XRP Rich List Top 10%: What 2,065 XRP Really Means
On October 25, 2026, 2,065 XRP put an account in the top 10%. Why the cutoff keeps falling, what the rich list can't show, and three things to check monthly.
Key takeaways
- On October 25, 2026, 2,065 XRP was enough to put an account in the top 10% of 8,269,831 funded XRP Ledger accounts.
- According to the video, the cutoff is falling because millions of small accounts are joining, not because big holders are draining small ones.
- About 74% of XRP accounts hold under 100 XRP. The 1 to 10 XRP group, nearly a third of all accounts, only became possible after the base reserve dropped from 10 XRP to 1 XRP on December 2, 2024.
- The rich list counts accounts, not people. XRP on Coinbase, in the Bitwise XRP ETF or in Evernorth's treasury sits in a few large accounts.
- The video suggests a monthly check of three things: the total account count, the top 1% line, and whether your own XRP sits in a wallet you control.
On the public XRP rich list read October 25, 2026, an account needed 2,065 XRP to be in the top 10% of 8,269,831 funded accounts. That cutoff has been falling, from 2,143 XRP in August. According to the Bullrunners video, the drop comes from millions of tiny new accounts joining the XRP Ledger, not from coins running out.
This matters because the falling number is often shared as proof that big money is buying up XRP and squeezing out small holders. The video reads the same public data and reaches the opposite conclusion. It also shows that the rich list ranks accounts, not people, which limits what the number can tell you about your own position.
How much XRP puts you in each tier?
The XRP rich list read on October 25, 2026 showed a steep ladder, with small balances making up most accounts. Dollar values below use the $1.29 price cited in the video.
| Tier | XRP needed | Approx. value |
|---|---|---|
| Top 50% | 20 XRP | $26 |
| Top 25% | 101 XRP | $130 |
| Top 10% | 2,065 XRP | $2,660 |
| Top 5% | 7,244 XRP | $9,300 |
| Top 1% | 43,451 XRP | $56,000 |
| Top 0.1% | 271,644 XRP | $350,000 |
| Top 0.01% | 3.83 million XRP | $4.9 million |
The top 0.01% is roughly 820 accounts. Half of all accounts hold 20 XRP or less. The video says an account holding about 7,700 XRP (around $10,000) is already ahead of 19 out of every 20 accounts on the ledger. For more on the upper tiers, see our earlier piece on how much XRP puts you in the top 1%.
Why is 2,065 XRP enough for the top 10%?
2,065 XRP is enough for the top 10% because the bottom of the XRP rich list is crowded with very small accounts. On October 25, 2026, 2,634,760 accounts held between 1 and 10 XRP. That is 31.86% of all accounts on the ledger, and together they held only about 4.1 million XRP.
Another 42.32% of accounts held between 10 and 100 XRP. Together, the two bands mean about 74% of all XRP accounts hold under 100 coins. Add the next band, 100 to 500 XRP, and roughly 82% of accounts, about 6.8 million, hold under 500 coins.
The video compares it to a 5K run where millions sign up and most stop after the first block. Finishing at all puts you near the front, but that doesn’t mean you ran fast. The top 10% is not a club of whales. Because so many accounts hold only a few coins, a balance of a couple of thousand XRP is enough to clear most of the field.
What changed when the XRP Ledger cut its reserve?
The XRP Ledger cut its base reserve from 10 XRP to 1 XRP on December 2, 2024, after a vote by the ledger’s validators. That cut made accounts holding fewer than 10 XRP possible for the first time. The base reserve is the minimum amount of XRP an account must hold just to exist. The extra reserve for each item an account holds, such as a trust line for a token, dropped from 2 XRP to 0.2 XRP. Our explainer on why you can’t send all of your XRP covers how the reserve works.
Before the change, an account with 3 or 7 XRP could not exist. The video says about 2.6 million such accounts exist now. Accounts holding 10 to 100 XRP were already possible under the old rule. According to the sources cited in the video description, the account count has climbed steadily:
- January 2024: the ledger passed 5 million accounts.
- September 2025: it passed 7 million.
- July 2026: it passed 8 million.
- October 25, 2026: 8,269,831 funded accounts.
In the video’s analogy, every new account is another runner at the back of the race. The top 10% is simply the top tenth of however many accounts exist, so more accounts at the bottom pull the line down. Nobody at the top has to sell anything for that to happen.
