Whale, There It Is: 44,596 XRP Is the New "Top 1%" Ticket 🐳

The XRP Ledger recorded 8,194,963 funded accounts in September 2026, according to the latest XRPScan snapshot, capping off a tally of how tokens are spread across the network. The threshold for joining the top 1% now stands at 44,596 XRP, while roughly 81,080 accounts clear that bar. Climbing higher remains mathematically punishing, with the top 0.01% tier requiring balances well beyond that figure.

The September XRPScan data places the top 2% cutoff at 21,757 XRP and the top 3% at 14,002 XRP. Entry into the top 4% requires a minimum balance of 10,020 XRP, and the top 5% threshold sits at 7,459 XRP. Further down the distribution, the top 10% begins at 2,127 XRP, a bracket populated by approximately 810,804 accounts holding that amount or more.

Beyond retail wallets, the rich list continues to be dominated by major centralized entities. Ripple, alongside exchanges Upbit, Coinbase and Binance, features among the largest XRP holders, with billions of tokens distributed across their respective accounts. The composition underscores how exchange-controlled wallets still shape the upper tiers of the ledger's balance rankings.

According to XRPScan's published brackets, the highest tier documented on the snapshot places the top 0.1% at 277,148 XRP, separating deep-pocketed holders from the broader funded base. The tiered structure gives a quantitative view of how concentrated or dispersed XRP remains across the network's eight-million-plus funded accounts.

The September 2026 update arrives as XRPScan continues to publish periodic snapshots of the ledger's account distribution. The data reflects on-chain balances only and does not account for off-exchange holdings or token movements outside the recorded accounts.