The XRP rich list shows that accounts holding at least 10,000 XRP rank among the top 4% of the XRP Ledger. At the current price of around $1.10, this amount is worth approximately $11,000. Despite the number of accounts holding this amount increasing nearly sixfold since 2018, the threshold for entering the top 4% has remained close to 10,000 XRP throughout 2026.
10,000 XRP Remains the Top 4% Threshold
The number of accounts holding at least 10,000 XRP has increased from 58,899 in May 2018 to approximately 342,000 currently.
Despite this growth, the amount needed to enter the top 4% has remained close to 10,000 XRP throughout 2026.
Historical data shows that the threshold was around 14,000 XRP in March 2020 and reached approximately 15,000 in January 2024 before declining.
The XRP Ledger has around 8.3 million accounts, with a median balance of approximately 20 XRP. This means half of all accounts hold 20 XRP or less.
Exchanges Account for a Large Share of XRP Holdings
XRP Scan identifies several large accounts belonging to exchanges and Ripple. Together, these accounts hold more than 40% of the XRP held by accounts with at least 10,000 XRP.
Coinbase is a notable example. Its labelled accounts collectively hold approximately 5.7 billion XRP, equivalent to around 574,000 holdings of 10,000 XRP each.
However, this does not represent the actual number of Coinbase customers holding that amount. Exchange accounts combine customer assets, and their individual balances are not publicly available.
Ripple also holds approximately 31 billion XRP in escrow, which is excluded from the regular account balances used in this comparison.
XRP Million-Token Accounts Reach a 2026 High
Santiment counted 2,147 wallets holding at least 1 million XRP, marking a 2026 high, according to reports from Bitcoin.com News and Crypto Briefing in early November.
XRP Scan showed 2,177 accounts with at least 1 million XRP on Monday, supporting a similar reading.
However, this remains below the 2,741 accounts recorded in July 2025, when XRP reached its record daily closing price.
How Much Could 10,000 XRP Be Worth?
At $1.10 per XRP, a 10,000-XRP holding is worth approximately $11,000. Every $0.10 change in XRP’s price changes the total value by $1,000.
| XRP price | Value of 10,000 XRP |
|---|---|
| $1 | $10,000 |
| $2 | $20,000 |
| $2.73 | $27,300 |
| $3.55 | $35,500 |
| $4.12 | $41,200 |
| $5 | $50,000 |
| $10 | $100,000 |
At its record daily close of $3.55 on July 22, 2025, the holding was worth approximately $35,500. At $1.10, its value has fallen by nearly 69%.
Previous XRP Market Crashes Took Years to Recover
Historical price movements show that XRP holders have faced lengthy recovery periods. After the January 2018 peak, XRP took approximately seven years to return to its previous price level in January 2025. Following the April 2021 peak, the recovery took around 3.6 years.
Interestingly, the number of accounts holding at least 10,000 XRP increased during both downturns. Between May 2018 and March 2020, the number grew from approximately 59,000 to 99,000, despite XRP’s price falling by around 83%.
The same trend continued during the 2021–2022 downturn, when the number of qualifying accounts more than doubled by January 2024. Since the July 2025 record, the group has grown by approximately 11%, even as XRP’s price declined by nearly two-thirds.
XRP’s Recovery Outlook Remains Uncertain
Historical comparisons offer both positive and negative signals.
When XRP previously traded at similar distances below its record price, it was higher one year later in approximately 64% of cases. The median return was around 21%, although more than one-third of those periods ended with lower prices.
Comparing XRP’s performance with the S&P 500, since November 5, 2024, XRP gained approximately 114%, while an S&P 500 fund gained around 30%, including dividends.
These figures reflect historical performance and do not guarantee future returns.
For now, three indicators remain important to watch: the number of accounts holding at least 1 million XRP, changes in the 10,000 XRP threshold for the top 4%, and XRP’s $1.10 price level.
Ultimately, holding 10,000 XRP places an account near the top 4% of the ledger, but it does not establish the same ranking among individual investors. The actual value of the holding will continue to depend on XRP’s market price.
