The amount of XRP needed to rank among the top 10% of XRP Ledger accounts fell to 2,065 tokens on October 25, 2026, according to XRPScan data. At an XRP price of $1.29, the holdings were worth around $2,664.

The decline does not necessarily mean large investors are buying XRP from smaller holders. More accounts holding small amounts of XRP are lowering the threshold.

74% of XRP Accounts Hold Fewer Than 100 Tokens

Of the 8.26 million funded accounts recorded on October 25, around 2.63 million held between 1 and 10 XRP. Another 3.49 million held between 10 and 100 XRP.

Together, these accounts represented about 74% of all XRP Ledger accounts.

• Top 10%: 2,065 XRP
• Top 5%: 7,244 XRP
• Top 1%: 43,451 XRP
• Top 0.1%: 271,644 XRP

These figures show how account balances compare on the ledger. They do not indicate how much XRP individual investors own.

Lower Reserve Requirements Increased XRP Accounts

On December 2, 2024, the XRP Ledger reduced its minimum account reserve from 10 XRP to 1 XRP. This allowed users to open accounts with smaller balances. The number of funded accounts subsequently rose from more than 5 million in January 2024 to over 8.26 million by October 25, 2026.

As more small accounts join the ledger, the amount of XRP required to rank in the top 10% can fall, even if larger holders do not sell their tokens. The reported top 10% threshold declined from 2,143 XRP on August 11 to 2,088 XRP on October 8 and 2,065 XRP on October 25, 2026.

Exchange Wallets and Institutional Holdings Complicate XRP Rankings

XRP Ledger account rankings do not directly measure how much cryptocurrency individual investors own. Investors who purchase XRP through an exchange and leave their holdings in custodial accounts may not appear as separate holders on the ledger. Their balances are instead included in the exchange’s wallets.

Institutional holdings create a similar effect. The analysis cited a June 2026 filing showing that an XRP investment fund held approximately 286.8 million XRP. Although the fund may have many investors, its underlying holdings can be concentrated in a small number of custodial accounts.

Evernorth, a publicly traded XRP treasury company, as holding approximately 473 million XRP. Such corporate holdings can influence account-level distribution figures without representing the holdings of a single individual investor.

Ripple’s escrowed XRP adds another complication. Approximately 32.6 billion XRP held in escrow as of June 30, 2026. These balances contribute to the ledger’s overall distribution but are not equivalent to freely available holdings owned by individual retail investors.

What the Data Means for XRP Holders

The fall in the top 10% threshold does not, by itself, prove that XRP supply is shrinking or that large investors are accumulating tokens from retail holders.

The data points to account growth as a key factor. To understand changes in XRP ownership, investors also need to consider exchange wallets, institutional holdings and movements in large accounts.

The 2,065 XRP figure represents the account distribution reported on October 25, 2026. It does not establish an individual’s ranking among all XRP investors.

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