Is big money buying XRP out of small hands?
The video argues that the rich list data does not support the idea that big holders are draining small ones. Its reasoning is that if this were happening, the top 1% line would rise, because the largest accounts would be getting larger. Instead, that line fell.
| Date | Top 10% cutoff | Top 1% cutoff |
|---|---|---|
| August 11, 2026 | 2,143 XRP | 44,771 XRP |
| October 8, 2026 | 2,088 XRP | 43,926 XRP |
| October 25, 2026 | 2,065 XRP | 43,451 XRP |
Over those roughly 10 weeks, the video says the ledger added about a quarter million accounts while both cutoffs slid. The host’s point is that the viral number is accurate but the explanation attached to it is wrong.
There is a limit to that argument. A percentile cutoff can fall simply because new accounts are added, even while large holders are buying. A falling top 1% line fits the video’s explanation, but it does not prove it on its own.
Why an XRP account is not a person
An XRP Ledger account is an address, not a person. One exchange account can hold coins for thousands or millions of customers. One person can run many accounts, and some accounts are abandoned with lost keys. We covered this in more detail in why the rich list counts accounts and custody, not people.
The video gives several examples of large “warehouse” accounts:
- Coinbase: XRP bought on Coinbase and left there sits in a few large exchange accounts. The customer does not appear on the ladder at all.
- Bitwise XRP ETF: the fund told the SEC it held 286,838,445 XRP on June 30, 2026. Those coins sit in a few accounts on behalf of many shareholders.
- Evernorth: the company listed on Nasdaq as XRPN in October 2026 and holds roughly 473 million XRP on its balance sheet. Our article on how Evernorth’s XRP treasury company works explains the structure.
- Ripple’s escrow: Ripple’s own page showed 32.6 billion XRP in escrow as of June 30, 2026. The balance has fallen since then. U.Today reported about 31.28 billion XRP left after the September 1 unlock. These coins sit in accounts at the very top and are not owned the way an individual owns XRP.
The video, citing the rich list page, says the top 100 accounts hold 62.44% of all XRP, or 49% once known exchange accounts are removed. It also says 13 accounts hold a billion XRP or more, many of them exchanges, funds or escrow.
These big accounts can change for reasons that have nothing to do with individual holders. The video says Goldman Sachs reported about $152 million across four XRP ETFs at the end of 2025 and none in its next report three months later. According to the video, the fund accounts got smaller when the bank left, yet no individual retail holder had to sell a coin.
What the rich list can and can’t tell you
The XRP rich list is useful for one thing: comparing your own visible pile of coins with other visible piles on a given date. The video argues it fails at two others.
First, it cannot show that coins are running out. The video puts the supply at about 63 billion XRP, with roughly a third on exchanges. In its view, the cutoffs fall because accounts multiply, not because coins disappear.
Second, it cannot rank you among people. If your XRP is on an exchange or inside a fund, you are invisible on the list, along with millions of others. The real top 10% of people could be smaller or larger than the account figure suggests, and the video says plainly that nobody knows.
The host describes a falling cutoff as a headcount: more accounts opened than closed. That could mean more people. It could also mean bots, test accounts or exchanges splitting holdings across more addresses.
Three things to check on the XRP rich list each month
The video closes with a short monthly routine:
- The total account count. If it went up, every cutoff on the ladder will slide down. Treat that slide as expected, not as news.
- The top 1% line. The video’s view is that this line would climb if large accounts were absorbing small ones. As of October 25, 2026, it was still falling.
- Where your own coins sit. If your XRP is in a wallet you control, you are on the ladder. If it is on an exchange, you are inside someone else’s account, and the list says nothing about you.
What to watch next
When the next headline says the top 10% cutoff dropped again, check the total number of funded accounts first. If that number rose, it likely explains much of the drop. Watch the top 1% line alongside it. Keep an eye on large fund, exchange and escrow accounts too, since their moves reflect company decisions rather than individual holders. As the video puts it, 2,065 XRP was the top 10% of accounts. It was never the top 10% of people.
