XRP ownership bar rises: Top 1% now holds at least 44,896 XRP

CoinDesk cited the latest XRP holding distribution data showing that the thresholds to rank among the largest holders have moved higher. An address now needs 2,151 XRP to be in the top 10%, 7,503 XRP for the top 5%, and 44,896 XRP for the top 1%. Reaching the top 0.1% requires roughly 275,420 XRP. The data also highlights ongoing concentration among the biggest wallets. More than 8 million XRP accounts are currently funded, though that figure does not represent 8 million unique holders because a single user or institution can control multiple addresses. The gap between typical wallets and top addresses remains pronounced: while the network has surpassed 8 million funded accounts, wallets holding hundreds of thousands or even millions of XRP account for only a small share. CoinDesk noted that about 800 accounts hold more than 3 million XRP each. Large-holder activity has also picked up. On August 18, the number of XRP transfers exceeding US$1 million jumped from about 9.9 to more than 38 within 24 hours, an increase of roughly 280%. Over the past three months, the count of wallets holding at least 1 million XRP rose from around 2,006 to 2,038. In 2026, wallets holding between 10 million and 100 million XRP collectively accumulated about 1.23 billion XRP during a period when XRP's price declined notably. On-chain usage metrics suggest recent activity growth has largely come from existing participants. Average daily active addresses increased from about 26,400 in July to 35,700 in August, up roughly one-third. New-address creation was essentially flat, averaging about 2,260 per day in August versus about 2,270 in July. Overall, rising ownership thresholds, heavier whale activity, and a rebound in active addresses point to continued concentration among large holders, while the latest surge in on-chain transactions appears to be driven mainly by existing users rather than a broad influx of new participants.