XRP ownership brackets indicate that a wallet holding 3,744,000 XRP would rank among the top 0.01% of XRP wallets.

The figures also show that approximately 280,000 XRP is required to reach the top 0.1% of wallets, while a balance of 160,000 XRP places a holder in the top 0.2%.

According to the same ownership thresholds, investors holding 80,668 XRP fall within the top 0.5% of XRP wallets. A balance of 45,000 XRP is enough to reach the top 1%, while 22,000 XRP ranks a wallet in the top 2%.

The bracket data further indicates that holding 14,114 XRP places a wallet in the top 3% of XRP holders.

XRP is the native token associated with the XRP Ledger, a public blockchain designed for fast settlement and value transfer originally developed by Ripple. The token has a maximum supply of 100 billion and is commonly used in cross-border payment scenarios. Ownership-bracket figures are commonly used to compare wallet balances across a network, but they refer to wallet-level distribution and do not necessarily identify individual holders, since one person or entity may control multiple wallets. Additionally, exchange-operated wallets can aggregate balances for many users, meaning that large balances may reflect pooled customer funds rather than a single owner's holdings. As such, these thresholds provide a snapshot of on-chain distribution at a given point in time rather than a definitive measure of wealth concentration among distinct participants.