Collectively, these accounts accounted for around 74% of all $XRP Ledger accounts.
$XRP Wealth Distribution:
- Top 10%: 2,065 $XRP
- Top 5%: 7,244 $XRP
- Top 1%: 43,451 $XRP
- Top 0.1%: 271,644 $XRP
These statistics illustrate account balance distribution, but they do not reflect the specific amounts owned by individual investors of $XRP.
Reduced Reserve Requirements Boost $XRP Accounts
On December 2, 2024, the $XRP Ledger lowered its minimum account reserve requirement from 10 $XRP to just 1 $XRP. This change enabled users to establish accounts with smaller initial deposits, causing funded accounts to increase from over 5 million in January 2024 to more than 8.26 million by October 25, 2026.
As the number of smaller accounts grows on the ledger, the amount of $XRP necessary to be in the top 10% can decrease, even if larger holders keep their tokens. The reported threshold for the top 10% dropped from 2,143 $XRP on August 11 to 2,088 $XRP on October 8, and then to 2,065 $XRP on October 25, 2026.
Exchange Wallets and Institutional Assets Influence $XRP Rankings
Rankings within the $XRP Ledger do not accurately reflect the quantity of cryptocurrency owned by individual investors. Those acquiring $XRP via exchanges and retaining their assets within custodial accounts may not be recognized as distinct holders on the ledger, as their balances are lumped in with the exchange’s wallets.
Institutional investments result in a comparable situation. An analysis referenced a filing from June 2026 demonstrating that an $XRP investment fund possessed around 286.8 million $XRP. While many investors might contribute to the fund, the actual holdings might be confined to a few custodial accounts.
Evernorth, a publicly traded treasury company for $XRP, is reported to hold about 473 million $XRP. Such corporate investments can skew account-level distribution figures without reflecting the holdings of individual retail investors.
The escrowed $XRP from Ripple further complicates matters. As of June 30, 2026, approximately 32.6 billion $XRP were held in escrow. These balances affect the overall distribution on the ledger but do not equate to the easily accessible holdings of individual retail investors.
Implications for $XRP Investors
The decrease in the threshold for the top 10% does not necessarily indicate that the overall $XRP supply is diminishing or that large investors are acquiring tokens from smaller holders.
The data underscores that account growth plays a vital role. To fully grasp the changes in $XRP ownership, investors should take into account exchange wallets, institutional investments, and the movements of large accounts.
The figure of 2,065 $XRP reflects the account distribution as of October 25, 2026. It does not determine an individual investor’s rank among the entire population of $XRP holders.