XRP News Today: XRP Top 10% Ownership Requires Just 2,486 Coins

Crypto analyst Edo Farina recently revealed that holding 2,486 XRP is sufficient to place an investor among the top 10% of all XRP holders. This revelation provides a unique perspective on XRP’s distribution and underscores the relatively low barrier to elite ownership compared to traditional asset classes.

XRP, with a fixed total supply of 100 billion coins, currently has a circulating supply of approximately 56 to 64 billion. While millions of wallet addresses hold XRP, the number of actual individual holders is far lower. Many investors operate multiple wallets—for exchanges, staking, or cold storage—resulting in a skewed impression of overall distribution.

Data shows that holding 2,486 XRP—about $6,800 worth at current prices—is enough to qualify for the top 10% of all holders. To be in the top 5%, one needs just 8,762 XRP, while the top 1% starts at around 50,000 XRP. Only a few hundred wallets, roughly 657, hold over 5 million XRP, underscoring the high concentration at the very top.

These figures reveal that XRP’s wealth distribution remains top-heavy, yet still offers strategic entry points for smaller retail investors to gain substantial exposure. While being in the top 10% doesn’t make one a whale, it does represent a meaningful share of the network. Edo Farina notes that accumulating 10,000 XRP or more puts investors in an even more exclusive category, offering long-term benefits as the asset’s ecosystem matures. These include potential staking rewards, institutional lending yields, and significant appreciation should XRP achieve wider adoption as a global settlement token.

Given XRP’s low transaction fees, fast settlement times, and expanding utility, many analysts believe its real value lies in enterprise-level infrastructure and cross-border liquidity, not speculative trading alone. That view is further reinforced by Ripple’s growing network of financial partners and recent strides toward becoming a licensed U.S. banking entity.

XRP’s rich list also serves as a mirror of broader crypto trends. Compared to Bitcoin and Ethereum, XRP has a more consolidated distribution, largely due to significant holdings by Ripple, founders, and centralized exchanges. Yet for retail investors, the opportunity to enter the upper echelons of XRP ownership remains accessible, for now.

As XRP adoption expands, particularly through Ripple’s institutional partnerships, the thresholds for top-tier ownership are likely to rise. That means today’s modest holder could, in time, find themselves climbing the ranks without adding a single token, just by holding steady.

Edo Farina’s update is more than just a statistic. It’s a reminder that in this evolving financial era, even relatively small investments in high-utility assets like XRP can offer outsized positioning within the ecosystem. For those watching from the sidelines, this could be the ideal moment to act. For those already in, it’s a reaffirmation of where they stand in a rapidly growing digital economy.