Just 2,065 XRP would put a wallet among the largest 10% of funded XRP Ledger accounts, according to a snapshot cited by Bullrunners host Ryan Huggins. His argument: that surprisingly low threshold says more about the proliferation of small accounts than about XRP becoming scarce.
Huggins dates the snapshot to October 25, 2026, and puts the holding’s value at roughly $2,660. The figures are presented in the video, rather than independently verified here, and describe individual ledger accounts—not investors.
Small accounts change the rankings
The cited snapshot counts 8,269,831 funded accounts. Around 74% hold fewer than 100 XRP, while roughly 82% hold fewer than 500, leaving a relatively modest balance high on the account-ranking ladder.
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Huggins connects that distribution to the XRP Ledger’s December 2024 reserve reduction, which lowered the base account reserve from 10 XRP to one. That made smaller funded accounts cheaper to establish.
Across the snapshots he presents, the top-10% threshold fell from 2,143 XRP on August 11, 2026, to 2,065 XRP on October 25. The top-1% threshold also declined, from 44,771 XRP to roughly 43,451 XRP.
Adding accounts at the bottom can push those percentile thresholds lower without requiring larger holders to sell. But the video takes that reasoning too far when suggesting that growing account numbers necessarily lower every cutoff, or that a falling top-1% threshold rules out accumulation by large holders. Neither follows from account counts alone.
A wallet ranking cannot count investors
“The ledger just counts boxes,” Huggins says. An exchange address can represent thousands of customers, while one investor can control multiple wallets; abandoned accounts further complicate the picture.
That distinction matters for anyone holding XRP through an exchange or investment fund. Their exposure may sit inside a large custodial address rather than appear as a separate balance on the ranking.
The useful signal is narrower than either a scarcity claim or a measure of adoption: these snapshots show how visible account balances compare at particular moments. XRP investors assessing market supply still need evidence about exchange balances, ownership concentration and trading liquidity.
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