Just six months ago, it would have taken about $6,000 to be among the top 10% of XRP owners. Now, that same level of ownership only costs around $3,000. While this might seem positive, it actually means the value of XRP has decreased, which isn’t good news for people who already own it.
A Market in Freefall
XRP’s price has dropped about 50% since the end of 2025, as a large sell-off has impacted the entire cryptocurrency market, causing it to lose $1.45 trillion in value. This has been difficult for investors who bought XRP when it was more expensive. However, the price drop now presents a more affordable opportunity for those who are looking to buy.
What the Numbers Say
New data shows that owning at least 2,208 XRP now puts you in the top 10% of XRP holders. This amount is currently worth around $3,000, which is less than the approximately $6,000 it would have cost at XRP’s peak value in late 2025.
The data reveals that wealth within the XRP network is heavily concentrated among a small number of people. The top 1% of XRP holders each possess at least 45,846 XRP, and an even smaller group – the top 0.01%, consisting of only 774 wallets – each hold over 3.8 million XRP. This means a very limited number of individuals control a significant portion of all XRP in circulation.
More Wallets, More Holders
Even though the price of XRP has gone down, the number of XRP wallets is still increasing. Currently, 773,594 addresses hold enough XRP to be in the top 10%, which indicates that new investors are buying the cryptocurrency despite the price decrease. This is a common trend during periods when prices are falling – smaller investors often buy while larger investors wait to see what happens.
The Bigger Picture
The falling price of XRP is a mixed bag. While it’s understandably frustrating for those who’ve held the cryptocurrency for a long time and seen its value decrease over the past six months, it also presents a relatively good opportunity for new investors to buy in.
As an analyst, I’m closely watching to see if the current period of XRP accumulation will ultimately result in a price recovery, or if we can expect further declines. This is the big question facing the XRP community as we move into the latter half of 2026.
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2026-03-26 19:07