Every crypto community has its own version of a rich list that separates everyday holders from the whales. For XRP, it’s not just about status; it’s a glimpse into how wealth and confidence are distributed across the network.
A commentator from Cheeky Crypto YouTube channel took a closer look at this list and revealed something interesting: XRP price dip didn’t just shake the market, it actually made it easier to climb into XRP’s top ranks. In other words, what looked like a setback might be one of the best accumulation windows in months.
Let’s break down how much XRP it really takes to join the top 10%, 5%, or 1% and why these numbers say more about market sentiment than you might think.
What you'll learn 👉
The Dip That Made Joining XRP’s Elite More Affordable
The commentator from Cheeky Crypto YouTube channel explained that while the market viewed the XRP drop as bad news, it quietly created a window for accumulation. The lower Ripple price means investors can buy their way into higher ranks of the XRP holder leaderboard for less money than before.
At the current XRP price near $3, getting into the top 10% of holders takes roughly 2,362 XRP, which equals about $6,700. That figure used to be closer to $7,300 just two months earlier. In other words, it now costs around $600 less to reach the same rank.
That may not sound life-changing, but for long-term holders, it’s a meaningful discount. It’s like finding the membership to an exclusive crypto club on sale and few people even noticed it was happening.
What It Takes to Join the Top 1% of XRP Holders
The rich list doesn’t stop at the 10% line. The analyst from Cheeky Crypto YouTube channel broke down what it would take to join the highest ranks the top 5% and 1%. To reach the top 5%, a holder needs around 8,200 XRP, which adds up to about $23,000. Steep, but still within reach for some serious investors.
Then comes the true elite tier. The top 1% of XRP holders hold roughly 50,000 XRP, equal to about $142,000 at the current price. That’s the point where the conversation shifts from hobby investing to serious commitment. At that level, you’re sitting among the wealthiest addresses on the XRP Ledger.
The commentator pointed out that being in that club isn’t about bragging rights alone. It’s about positioning the possibility that if Ripple price ever surges again, top holders could see massive value shifts in their portfolios. The potential upside is clear, but so is the risk.
Why The XRP Rich List Matters Beyond Numbers
The XRP rich list functions like a leaderboard showing how concentrated ownership is within the ecosystem. It also reveals shifts in confidence. When the price dropped, the number of addresses in the top 10% actually increased, suggesting that more people used the dip to climb the ranks.
The commentator noted that this behavior often separates short-term speculators from long-term believers. The rich list, in his words, is less about ego and more about conviction, how much faith someone has in XRP’s long-term story and Ripple’s vision for cross-border payments.
What This Means for XRP’s Future
Ripple continues to strengthen its ecosystem despite the ups and downs of the market. Institutions still explore its payment solutions, and developers keep building on its ledger. The community around XRP stays active and deeply committed, and that’s part of what keeps the narrative alive.
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The analyst says this dedication is why dips often turn into buying opportunities. When XRP falls, strong holders use the chance to buy more. No one knows if that move will pay off, but history shows confidence grows in quiet times not during the hype.
Joining the top 1% of XRP holders takes a lot of money and belief. It’s not about status; it’s about understanding the risk. Every investor’s path is different, and each step comes with its own lessons.
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