XRP
XRP Top 10% Holder Threshold Drops to 2,120 Tokens Amid Network Wallet Growth
On-chain data reveals that holding 2,120 XRP is now sufficient to place a wallet within the top 10% of holders, reflecting an influx of smaller address balances across the network.
According to XRPScan data from September 6, 2026, an investor needs 2,120 XRP—worth approximately $2,947 at a market price of $1.39—to rank among the top 10% of wallet holders. Higher tiers require significantly more capital: reaching the top 5% demands 7,438 XRP ($10,339), the top 4% requires 10,000 XRP ($13,900), and entering the top 1% requires 44,500 XRP ($61,855).
The threshold required for top-decile status has declined over time, down from approximately 3,333 XRP when the token traded between $0.30 and $0.50. This shift occurred because the creation of small-balance wallets outpaced the entry of large holders, lowering percentile cutoffs across the network.
Data from Santiment published in March 2026 highlights the skewed ownership structure of XRP. Roughly 5.66 million addresses, representing 73% of all wallets, hold fewer than 100 XRP. In contrast, only 32,054 wallets—about 0.4% of the total—contain more than 100,000 XRP, though this small cohort controls roughly 74% of the circulating supply.
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