with Ripple’s RLUSD stablecoin, real-world asset tokenization, and the launch of EVM sidechain, demand for XRP could rise significantly. That means today’s small stack may not hold the same ranking power in the future.

A Window Still Open, But Not for Long

At a time when many feel priced out of leading crypto assets, XRP offers a rare opportunity: the chance to claim a top-tier wallet ranking with a modest investment. For those who believe in XRP’s long-term potential, the message is clear: now is the time to act.

As PhantomX puts it, “Most people have no idea how early we still are.” The data supports that claim. For now, the window is still open. But with each passing day, and each new wallet, it closes just a little more.

Disclaimer***:*** This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.