Latest XRP Rich List: Top 10% Limit Drops to 2,200 XRP, Here’s the Data!

Updated

February 18, 2026

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Gambar Latest XRP Rich List: Top 10% Limit Drops to 2,200 XRP, Here’s the Data!

Jakarta, Pintu News – Recent developments in the Ripple ecosystem show significant changes in the distribution of tokens among its holders. Now, with just around 2,200 XRP, one can enter the top 10% of wallets globally.

This phenomenon comes amidst a surge in the number of XRP wallets, which has increased by 30% in the last two years. This signals a shift in ownership patterns, where retail investor participation is expanding, while large investors continue to dominate the number of tokens in circulation.

Ripple (XRP) Wallet Surge and Token Distribution Shift

Recent data shows that the threshold to enter the top 10% of Ripple (XRP) wallets is now much lower than in previous years. Previously, thousands to tens of thousands of XRP were required, but now only around 2,232 XRP is enough to make the cut. This comes as the number of XRP wallets has grown from 5,970,000 in December 2024 to 7,790,000 in February 2026.

This nearly 30% increase indicates that more retail investors are starting to look at Ripple (XRP) as an investment asset. The increase in the number of small wallets shows that the distribution of tokens is starting to even out, although the US dollar ($) value of these holdings remains higher than a few years ago.

However, despite the increase in the number of wallets, XRP distribution is still dominated by a handful of large wallets. This means that despite increased retail participation, the concentration of tokens in the hands of large investors is still very high. This has led to speculation that changes in distribution could affect the price dynamics of Ripple (XRP) in the future.

Retail Investors Grow, Big Investors Remain Dominant

The rapid growth in the number of Ripple (XRP) wallets indicates that more retail investors are entering the market. However, the data also shows that a large portion of XRP is still controlled by wallets with large balances. This indicates that despite the democratization of ownership, market power remains in the hands of institutional investors and whales.

On the other hand, market sentiment is currently mixed between optimism and caution. Retail investors tend to be wary of price volatility, while large investors are taking advantage of falling prices to increase their holdings.

This phenomenon has been common in previous crypto market cycles, where large accumulations are usually made when retail sentiment is negative. If Ripple (XRP) manages to decouple its price dependence from Bitcoin in the future, this pattern of accumulation during times of uncertainty could be the key to long-term growth.

Ripple (XRP) Infrastructure Strategy and Future Growth Potential

Ripple (XRP) does not rely solely on price speculation, but also focuses on long-term infrastructure development. Ripple CEO, Brad Garlinghouse, emphasized that XRP’s growth will not happen instantly, but rather through sustainable ecosystem development.

Over the years, Ripple has forged strategic partnerships, strengthened regulatory engagement, and continuously improved the XRP Ledger technology. These infrastructure improvements include liquidity development, cross-border payment solutions, asset tokenization, and real-world use cases.

This approach is believed to strengthen the fundamentals of Ripple (XRP) beyond short-term price fluctuations. XRP proponents believe that this long-term strategy will add significant value to the ecosystem. As such, Ripple (XRP) has the potential to be one of the digital assets best equipped to face the future challenges of the crypto industry.

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*Disclaimer

This content aims to enrich readers’ information. Pintu collects this information from various relevant sources and is not influenced by outside parties. Note that an asset’s past performance does not determine its projected future performance. Crypto trading activities are subject to high risk and volatility, always do your own research and use cold hard cash before investing. All activities of buying and selling Bitcoin and other crypto asset investments are the responsibility of the reader.

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