XRP’s on‑chain metrics reveal that retail wallets holding up to 5,000 XRP now represent more than 93 % of all XRP‑based addresses.
Retail Wallet Distribution
Data from the XRP Rich List shows the XRP Ledger hosts exactly 7,409,974 retail wallets that hold no more than 5,000 XRP, a balance currently valued around $5,650. The smallest segment—wallets with 20 XRP (approximately $22.6) or fewer—accounts for 3.969 million addresses, the largest share of the retail cohort. Wallets containing between 20 XRP ($22.6) and 500 XRP ($565) total 2.552 million, while those with 500‑1,000 XRP ($565‑$1,130) number 263,002, and the 1,000‑5,000 XRP range ($1,130‑$5,650) comprises 624,489 wallets.
Growth Trends and Market Implications
Although overall wallet expansion decelerated this year amid bearish sentiment and persistent price pressure, XRP remains on a trajectory to surpass the 8 million address milestone. Retail investors continue to fuel the majority of new wallet creation, sustaining interest despite ongoing selling pressure. This broad base of small‑scale holders bolsters the XRP market’s depth, offering resilience for the blockchain’s crypto ecosystem.