XRP adalah aset kripto yang dikembangkan Ripple Labs dan berjalan di atas XRP Ledger, sebuah buku besar terdistribusi yang dirancang untuk menyelesaikan transaksi pembayaran lintas negara dalam hitungan detik dengan biaya sangat kecil. Per 18 Agustus 2026, XRP diperdagangkan di kisaran US$1,00 (sekitar Rp17.889) dengan kapitalisasi pasar US$62,86 miliar dan menempati peringkat ke-6 berdasarkan kapitalisasi pasar aset kripto. Berbeda dari Bitcoin yang memakai Proof of Work, XRP Ledger memakai mekanisme konsensus tersendiri tanpa penambangan.

Of everyone who registered with Pluang in 2019, only a small group was still active as of the second quarter of 2026 (Pluang internal data). Most beginner investors stop somewhere along the way — and the small group that stayed is the subject of this article, because within that same group, collective AUM grew around 950% over the period. The two figures have to be read together: AUM growth includes seven years of new deposits made by users, not only price movement, which means it is not a measure of investment return.

Individuals with a net worth above US$1 million number roughly 60 million people — 1.6% of the world's adult population (UBS Global Wealth Report 2025, 2024 data). At the very top of that distribution, 0.001% of the world's adults, around 56,000 people, control three times the combined wealth of the bottom half of the world's adult population (World Inequality Report 2026, World Inequality Lab, December 2025).

Individu dengan kekayaan bersih di atas US$1 juta berjumlah sekitar 60 juta orang — 1,6% populasi dewasa dunia (UBS Global Wealth Report 2025, data 2024). Di puncak distribusi itu, 0,001% populasi dewasa dunia atau sekitar 56.000 orang menguasai kekayaan tiga kali lipat kekayaan gabungan separuh terbawah populasi dewasa dunia (World Inequality Report 2026, World Inequality Lab, Desember 2025).