Sources
- XRP rich list (accounts, balance bands and percentile cutoffs)
- XRP Ledger: Lower reserves are in effect
- XRP Ledger passes 5 million accounts (January 2024)
- XRP Ledger crosses 8 million activated accounts (July 2026)
- XRP rich list, August 2026 cutoffs
- XRP rich list, October 2026 cutoffs
- Bitwise XRP ETF holdings, June 30, 2026 (SEC filing)
- Evernorth lists on Nasdaq as XRPN with a 473M XRP treasury
- Ripple: XRP and escrow
Frequently asked questions
How much XRP do you need to be in the top 10%?
According to the public rich list read on October 25, 2026, 2,065 XRP put an account in the top 10% of all funded XRP accounts. At the $1.29 price cited in the video, that was about $2,660.
Why does the XRP rich list cutoff keep going down?
The video says the number of accounts keeps growing, mostly with very small balances. More accounts at the bottom push every percentile line down, even if no large holder sells anything.
How much XRP puts you in the top 1%?
On October 25, 2026, the top 1% cutoff was 43,451 XRP, about $56,000 at the price cited in the video. It was 44,771 XRP on August 11, 2026, so the line fell over that period.
Does XRP held on Coinbase show up on the rich list?
Not as your own entry. The video explains that Coinbase holds customer XRP in a few large accounts. On the rich list those coins appear as exchange accounts near the top, not as individual holders.
Why did the XRP account reserve matter for the rich list?
Until December 2, 2024, an XRP account needed 10 XRP locked just to exist. When the base reserve dropped to 1 XRP, accounts holding fewer than 10 XRP became possible, and the video says about 2.6 million such accounts now exist.
Full video transcript
From the video's captions, lightly formatted. Captions can mishear names and numbers, so check figures against the article above.
How much do you assume that you need to be part of the top 10% of holders of XRP? I'm going to assume that many of you logically said to be in the top 10%, you need around a million XRP. 2065 XRP on October 25th, 2026. That's what it took to be in the top 10% of all XRP accounts at A1.29 a coin. That's about $2,660.
A used lawn mower and a weekend. Not a million coins, not a quarter million, $2,65. And here's the part that gets passed around. In August, the number was 2,143. In early October, it was 288.
Now it's 265. Since we've heard about all the crypto being taken off of exchanges, these very wealthy people buying up huge amounts of Bitcoin, Ethereum, and XRP, you now only need 2,89 XRP to be part of the top 10% of holders on the planet. That means that there's almost no XRP left for people to buy.
The hype videos say that's proof the coins are running out. the big money is scooping them up and the little guy is getting squeezed off the ladder. Well, the ledger says the opposite. The cuto off is falling because of who's joining. And once you see the ban they're joining, you'll never read this chart the same way again. So, if you're feeling bullish, like this video and smash that subscribe button.
We are on our way to 400,000 subscribers. We're at 396,000 right now. So, make sure you smash that subscribe button. And if you're going to be the first millionaire in your family tree, make sure you comment amen down below and confirm that. Also, we are giving away our 2026 altcoin trading strategies and crypto yield generation briefing to everyone who follows us on Instagram.
You can find us @bullrunners. Also, the official link is down in the description of the video below. Let's run it. All right, bull runners. I'm Ryan Huggin aka Winwith Ryan.
Welcome back to the channel. Here's the whole ladder, bottom to top, from a public page that anyone can open on their phone. It was read on October 25th, 2026 at 8:49 p.m. in the evening. 8,269,831 funded accounts. 20 XRP is about $26 puts an account in the top half.
Half of all accounts hold 20 coins or less. 101 XRP or about $130 gets you in the top 25.2, 2,65 XRP or about $2,660 is the top 10%. $7,244 XRP, which is about $9,300, is the top 5%. But then we have a big jump. $43,451 XRP, about $56,000 gets you to that top 1%. $271,644 XRP, about $350,000 is the top onetenth of 1%. And 3.83 83 million XRP or about $4.9 million gets you into the top 100th of 1% and that's roughly 820 accounts. So if you're holding $10,000 of XRP or about 7,700 coins, you're already past 19 out of every 20 accounts on the ledger.
And you're probably thinking that can't be right. There are 63 billion of these coins. How does $2,660 put me in the top 10%. That's a great question. The answer is the bottom of the ladder, not the top.
So when we look at the two smallest rows on the same page, on October 25th, 2026, 2,634,760 accounts held between 1 and 10 XRP. That's 31.86% of every account on the entire ledger. And all of them together holds about 4.1 million coins, less than 100th of 1% of the supply. Another 3,499,74 accounts held between 10 and 100 XRP and that's 42.32%. So add them up about 74% of all XRP accounts hold under 100 coins which is under $130.
