Recent shifts in XRP’s wallet distribution are changing what qualifies as meaningful ownership. As the asset trades around $2.04, the number of tokens required to reach higher holder tiers continues to decline, while the financial commitment needed to do so rises steadily. XRP Wallet Distribution According to recent data , the top 10% of XRP holders now includes roughly 739,970 wallets. To enter this group, a wallet must hold at least 2,314 tokens, which translates to an investment of about $4,720 at current market prices. This marks a significant shift compared with previous years. In June 2024, investors needed approximately 3,300 XRP to reach the same tier. At that time, XRP traded near $0.47, putting the total cost at roughly $1,551. By January 2025, the threshold had already fallen to around 2,599 XRP as prices moved higher. Rising prices reduce the number of tokens required to represent a top-tier position, even as the capital required increases. Crypto experts such as Alpha Lions Academy founder Edoardo Farina still believe accumulation is a good idea at current levels . XRP Ownership Remains Highly Concentrated Despite the lower token threshold for the top 10%, XRP ownership remains heavily concentrated at the upper end. The top 1% of wallets consists of about 73,997 addresses, each holding at least 48,930 XRP. At current prices, that exposure is valued at close to $100,000. In total, the XRP network has approximately 7.4 million wallets. The vast majority hold relatively small balances. Around 6 million wallets contain 500 XRP or fewer, while roughly 3.498 million addresses hold no more than 20 XRP. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 Regulatory Progress and Institutional Demand The rising financial barrier to entering higher ownership tiers strengthens the case for accumulation. This view is supported by recent regulatory and institutional developments. The company has received conditional approval from the OCC to launch Ripple National Trust Bank. Ripple CEO Brad Garlinghouse shared his excitement, describing the move as a major step for U.S. expansion and for RLUSD. Commentators believe this approval enhances regulatory credibility and institutional trust across Ripple’s ecosystem. At the same time, XRP exchange-traded funds (ETFs) have recorded strong demand. Inflows are approaching $1 billion, with over 30 days of net inflows since the first launch. Investors looking to capitalize on the current momentum can join the top 10% of XRP holders with just 2,314 tokens. Farina has previously stated that not holding at least 1,000 XRP is insanity . Smart investors will strive to join the top 10% and secure their spot at the top of the XRP ecosystem. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on Twitter , Facebook , Telegram , and Google News The post You Need to Hold At Least 2,314 XRP. Here’s Why appeared first on Times Tabloid .
