The amount of XRP tokens needed to rank in the upper tiers of the XRP rich-list has dropped significantly over the past six years.
A comparison of snapshots from July 2020 and early November 2026 shows lower entry points across major percentiles, even as the number of funded accounts has climbed past 8.3 million.
Top 1% XRP Rich-List Entry Nearly Halves
The most commonly cited threshold tells a clear story. In July 2020, an account needed roughly 80,033 XRP to enter the top 1%. By November 6, 2026, that figure had fallen to about 43,313 XRP.
Similar XRP rich-list declines appear at other levels: the top 0.01% entry dropped from around 24.2 million XRP to roughly 3.6 million, while the top 0.1% moved from about 750,000 XRP to nearly 271,000.
Lower tiers followed a very similar pattern. The top 0.5% requirement fell from approximately 150,000 XRP to 78,000, the top 5% from about 10,400 to 7,200, and the top 10% from roughly 3,000 XRP to just over 2,000.
Recent live trackers place the top 1% cutoff in a similar range, confirming the broader downward shift as the account base expands.
More Accounts, Lower Percentile Cutoffs
The decline coincides with steady growth in funded accounts on the XRP Ledger. The network now exceeds 8.3 million accounts, a substantial increase from earlier years.
Adding large numbers of smaller accounts mathematically lowers the balance required to land in any fixed percentage tier, even if existing large holders do not sell.
Most accounts still hold relatively little; the median balance remains in the low tens of XRP, and a large majority sit well below 1,000 XRP.
This XRP rich-list expansion has increased the absolute number of accounts that qualify for higher percentiles. The top 1% now includes tens of thousands more addresses than it did a few years ago, simply because the total base is larger.
Crypto Wallets Are Not Necessarily People
Raw account rankings do not map cleanly to individual holders. Many people maintain multiple wallets, and a single exchange address can represent thousands of customers. One observer noted holding roughly a dozen XRP wallets personally.
Exchange and institutional addresses dominate the very top of the list, so concentration figures that treat every account as a separate person overstate how widely the supply is held by retail.
Ripple-linked accounts and major exchanges continue to control large portions of the supply, including substantial amounts held in escrow.
These structural features mean the falling percentile thresholds reflect both genuine growth in the number of accounts and the persistent weight of large custodial and institutional balances.
What The Shift Hints At & Why This Matters
The lower entry points make certain ranking milestones more accessible in pure XRP terms than they were in 2020. At the same time, the data does not indicate that large holders have broadly distributed their tokens or that overall concentration at the top has disappeared.
The XRP rich-list comparison offers a clear view of how the XRP Ledger’s account base and balance distribution have changed over six years. It remains a snapshot of addresses, not a direct count of individual investors or a forecast of future price action.
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