From Coinpedia · By Qadir AK
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.
Advertisement 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 priceValue 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%.