XRP Rich List Update: Ownership Is Quietly Shifting
$XRP 🧵👇
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Recent XRP Rich List data shows a structural change happening under the surface — and retail is getting squeezed.
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According to analyst ChartNerd, XRP accumulation is becoming harder for smaller holders as price rises and liquid supply tightens.
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Over 6 million wallets hold 500 XRP or less.
That’s a massive number of participants — but with very little influence over total supply.
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Context matters:
Buying 1,000 XRP now costs ~$1,750.
Just a year ago, it was closer to $500.
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This price shift quietly raised the entry barrier.
What used to be an “easy position” for retail is no longer accessible for many.
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Wallet distribution confirms it:
• ~3.5M wallets hold ≤20 XRP
• ~2.5M wallets hold 20–500 XRP
Millions of wallets — minimal supply control.
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As balances increase, wallet counts drop fast.
Only 2,011 wallets hold 500k–1M XRP — yet they control ~1.34B XRP.
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At the top, concentration is undeniable:
• 66 wallets hold 100M–500M XRP (~11.6B XRP)
• Just 6 wallets hold 1B+ XRP each (~8.9B XRP)
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Zoom out:
Fewer than 500 wallets now control more XRP than millions of smaller holders combined.
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This isn’t random — it’s what asset maturation looks like.
As price rises: • Retail fragments
• Supply consolidates
• Rotation slows
11/
With exchange balances trending lower, XRP appears less dependent on constant retail inflows and more anchored by deep-pocket holders.
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Retail hasn’t vanished — but its influence is shrinking.
Liquidity is settling.
Ownership is concentrating.
Final thought:
XRP is quietly transitioning from a retail-driven market to a more institutionally structured asset.
Watch the wallets — not the noise.
