💥XRP’s Rich List Is Telling a Quiet Story — and Retail Is Feeling It💥
Something important is happening beneath the surface of $XRP, and most people aren’t paying attention.
Fresh data from the XRP Rich List shows a clear shift in ownership: XRP is becoming harder for small investors to accumulate, while large wallets quietly strengthen their grip. As price rises and available supply tightens, the gap between retail holders and whales is widening.
Here’s what stands out 👇
More than 6 million wallets now hold 500 XRP or less, a sign that retail ownership is increasingly fragmented. At the same time, the cost to build even a modest position has jumped sharply — 1,000 XRP now costs around $1,750, compared to roughly $500 just over a year ago. That higher entry point is pricing many smaller buyers out before they even start.
When you look at wallet distribution, the pattern becomes even clearer. Millions of addresses sit at the lowest balance tiers, but wallet counts drop off fast as balances increase. A tiny group of large holders controls a disproportionate share of the supply:
Just 2,011 wallets hold between 500K–1M XRP, controlling about 1.34B XRP
Only 66 wallets hold 100M–500M XRP, accounting for roughly 11.6B XRP
And at the very top, just 6 wallets each hold over 1B XRP — nearly 9B XRP combined
In total, fewer than 500 wallets now hold more XRP than millions of smaller holders combined.
Why this matters: this is what asset maturation looks like. As prices climb, accumulation shifts from many small hands to fewer deep pockets. Liquidity slows, supply rotation tightens, and influence gradually moves away from retail traders toward long-term holders and institutions.
Retail hasn’t disappeared — but its impact is shrinking.
If you’re watching $XRP, don’t just follow price. Follow who is holding the supply.
👉 Do you think this concentration strengthens XRP’s long-term outlook, or limits upside for smaller investors?
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