A recent analysis by finance coach Kamil H. Stevenson has drawn attention to the distribution of XRP holdings across the XRP Ledger, providing new insight into wallet concentration and ownership tiers among XRP users. Stevenson referenced a video from Bull Runners that breaks down the requirements for entering various levels among XRP holders, while also questioning whether the largest wallets actually belong to individual investors. The video indicates that holding just 20 XRP is sufficient for an account to join the top 50 percent of all XRP wallets as of August 20, 2026. Accounts holding 21 XRP surpassed the balances of more than 4 million other wallets on the network.