Holding 50,000 XRP Is the Minimum Requirement to Be Ranked Among the Top 1% of Holders

Despite recent fluctuations, the asset is trading near $2.37, reflecting an increase of approximately 374% from its price in early November 2024.

Crypto traders are still discussing how many XRP tokens are optimal for a standard investment portfolio.

One crypto commentator and member of the XRP community says that at least 50,000 XRP is essential for serious investors.

According to him, this amount should be seen as a minimum threshold, especially with the rapidly evolving requirements to be ranked among the wealthiest XRP holders.

I told ya’ll 50k $XRP is the minimum . Now like at how much XRP you need to be at just the 1% EXACTLY what I said

—> 50,000!!!!!!!!! pic.twitter.com/ekBaHnT7BQ

— KINGVALEX (@VALELORDX) May 16, 2025

Entry into XRP’s Top 1% Wealth Bracket Becoming Less Accessible

Vale’s position closely aligns with current data from the XRP Rich List, which shows that an investor needs just over 51,000 tokens to be counted among the top 1% of holders. This figure has decreased gradually in recent months, making it appear more attainable numerically.

However, as the token’s price has risen significantly, the financial cost of acquiring this number of tokens has surged, effectively making top-tier entry more expensive despite the lower token requirement.

For context, in January 2025, the minimum amount of tokens required to reach the 1% threshold stood at 56,304. By April 1, 2025, it had dropped to 52,030. Most recently, that figure has declined further to 51,070.

Though fewer tokens are required, the current market value of 50,000 XRP is approximately $118,500, well beyond what it would have cost just months ago.

Historical Perspective on Accumulation Strategy

Vale has long encouraged early and aggressive accumulation of the token. In late 2023, he publicly responded to a user who shared that they held 9,000 XRP, asserting that such a figure was insufficient for serious long-term positioning. He emphasized 50,000 XRP as a reasonable target even when the token traded for around $0.62, placing the total cost near $31,000.

This stance remained consistent in October 2024, when Vale reiterated his 50,000 token recommendation in response to another investor holding 38,000 XRP. The token’s price hovered around $0.51 at that time, making the target cost roughly $25,500. Those who followed his advice then are now in a considerably stronger position as prices have soared.

Investment Barriers Grow with Price Appreciation

As XRP trades above $2.30, the cost to purchase 50,000 tokens now exceeds $118,000, more than four times what it would have cost less than a year ago. For new investors or those who hesitated in the past, reaching this benchmark has become increasingly difficult. According to the latest data, anyone aiming to join the top 1% XRP holders would now need to invest over $121,000.

This rising barrier has reignited debate over how much XRP an investor needs to be well-positioned for future gains. While Vale maintains that 50,000 is the ideal minimum, not all analysts agree.

Alternate Views on Reasonable Holdings

Some industry participants believe a small amount of XRP tokens could yield substantial returns if the asset hits higher targets.

For example, Edoardo Farina, founder of Alpha Lions Academy, has proposed 10,000 XRP as a realistic and sufficient benchmark for long-term investors. His view suggests that while high accumulation may be advantageous, smaller positions could benefit significantly if the token meets long-term projections.

With the asset continuing to draw institutional and retail interest, the debate around accumulation strategies remains active. While top-tier entry thresholds have declined in token count, their rising monetary cost highlights the challenges of late-stage accumulation.

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