XRP continues to garner attention through developments beyond its market price, particularly as the XRP Ledger expands and institutional players explore new blockchain applications. Crypto co
XRP continues to garner attention through developments beyond its market price, particularly as the XRP Ledger expands and institutional players explore new blockchain applications.
Crypto commentator Digital Asset Investor has discussed these developments in his latest tweet, examining changes in XRP ownership, Ripple’s expectations for tokenization growth, and the investment opportunities he sees in the current market downturn.
Digital Asset Investor featured a comparison from crypto educator James Rule XRP, who examined how XRP rich-list requirements have changed between 2020 and 2026.
The figures show that investors now need significantly less XRP to enter every rich-list tier. In July 2020, an account needed approximately 24.2 million XRP to rank among the top 0.01% of holders. By November 6, 2026, that requirement had dropped to approximately 3.6 million XRP.
The top 0.1% threshold declined from 750,000 XRP to 271,000 XRP, while the top 1% requirement fell from 80,000 XRP to approximately 43,000 XRP. The top 10% threshold also decreased from 3,000 XRP to 2,058 XRP.
James Rule XRP attributed much of this change to the expansion of the XRP Ledger’s account base. The network recorded approximately 1.88 million funded accounts in January 2020. That figure reached 8,316,109 by November 6, 2026, representing an increase of roughly 6.4 million accounts.
He also explained that changes to the network’s reserve requirements have reduced the cost of opening and maintaining accounts. However, he cautioned that wallet addresses do not represent individual investors because exchanges often hold XRP for thousands of customers through shared addresses.
Digital Asset Investor described the comparison as interesting but emphasized that the figures show changes in XRP ownership distribution rather than predict future prices.
Another major subject in the video involved Ripple’s expectations for tokenization over the next 12 months.
Digital Asset Investor featured Reece Merrick of Ripple discussing how tokenization could expand the use of assets in repo and margin markets, which process trillions of dollars in transactions daily.
Merrick explained that tokenized money market funds and treasuries could serve as on-chain collateral without requiring institutions to redeem them for cash first. This functionality could give tokenized assets greater utility across financial markets.
He expects massive growth in this sector over the next 12 months and anticipates that a significant proportion of the activity will take place on the XRP Ledger.
Digital Asset Investor connected this development to potential liquidity growth within the XRP ecosystem as more institutions use XRPL for tokenized financial activities.
Digital Asset Investor also featured Business man, Kevin O’Leary predicting that lawmakers could pass the CLARITY Act in 2027. O’Leary argued that the financial industry’s need for more efficient payment and settlement systems could encourage Congress to establish clearer regulations for digital assets.
The video further examined Coinbase’s position on crypto affordability and the political challenges surrounding the legislation.
Towards the end, Digital Asset Investor presented figures showing that the Bitwise XRP ETF held 413 million XRP as of September 30, 2026. The fund added 131.22 million XRP to its holdings compared with the end of 2025, representing a 215% increase. Its reported net assets reached $614.85 million.
These developments reinforce the central themes of Digital Asset Investor’s tweet.
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