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Six months ago, getting into the top 10% of $XRP holders would have cost you around $6,000. Today, that same spot costs closer to $3,000. The entry price has been cut in half, and the reason is not good news for existing holders.
A Market in Freefall
$XRP has fallen roughly 50% since the final quarter of 2025, caught up in a broader crypto market selloff that has wiped out $1.45 trillion in total market value. For investors who bought near the peak, it has been a painful ride. But for those sitting on the sidelines with cash, the same downturn has opened a much cheaper door into the asset.
What the Numbers Say
According to the latest percentile distribution data, holding at least 2,208 $XRP is now enough to place you in the top 10% of all $XRP wallets. That translates to roughly $3,000 at current prices, down from approximately $6,000 when $XRP was trading at its Q4 2025 highs.
The data also shows just how concentrated wealth remains at the top. The top 1% of holders each hold at least 45,846 $XRP, while the top 0.01%, just 774 wallets, each hold more than 3.8 million $XRP. In other words, a tiny group of wallets controls an enormous share of the total supply.
More Wallets, More Holders
Despite the price drop, total $XRP wallet numbers have continued to grow. The number of addresses qualifying for the top 10% bracket has risen to 773,594, suggesting that new investors are entering the market and accumulating even as prices fall. It is a pattern often seen during bear markets, where retail buyers step in while larger players remain cautious.
The Bigger Picture
The drop in entry price is a double-edged story. On one hand, it shows genuine pain for long-term holders who watched their portfolios shrink significantly over six months. On the other hand, it marks one of the more accessible entry points for $XRP in recent memory.
Whether this accumulation phase eventually leads to a recovery, or whether further downside lies ahead, remains the key question for the $XRP community heading into the second half of 2026.