XRP’s Rich List Shows How Much The Top Wallets Control

XRP’s wealth distribution is under the spotlight as new data reveals how much power is concentrated among its largest holders. A crypto analyst has unveiled fresh insights from the XRP rich list, showing the percentage of supply controlled by top wallets and what this could mean for price action. 

XRP Rich List Data Unveiled

XRP’s rich list data has been exposed by market expert KKapon, who shared a breakdown of wallet balances that challenge common assumptions about token concentration. The figures show that the top 10% of wallets hold at least 2,307 XRP, the top 5% start at 8,000 XRP, and the top 1% begin around 48,087 XRP. This shifts the focus away from price talk and toward who controls liquidity in the network.

KKapon argued that most people misunderstand XRP’s distribution because they have not reviewed the data and done the math. He emphasized that his analysis is not centered on market value, since price is only an output of deeper structural factors. Instead, he focuses on who has liquidity, who does not, and who will need it when demand increases. 

He shared a table showing the number of accounts and XRP balances for wallet holders in the top 0.01% to the top 10%. The data shows that the top 0.01% of accounts hold at least 3,852,994 XRP, representing just 756 wallets with multi-million-token balances. This concentration illustrates just how liquidity is clustered at the very top of the holder base. 

Moving slightly down the distribution curve, the top 0.1% of wallets control balances of 295,194 XRP or more across 7,554 accounts. The top 0.5% threshold sits at 85,861 XRP, covering 37,768 wallets. These figures show that tens of thousands of accounts currently control a significant portion of XRP’s supply and can influence market liquidity during periods of high demand.

According to the table, the 1% tier begins at 48,087 XRP, corresponding to 75,535 wallets. At the 2% level, balances drop to 23,348 XRP across more than 151,000 accounts, while the 3% tier holds at least 15,000 XRP in over 260,000 wallet addresses. Lower distribution levels still reveal significant control among a relatively small segment of holders. The top 5% of wallets each hold at least 8,000 XRP, totaling about 377,671 accounts, while the top 10% begins at 2,307 XRP across more than 755,000 wallets. 

Who Controls XRP Rich List Wallets

KKapon noted that the rich list in his analysis mostly shows retail wallets and does not capture how institutions hold XRP. He explained that, unlike individual users, institutional investors keep their XRP in personal on-chain wallets. They also gain exposure through custodians, funds, or derivative products. This means the rich list data only shows how XRP is distributed across wallets, not who owns the balances or has economic control over them.