# What XRP Balance Do You Need to Be in the Top 10%?

Recent ledger data from October 16, 2025 spills the tea on XRP holder distribution. Here's the real breakdown:

**The Numbers:**
- Top 0.01% (712 whales): ≥5.59M XRP each
- Top 0.1% (7,118 accounts): ≥338K XRP
- Top 1% (71K accounts): ≥50K XRP
- Top 10% (712K accounts): ≥2,349 XRP

Yep, you need roughly 2,350 XRP to be in the top 10%. That's roughly $1,175-$1,410 at current prices depending on when you're reading this.

**What This Tells Us:**
The concentration is real—fewer whales are stacking more, while mid-tier holders are thinning out. Supply is consolidating among long-term believers who think XRP's got legs in cross-border payments. Could mean less sell pressure from smaller holders, or it could mean distribution becomes more centralized. Either way, the wealth gap is widening.

**The Vibe:**
Some holders are using this as a signal to accumulate more. Others? They're already cashed out to pay bills. Both make sense depending on where you're at financially.