As the price of XRP continues to climb, a growing number of holders now find themselves priced out of the top wealth brackets.
According to Edo Farina, CEO of Alpha Lions Academy, staying in the top 10% of XRP holders is becoming increasingly difficult. Farina predicts that by the time XRP reaches $100, only a few thousand holders will remain in the top 10% of wallets.
How Many XRP to Be Among the Top 10% Rich List
In his analysis, Farina highlights a significant trend, noting that the amount of XRP necessary to be in the top 10% of holders has decreased as the token’s price has risen.
For example, in June 2024, it took about 3,300 XRP to enter the top 10%. At that time, XRP traded at a low price of $0.47, and acquiring 3,300 tokens cost $1,551.
However, as of January 2025, that number has dropped to just 2,599 XRP. Farina attributes this decline to XRP’s increasing value, meaning fewer tokens are needed to qualify for top wealth positions.
In particular, even with the decreased quantity, it now costs $6,263 to join the top 10% of XRP holders. This higher capital requirement comes as XRP is now worth above $2.40 per token.
For context, over 5.85 million wallets hold XRP. Of this figure, only 585,248 addresses are in the top 10%, with balances above 2,599 XRP tokens. Meanwhile, in the top 1%, just 58,000 wallets have balances above 56,304 XRP, which costs $135,000.
XRP rich list
Essentially, Farina highlights that as XRP’s price continues to increase, the number of people able to maintain a top-tier position will dwindle. Essentially, he is encouraging market participants to buy XRP now at lower prices to avoid being priced out as the price continues to climb.
Few XRP Holders Practicing Self-Custody
The expert also notes that fewer people are holding their XRP in self-custody. While there are over 500 million crypto users worldwide, only a small fraction—about 20 million—practice self-custody of their assets.
Accordingly, Farina estimates that only around half a million XRP holders truly control their tokens in self-custody. He emphasizes the risk of holding XRP on exchanges, suggesting it could cost investors the opportunity to benefit from XRP at a time when its value has skyrocketed.
In conclusion, Farina stressed the importance of self-custody. As more people are priced out of the top wealth brackets, those who understand the value of securely holding their assets will have the best chance of remaining among the top holders for the long haul.
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