New wallet distribution data shows that it now takes 2,208 XRP to rank inside the top 10% of all XRP wallets. At current prices, that stake is worth about $3,000. Six months earlier, when XRP was trading near its highs in the fourth quarter of 2025, the same threshold translated to roughly $6,000.
The sharp change comes from price weakness, not a lower token requirement. According to the source material, XRP has dropped about 50% since late Q4 2025, while the broader crypto selloff erased around $1.45 trillion in total market value. For buyers who entered near the top, the decline has been severe. For cash-heavy investors still on the sidelines, the cost of reaching a higher holder percentile has become much cheaper.
Wealth distribution remains heavily concentrated
The same dataset highlights how concentrated XRP ownership still is. Wallets in the top 1% each hold at least 45,846 XRP. At the very top, the top 0.01% consists of just 774 wallets, and each of them holds more than 3.8 million XRP. A very small slice of addresses still controls a large amount of supply.
That gap matters. Even with millions of wallets in the network, the distance between everyday holders and the highest-ranked addresses remains wide, showing that participation growth does not automatically mean evenly distributed holdings.
Wallet growth continues during the downturn
Price weakness has not stopped wallet growth. The number of addresses that qualify for the top 10% bracket has climbed to 773,594. In practical terms, that points to continued expansion in the number of XRP wallets and suggests that new participants are still accumulating during the decline.
The source frames this as a pattern often seen in bear markets: retail buyers step in on lower prices while larger players stay cautious. The data does not settle what comes next, but it does show that falling prices have not halted address growth.
Cheaper access for new entrants, pressure for existing holders
The lower dollar cost to enter the top 10% tells two stories at once. Existing holders have seen portfolio values shrink over the past six months. New entrants, by contrast, can reach the same percentile position with far less capital than they needed at the 2025 Q4 peak.
That leaves one central question for the XRP market heading into the second half of 2026: whether this phase of accumulation eventually leads to a rebound, or whether prices continue to move lower. What is already clear is the shift in affordability. The XRP amount needed to reach the top 10% stands at 2,208, but the dollar cost of that position has been cut roughly in half.