XRP Holdings: A Closer Look at the Distribution Across the Ledger
A recent X post from finance coach Kamil H. Stevenson has highlighted the distribution of XRP holdings across the XRP Ledger.
The post directs followers to a video that examines the XRP required to reach different ownership tiers and questions whether the largest wallets represent individual investors.
According to the video, owning 20 XRP was enough to place an account in the top 50% of XRP holders as of August 20, 2026. This is significant because it means that a relatively small amount of XRP can give access to high-tier ownership levels.
The video also argues that the large number of small accounts on the XRP Ledger is partly due to changes in the reserve requirements. In December 2024, validators approved a reduction in the base reserve from 10 XRP to 1 XRP and the owner reserve for ledger objects fell from 2 XRP to 0.2 XRP.
This made it significantly cheaper to open and maintain an XRP Ledger account, resulting in approximately 400,000 new funded accounts being added in five months.