In a world rife with discussions about “nepo babies,” it’s easy to let our minds drift when pondering who the wealthiest child in the world might be.

Many might immediately think of Blue Ivy Carter, the 12-year-old daughter of Beyoncé Knowles and Shawn ‘Jay Z’ Carter, but they would be mistaken.

Although Blue Ivy boasts a net worth exceeding $500 million, according to MSN, this pales compared to the actual richest child.

Neither is it North West, the daughter of Kim Kardashian and Kanye West, whose wealth is estimated by Yahoo to be between $50 million and $375 million.

And it’s not even Prince George, the 11-year-old future King of England, who holds the second spot on the rich list with a net worth of £2.8 billion.

In third place is RZA, the son of Rihanna and A$AP Rocky, with a reported net worth just shy of a billion.

So, who holds the title of the wealthiest child, you ask?

Surprisingly, it’s another royal family member—though with their collection of jewels, that might not be shocking.

The richest child in the world is Princess Charlotte, the nine-year-old sister of George (and Louis).

Her staggering net worth of £3.9 billion is expected to grow as she ages and takes on a more prominent public role.

For those curious, Prince Louis is worth £97.9 million—still a considerable amount, to say the least.

GB News attributes Princess Charlotte’s impressive net worth to the ‘Kate effect,’ citing her striking resemblance to her mother, Kate Middleton, the Princess of Wales.

Brand Finance describes Kate as ‘the most powerful royal fashion influencer.’

They note that clothing and accessories worn by Kate surge in popularity by 38 percent among American fashion buyers.

Whenever Kate is seen sporting a particular outfit, the pieces tend to sell out almost immediately, making many designers eager to dress the Princess.

Besides the ‘Kate effect,’ Charlotte’s massive net worth is also believed to stem from future inheritances and existing investments.

Kate, often coordinating her outfits with Charlotte’s, has set her up as a style icon from a young age.

During Christmas at Sandringham, Charlotte was photographed in a blue and green tartan jacket, while Kate complemented her daughter with a navy suit and a matching tartan scarf.