Following a remark by EasyA co-founder Dom Kwok that “blockchain will eat all of finance,” crypto enthusiast RIZ highlighted a different pattern regarding XRP holders, pointing out that the XRP rich list continues to contract. To back up this observation, RIZ presented data illustrating the specific XRP balances necessary to place into various account percentiles.
XRP Holdings Vary Sharply Across Account Tiers
The numbers provided by RIZ demonstrate a heavy concentration at the very top of the distribution. A mere 823 accounts—accounting for 0.01% of the evaluated accounts—each hold a minimum of 3,739,984.429892 XRP.
The entry barrier drops significantly from that point. Moving to the 0.1% tier, 8,228 accounts possess at least 274,325.000008 XRP. The 0.2% mark encompasses 16,456 accounts with balances starting at 155,888.885185 XRP.
Further down the spectrum, 41,139 accounts at the 0.5% tier maintain at least 79,426.146872 XRP. The 1% threshold is set at 43,747.95898 XRP across 82,277 accounts. At the 2% level, 164,554 accounts hold at least 21,425.932929 XRP.
Reaching the 5% mark demands only 7,294.784043 XRP, whereas the 10% level decreases to 2,081.777828 XRP.
And the XRP rich list keeps shrinking.. https://t.co/IsTPTJAFm7 pic.twitter.com/TphFTed76G
— RIZ.. (@RizXRP) October 13, 2026
RIZ’s Claim Needs Context
By connecting these statistics to Kwok’s perspective on blockchain adoption, RIZ implied that the shrinking rich list points to broader network growth. Yet, the table shared by RIZ simply outlines current percentile thresholds without supplying any historical data.
The provided table by itself does not prove whether these limits have shifted over time, nor does it indicate if they have risen or fallen. Consequently, RIZ’s statement about the list “shrinking” remains his personal interpretation rather than a fact explicitly proven by the metrics.
A Commenter Raises Price Concerns
The sentiment in the discussion thread was not universally optimistic. A user known as PvtPoopy expressed skepticism regarding the broader outlook for XRP.
This commenter questioned why XRP has hovered near $1.37 despite what they described as a succession of regulatory approvals and favorable ecosystem updates. They also criticized XRP influencers who earn money through subscription-based communities, contending that everyday holders have failed to achieve anticipated financial gains.
While RIZ concentrated on the distribution of XRP tokens, PvtPoopy turned attention toward the actual financial results experienced by those investors.
What the Data Shows
The metrics underscore a high degree of token concentration among the uppermost XRP accounts. Securing a spot in the top 0.01% calls for nearly 3.74 million XRP, while breaking into the top 10% requires just over 2,000.
Although RIZ tied the XRP distribution figures to broader conversations about blockchain’s expanding influence in the financial sector, validating whether ownership trends are actually shifting or if the rich list is truly declining necessitates a comparative analysis of historical data rather than reliance on a single point-in-time snapshot.