And the next row 100 to 500 XRP and it's 82% of all accounts under 500 coins. So the top 10% isn't a club of whales. It's everybody who isn't in a crowd of 6.8 million accounts holding Pocket Chain. Think of a 5K run where 6 million people signed up and most of them stopped after the first block. Finishing at all puts you near the front.
It doesn't mean you ran fast. But that bottom crowd didn't always exist. And the date it showed up is on the Ledgers on website. And before we get to that real quick, everything that we got just came off of one public page that anyone can open. And reading those before you believe a chart is the job as an investor.
And that's what we do inside of SGS system and Altcoin Pro. Most people watching this video get this far, close the tab, and then do nothing with it. If you're the one who won't, click that first link in the description below and book yourself a call right now. Now, back to it. Until late 2024, you couldn't open an XRP account with five coins.
The ledger required 10 XRP locked in an account just to exist.
On December 2nd, XRP Ledger implemented a significant update, cutting its reserve requirements by 90%. This means new users can now fund their wallets with just one XRP instead of the previous 10 XRP. And then on December 2nd of 2024, the people who run the ledgers computers voted to drop that to 1 XRP. The extra charge for holding other things in the account dropped from 2 XRP to 0.2. So a 3XRP account, a 7 XRP account, those were impossible before that day.
Now there are 2.6 million of them. Watch what that does to the count. On January 2024, the ledger passed 5 million accounts. In September of 2025, it passed 7 million accounts. In July of 2026, 8 million.
On October 25th, 2026, there's 8,269,831. Every one of those new accounts is a new runner at the back of the race. And the top 10% is just the fastest 10% of however many people showed up. More runners at the back. The 10% line moves down.
Nobody at the front had to sell a thing. So, let's test it against the dates. August 11th, 2026, the top 10% was 2,143 XRP and the top 1% was 44,771. October 8th, 2026, 2008, and 43,926. October 25th, 2026, 2065, and 43,451.
According to the newest XRP ledger snapshot, just 2,121 XRP is enough to place an account inside the top 10%. Around 7,447 XRP gets you into the top 5%. And if one of your accounts contains approximately 44,514 XRP, that account sits inside the top 1%. Over those 10 weeks, the ledger added roughly a quarter million accounts. The cutoff slid down the whole way.
If the big money were buying coins out of small hands, you'd expect the 1% line to climb because the rich accounts would be getting richer. Instead, it fell from 44,771 to 43,451. That is not coins leaving the little guy. That's more little guys. Now, the hype videos aren't lying about the number.
2065 is the number. They're wrong about why. And there's a second thing that they skip that matters more than the number itself. Now, the one thing the latter can't tell you,
a wallet does not represent a single human. One exchange wallet can hold millions of XRP for thousands of users. One person can own 10 wallets. Some wallets are abandoned forever. So, any top percent of holders chart is structurally [music] misleading from the start.
An account on this ledger is not a person. It's a box with an address.
You can buy XRP and hold it in your own wallet. You can buy an ETF if you're more comfortable with a traditional financial product that would give you passive exposure to the price of XRP. And now we have Evanorf, a publicly traded company in the United States that's going to use their treasury, their holdings of XRP to generate a return.
So say you bought your XRP on Coinbase and left it there. You are actually not on this ladder at all. Coinbase holds your coins in a few giant boxes with millions of other customers inside on the chart. That's one account near the very top. Say you bought the Bitwise XRP fund in your retirement account instead the ETF.
We got the same thing going on there. On June 30th, 2026, that fund told the SEC it held 286,838,445 XRP. By August 9th, it had 26,560,000 shares out held by who knows how many people on the ledger. That's just one pile.
Ever North lists on NASDAQ as XRP, one of the largest publicly traded XRP treasuries in the world, holding roughly 473 million XRP. Evernorth, the company that listed on the NASDAQ October 2026, holds roughly 473 million XRP. thousands of stockholders, a handful of accounts. So when a chart says 13 accounts hold a billion coins or more, a lot of those accounts are warehouses, exchanges, funds. Ripple's own locked up coins. How much of the top is warehouse?
