The amount of XRP required to rank among the cryptocurrency’s largest holders has fallen considerably over the past six years. A comparison between July 2020 and November 2026 shows that ever
The amount of XRP required to rank among the cryptocurrency’s largest holders has fallen considerably over the past six years.
A comparison between July 2020 and November 2026 shows that every major XRP rich list category now requires fewer tokens to enter. At the same time, the XRP Ledger has experienced substantial growth in funded accounts, with the network recording more than 8.3 million accounts in the latest figures.
Crypto educator James Rule XRP examined these changes in a new comparison, explaining how account growth and lower reserve requirements have influenced the rankings.
In his tweet, James Rule XRP shared a video comparing XRP rich list figures from July 2020 with a November 6, 2026 snapshot. The comparison examines six account categories, ranging from the top 0.01% to the top 10%, and shows a decline in the XRP balance required to enter each group.
In July 2020, an XRP account needed approximately 24.2 million tokens to enter the top 0.01%. By November 6, 2026, that requirement had dropped to approximately 3.6 million XRP. The top 0.1% threshold also declined from roughly 750,000 XRP to 271,000 XRP.
XRP rich list: 2020 vs. 2026!
The snapshots in this video show the top 1% entry balance falling from about 80,033 XRP in July 2020 to 43,313 XRP on November 6, 2026.
But wallets aren’t people! Many people around the world have more than one XRP wallet—I have about 12… pic.twitter.com/FtKxlwYKEJ
— James Rule XRP ⟐
(@allthemoney) November 7, 2026
The remaining categories recorded similar reductions. The top 0.5% requirement fell from approximately 150,000 XRP to 78,000 XRP, while the top 1% threshold dropped from about 80,033 XRP to 43,313 XRP.
The top 5% category also recorded a decline, with its entry requirement falling from approximately 10,400 XRP to 7,200 XRP. For the top 10%, the balance decreased from roughly 3,000 XRP to 2,058 XRP.
These figures show that an account now needs a smaller XRP balance to reach each of the six rankings than it needed in 2020.
James Rule XRP’s comparison also examines the growth in XRP Ledger accounts. The video places the network at approximately 1.88 million funded accounts in January 2020. By November 6, 2026, that number had increased to 8,316,109.
This represents approximately 6.4 million additional funded accounts, bringing the network’s account count to roughly 4.4 times its January 2020 level.
However, the total XRP supply has remained close to 100 billion tokens. The video explains that more accounts now share access to approximately the same overall supply, which helps explain why the balance required to enter each rich list category has declined.
The XRP Ledger’s reserve changes have also made account creation more affordable. The network reduced its base reserve from 20 XRP to 1 XRP and lowered its owner reserve from 5 XRP to 0.2 XRP per object. Both changes took effect on December 2, 2024.
These reductions allow users to fund accounts and maintain ledger objects with fewer XRP, lowering the financial barrier to using the network.
James Rule XRP also cautioned readers against interpreting rich list rankings as a direct measure of individual ownership. He explained that one person can control several XRP wallets and revealed that he personally maintains approximately 12.
Exchange addresses create another distinction because exchanges can hold XRP for thousands of customers through a single wallet. They use destination tags to identify individual customers and allocate transactions correctly.
Therefore, one exchange address may represent thousands of XRP holders rather than a single investor.
James Rule XRP emphasized that the comparison examines historical and current account statistics, not XRP’s future price. He also encouraged readers to explore Rich List Info for additional details about the figures.
Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.
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The post XRP Rich List In 2020 vs 2026: A Snapshot You Need to See appeared first on Times Tabloid.
