Stellar's Wallet Distribution Offers Cheaper Entry to Top Percentiles
A recent analysis from Be Crypto Smart suggests that Stellar (XLM) may offer more affordable access to high wallet percentile positions compared to XRP. According to on-chain scans, a top-1% Stellar wallet holds around 12,444 XLM, valued at approximately $2,072, while reaching the same percentile on XRP requires 44,967 XRP, or roughly $47,889.
The difference in wallet distribution is attributed to token prices and wallet-distribution curves. Stellar has nearly 11 million wallets compared to about 8 million funded XRP wallets. For smaller investors, building a relatively high-percentile XLM position over time may be more realistic due to the lower threshold of 2,200 XLM for the top 10%, worth approximately $365.
Both networks remain heavily concentrated at the top, with 306 Stellar wallets holding at least 5 million XLM controlling 80.2% of circulating supply, while 518 XRP wallets with at least 10 million XRP hold 78.1%. Large wallets can include exchange reserves, foundations, custodians, and Ripple-linked escrow accounts.