Well, the page itself says it. The top 100 accounts hold 62.44% of all XRP. So take out the known exchange accounts and it's 49%. You're probably thinking, well, fine. Then the real top 10% is even smaller because all those Coinbase customers aren't counted.
Maybe or bigger because one person can run 10 accounts and thousands of old ones are dead with the keys lost. Nobody knows. The ledger just counts boxes and the big boxes move in ways no person does. In the fourth quarter of 2025, Goldman held 152.2 million across four XRP ETFs. In the first quarter of 2026, Goldman held zero.
At the end of 2025, Goldman Sachs reported about $152 million spread across four XRP funds. 3 months later, in its next report, zero. That money sat inside fund accounts on this ladder. And then when the bank left, the fund box got smaller. Not one retiree in Ohio sold a coin.
Same with Ripple's locked coins. Ripple's own page showed 32.6 6 billion XRP in escrow as of June 30th, 2026. And those sit in accounts at the very very very top and they're not for sale and nobody owns them in the way that you own your XRP. So the top of the ladder is mostly furniture. It barely moves and when it does, it's a company's decision.
The bottom of the ladder is just a flood of five coin accounts and you're in the middle measuring yourself against both. You know, in recent times, I did a video on a similar topic, on this topic, but similar information, and someone in the comments section said, "Who cares?" Hey, that may be you watching it. I completely understand. But it is exciting to know where you could gauge yourself. So, is the ladder useless?
No. You just have to know how to read it and what it is. It's good for one thing, how your pile compares to the other piles that are visible in coins on a date. And it is actually useless for two things. It can't tell you the coins are running out.
The supply is 63 billion and about a third of it sits on exchanges. The cutoff falls because accounts multiply, not because coins vanish. And it can't tell you where you rank among people. Because if your XRP is on Coinbase or inside of a fund, you're invisible on it and so are millions of other people. So when somebody says the number just dropped again, there's almost nothing left.
Ask yourself one question. How many accounts are there now? If that number went up, you have your answer.
Not because the network is opaque, but because holder identity isn't part of any blockchain. The XRPL tracks coins, not people.
Here's what the following number really is. It's a headcount. Every time it drops, it means more accounts open than closed. That's more people, maybe more bots, more test accounts, more exchanges splitting their boxes into smaller boxes. It's the ledger getting busier.
The hype channels are selling you a shortage. The ledger shows you a crowd. And a crowd is better news for a coin that's supposed to move money than a shortage ever was. A coin that nobody uses can be scarce all day long. So, here's what I check from my couch once a month.
One, the account count. If it's up, every cutoff on the ladder is going to slide. Ignore the slide. Two, the 1% line. If the big accounts were draining the small ones, that line would climb.
In October 25th, 2026, it was still falling. And number three, in my opinion, the most important one, where my own coins actually sit. If they're in my wallet, I'm on that ladder. If they're on an exchange, I'm in someone else's box, and the ladder has nothing to do or say about me. 2065 XRP is the top 10% of boxes.
It was never the top 10% of people. So tell me in the comments section down below which rung are you on? Are you in the top half, the top 25, top 10, top five, top 1%? Just the rung, not the amount of coins you're holding. Everything in this video came off of one public ledger page, one dated notice from the ledger's own site and one funds filings with the SEC. and it's all free and almost nobody reads it before they repeat the number that they saw in a headline.
Reading it and knowing which box your coins actually sit in is the job. And that's what we do at SGS Systems inside of Altcoin Pro. If you're holding $50,000 or more in crypto and nobody has ever sat down with you and mapped out where it actually lives, well, that's who that call is for. And if you're not there yet, maybe you still need to grow your account. Well, keep watching these videos.
They're free and we're not going to stop making them. You don't need to sort 8 million accounts yourself. That's actually what we do with our clients with you if you join. And if this money is something that you and your spouse decide on together, bring them on to the call. It's the first link down in the description.
Click the more button. It'll open it up. Click that and watch the quick briefing. Crypto does carry risk and past performance doesn't guarantee future results. This video is obviously education purposes only.
It's not financial advice. And you know what to do. Stay bullish. I'll f the top.
Education and commentary only, not financial advice. Crypto is volatile and you can lose money. Do your own research and speak to a qualified advisor before making investment decisions. Figures and quotes are as reported in the video on October 28, 2026 and may have changed since.
