Analyst: Stellar’s Top 1% Costs $2,000; XRP’s Near $48,000

Using recent on-chain scans cited in the video, the show host of Be Crypto Smart said a top-1% Stellar wallet holds roughly 12,444 XLM, valued at about $2,072 at an XLM price near $0.165. Reaching the same percentile on XRP reportedly requires 44,967 XRP, or roughly $47,889 at $1.60 per token.

The difference is not presented as proof that one community is wealthier than the other. Rather, the video attributes it largely to token prices and wallet-distribution curves. Stellar was said to have nearly 11 million wallets, compared with about 8 million funded XRP wallets.

For the top 10%, the cited threshold was around 2,200 XLM, worth approximately $365, versus 2,157 XRP, valued at about $2,297. The speaker argued that this makes it more realistic for smaller investors to build a relatively high-percentile XLM position over time.

Both networks remain heavily concentrated at the top, according to the presentation. The video said 306 Stellar wallets holding at least 5 million XLM control 80.2% of circulating supply, while 518 XRP wallets with at least 10 million XRP hold 78.1%.

That concentration requires context. Large wallets can include exchange reserves, foundations, custodians and, in XRP’s case, Ripple-linked escrow accounts. Still, the speaker argued that the freely tradable supply available to new buyers may be lower than headline circulating-supply figures imply.

On the XRP side, the video highlighted comments from Ripple President Monica Long describing a “light switch flipping” as institutions move tokenized funds from pilots toward production use.

It also cited Ripple investments in XELO and Liquido, the tokenization of an Aviva Investors dollar liquidity fund on the XRP Ledger, and Ripple’s RLUSD issuance platform.

For Stellar, Be Crypto Smart pointed to a claimed DTCC plan to tokenize custodial assets on Stellar, with a target launch in the first half of 2027.

The video also cited new tier-one validators including MoneyGram and Figure Markets, up to $1 billion in tokenized private credit planned by Tradeable, and $3.0006 billion in tokenized real-world assets on the network.

The investment case is definitely conditional, not settled. Be Crypto Smart acknowledged that validator additions and institutional announcements do not automatically produce token demand, and that the DTCC timeline is a target rather than a guarantee.

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