XRP Rich List Updated: Amounts Held By Accounts With 1 Million XRP

A bold claim is circulating about how concentrated XRP ownership really is, and the numbers are striking. Abs Nassif, host of the Good Evening Crypto podcast, shared data on XRP wallet distribution that raises an important question for retail investors: how little does it actually take to rank among the top holders of the world’s sixth-largest cryptocurrency?

The answer is 2,200 XRP. At the current price of $1.16, that works out to roughly $2,552. That is the threshold to place an investor in the top 10% of XRP holders globally.

NEW: 🇺🇸 Accounts holding 1 million $XRP account for about 93% of the total supply!

Holding +2,200 XRP puts you in the top 10%!

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How Concentrated is XRP Among Whales?

Nassif’s post states that accounts holding 1 million XRP or more account for “about 93% of the total supply.” That figure requires clarification, as the data he shared tells a different story. Wallets holding over 1 million XRP account for closer to 74% of the total supply, which is itself a significant concentration.

The 93%-94% figure appears in a video Nassif published, in which he references a broader metric. He describes it as the share of XRP’s circulating supply held across fewer than 2,000 wallets in total, across all balance ranges. That is a different measure from the 74% figure, and the two numbers describe different things.

What the Distribution Data Shows

The wallet distribution data Nassif shared is from the XRP rich list. It breaks down XRP holdings across balance ranges. Only 5 accounts hold 1 billion XRP or more. Just 85 wallets hold between 100 million and 1 billion XRP. Combined, the top tiers of holders control an outsized portion of the total supply.

Nassif notes in his video that “millionaire wallets are hitting brand new all-time highs with over 1.5 billion units of XRP being absorbed by token holders in just the last couple of months.” For those eyeing the top 1%, the entry point rises sharply. Joining their ranks requires 46,000 XRP, which equates to approximately $53,360 at today’s price.

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Exchange Reserves and Accumulation Trends

Nassif’s video also highlights the movement of XRP off exchanges. He reports that over 720 million XRP were left on digital asset exchanges in just two weeks. Exchange reserves are at multi-year lows, showing deliberate accumulation by major players.

He also covers Ripple’s regulatory positioning. Ripple received conditional approval from the OCC in December 2025 to establish Ripple’s National Trust Bank. The OCC then expanded the powers of national trust banks in April 2026 to include digital asset activities. Nassif suggests this could reduce XRP’s effective circulating supply if Ripple opts to lock up remaining escrow holdings as part of its banking operations.