$XRP XRP is often seen as a widely owned crypto because millions of wallets exist. But on-chain data shows a different reality. Most wallets hold under 1,000 XRP and represent dust or inactive accounts. Once these are excluded, meaningful ownership drops to roughly 1.2M wallets globally. Supply is concentrated in specific tiers, not spread evenly. This structure suggests XRP is still in an expansion phase, not saturation, where growing demand can have outsized impact.

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