The XRP Rich List Reveals a Huge Gap Between Whales and Retail

• Top wallets control over 43% of the total circulating XRP supply.
• Most retail accounts hold small amounts, under 0.1% of the supply combined.
• Centralized exchange wallets distort individual wealth statistics.

New blockchain data shows an enormous wealth bifurcation in the Ledger community now. The XRP rich list is analysed by experts, and they have noticed that there is a great level of capital centralisation among the top wallet addresses. 

While retail participation has remained very low in the overall token supply, it continues to grow strongly in the retail market.

Examining Whales and Retail Tiers on the XRP Rich List

Data from the Ripple native rich list offers a clear picture of how unevenly $XRP is spread across its developing network. More than 4 million accounts contain between zero and 20 XRP, while another 2.55 million accounts reside in the 20 to 500 XRP range. Together, these smaller wallets form the overwhelming majority of addresses on the ledger.

By contrast, just 322,083 accounts have at least 10,000 XRP, or 4% of the more than 8 million total XRP accounts maintained on-chain. The top 0.1% is even more exclusive: just 8,053 accounts have at least 275,026 XRP each. As of early 2026, the XRP Ledger hit 7.85 million activated addresses, a considerable rise from the 4.5 million range observed in 2023. 

… Continue reading the full article at the original source below.