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Holding over 50,637 XRP places an investor in the top 1% of all XRP wallets.
XRP ownership remains highly concentrated among a few large holders.
Fewer than 1 million active XRP wallets exist, showing early-stage adoption in the crypto market.
XRP remains one of the most discussed cryptocurrencies in the market, especially after Ripple's legal victories and growing adoption in international payments. With its rising value and expanding use cases, many crypto investors are now wondering: how much XRP is needed to be part of the top 1% of holders in 2025?
The latest on-chain data shows that owning at least 50,637 XRP places a wallet in the top 1% of all XRP holders globally. This number is based on the current wallet distribution and reflects how XRP is held among millions of accounts.
There are about 6.6 million XRP wallets in total. However, not all of them are active. Many wallets are empty, duplicates, or contain very small amounts. Analysts estimate that fewer than 1 million wallets belong to actual individual holders.
Based on wallet data, the ownership distribution is as follows:
The top 10% of holders have at least 2,486 XRP
The top 5% of holders own at least 8,758 XRP
The top 1% of holders have more than 50,637 XRP
These numbers are calculated from the current state of the XRP blockchain and give a good view of where most XRP tokens are concentrated.
With XRP trading at approximately $2.25 as of July 2025, the following are the estimated dollar values needed to be in different ownership brackets:
2,486 XRP (top 10%) equals about $5,600
8,758 XRP (top 5%) is around $19,700
50,637 XRP (top 1%) comes to roughly $114,000
Becoming a top XRP holder today requires a serious commitment to both tokens and monetary value, especially if the price continues to rise.
Also Read - XRP Could Hit $100 as Old Pattern Shows Up Again
A few wallets own most of the XRP supply. These encompass addresses associated with Ripple Labs, top exchanges, and a few of the founders and initial investors. The top 10 wallets combined own approximately 18-19% of all XRP.
The top 50 wallets hold 50%+ of the supply. This means that XRP ownership is highly centralized, with a handful of big holders driving market momentum. Around 663 wallets contain over 5 million XRP each. These elite holders are primarily institutional players or early backers of Ripple.
Just holding XRP isn't sufficient to remain in the top 1%. The number of XRP necessary to maintain a place in the top tier may scale with the token price and more buyers.
Holders must think long term. Here are three habits of successful XRP investors.
Most long-term holders utilize cold wallets (hardware wallets or offline wallets) to safeguard their assets against hacks and theft. Rather than dumping a pump, dedicated holders typically hold out for long-term gains, believing in the underlying project. These habits help investors at the top of the field and preserve the value of their property.
Why Are XRP Holdings So Low?
XRP might be the most valuable cryptocurrency market cap, but it still has a small base. Less than 1 million people globally hold XRP actively. That is under 0.01% of the world’s total population.
Ripple's lengthy legal fight against the US Securities and Exchange Commission (SEC) cast uncertainty among certain investors.
Other newer cryptocurrencies and meme coins have drawn more of the spotlight in recent years.
A lot of investors don’t know about XRP’s real-world applications for cross-border payments.
With the regulatory landscape clearing up and Ripple growing worldwide, XRP could eventually see more users, and the top 1% bracket could become more difficult to enter in the future.
The XRP ecosystem is expanding. Ripple remains engaged with central banks, payment providers, and international partners in developing real-world applications for XRP. The token is being employed in:
Cross-border remittance services
Digital asset liquidity
Enterprise blockchain
With more institutions and users jumping on XRP, demand might rise. If XRP’s price rises, it costs more to buy enough tokens to be in the top 1%.
For instance, if XRP hits $5, those same 50,637 XRP would be worth over $250,000, more than twice today’s value. This potential incentivizes adoption and holding by existing investors.
These values are based on the current XRP price of around $2.25.
Holding more than 50,637 XRP places a wallet in the top 1% of global XRP holders. Fewer than 1 million real users currently own XRP, making the token still early in its adoption curve. XRP’s ownership is highly concentrated, with a small number of wallets controlling over half the total supply.
Becoming a top holder requires investors to buy a large amount of XRP and perform long-term planning, and secure storage. The threshold to be in the top 1% is likely to rise further in the coming years.
For those watching the XRP ecosystem closely, understanding ownership distribution offers a better view of where the market stands and where it might go next. Being in the top 1% isn’t just about status. It reflects belief in the future of the project and the discipline to stay on the course.
Also Read - XRP Price Prediction in July 2025
