$XRP price is trading around $1.39, while wallet distribution data shows a wide gap between the amount of $XRP held by smaller investors and the largest wallets.

According to XRPscan data, an address needs roughly 3.65 million to 3.71 million $XRP to rank among the top 0.01% of $XRP holders. At the current price, that represents approximately $5.3 million.

The threshold for the top 0.1% is about 277,000 $XRP, worth roughly $400,000. The top 0.5% requires around 80,000 $XRP, while approximately 44,000 $XRP is enough to rank in the top 1%.

For lower tiers, the top 5% threshold at about 7,500 $XRP and the top 25% threshold at roughly 100 $XRP.

Ripple and Exchanges Hold Large $XRP Balances

Ripple remains the largest holder in the wallet distribution data. The company controls 26 accounts containing approximately 38.6% of $XRP’s circulating supply, with most of those holdings placed in escrow.

The data also identifies major exchanges and large holders among the largest $XRP wallets. Upbit accounts for about 6.4% of $XRP, while Binance holds approximately 2.6%.

Ripple co-founder Chris Larsen holds around 2.53%. Bithumb accounts for approximately 1.8%, although one of the listed large wallets is unidentified, while Uphold holds roughly 1.63%.

Exchange balances do not necessarily represent the exchanges’ own investments because they can include $XRP held on behalf of customers.

What Would $XRP Holdings Be Worth at Higher Prices?

A move toward $3.50 would significantly increase the value of large $XRP holdings.

An investor holding 2,000 $XRP would have approximately $7,000 worth of $XRP at $3.50. A 7,500-$XRP balance would be worth about $26,250, while 44,000 $XRP would be worth approximately $154,000.

A holder with 277,000 $XRP would have roughly $969,500 at the same price, while 1 million $XRP would be worth approximately $3.5 million.

At a $5 $XRP price, a holder with 1 million $XRP would have $5 million worth of the asset, while 10 million $XRP would be worth $50 million.

These figures represent hypothetical values and do not predict where $XRP will trade.

$XRP Rich List Highlights Concentrated Ownership

The wallet distribution shows that a relatively small number of addresses control substantial amounts of $XRP.

However, the largest wallets include Ripple escrow accounts and exchange wallets, meaning the distribution should not be interpreted as a direct measure of individual investor ownership.

The data also shows that holding approximately 7,500 $XRP would place an address near the top 5% of wallets, while about 44,000 $XRP would put it near the top 1%.

Also Read : Ripple ($XRP) Price Prediction 2026, 2027-2030: Will $XRP Reach $5?

$XRP Price Prediction : Key Levels To Watch

The $2 level would represent the first major target in the base-case scenario. A move toward $2.80 would bring $XRP closer to its previous highs, while a rally to $3.50 would represent a stronger bullish outcome.

The bearish case places $XRP around $1.20 if the market remains under pressure and major catalysts fail to materialize.

The base case is approximately $2, while the mid-range scenario is around $2.80. A bullish scenario places $XRP near $3.50, which would bring the token close to previous all-time-high territory.

Potential catalysts mentioned include passage of the Clarity Act, continued strength across the broader cryptocurrency market and improving liquidity conditions.