Crypto analyst ChartNerd (@ChartNerdTA) recently shared updated $XRP Rich List data on X, and the takeaway is pretty clear: retail investors are getting squeezed out.

The post focused on wallet distribution and how rising prices are reshaping XRP ownership. When you look at the numbers, the shift toward concentration is hard to ignore.

What ChartNerd Pointed Out

According to ChartNerd, more than 6 million XRP wallets hold 500 XRP or less. He also noted that owning 1,000 XRP now costs around $1,750, compared to roughly $500 just over a year ago. For many participants, that price jump alone puts meaningful accumulation out of reach.

The accompanying distribution chart shows what this looks like in practice. Wallets with small balances dominate in number, but as balances increase, the number of wallets drops off sharply.

XRP Wallet Distribution Breakdown

At the lower end:

Around 3.5 million wallets hold 20 XRP or less

Another 2.5 million wallets hold between 20 and 500 XRP

Together, these millions of wallets control just over 240 million XRP.

As balances increase, concentration becomes obvious:

Only 2,011 wallets hold between 500,000 and 1,000,000 XRP, controlling about 1.34 billion XRP

Just 66 wallets hold between 100 million and 500 million $XRP , with a combined balance of roughly 11.6 billion XRP

At the very top, only 6 wallets hold more than 1 billion XRP each, controlling around 8.9 billion XRP

In total, fewer than 500 wallets hold more XRP than several million smaller accounts combined.

What This Means Going Forward

This distribution highlights how XRP ownership has matured alongside price appreciation. Higher prices limit how much new retail can accumulate, slowing token rotation and tightening liquid supply. With exchange balances shrinking, large holders gain even more influence over available XRP.

The data suggests $XRP is moving away from reliance on constant retail inflows. Ownership is consolidating, supply is settling into fewer hands, and the asset is increasingly shaped by long-term and institutional-scale holders.

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