The number of high-value XRP holders has climbed, with on-chain data showing that addresses holding at least one million XRP are now approaching the 2,000 mark. 

Data indicates that 1,333 accounts currently hold between 1 million and 5 million XRP, while an additional 166 addresses control between 5 million and 10 million XRP. 

A further 176 accounts hold between 10 million and 20 million XRP, and 234 wallets contain between 20 million and 100 million XRP. 

At the upper end, 63 addresses hold between 100 million and 500 million XRP, 19 wallets fall in the 500 million to 1 billion range, and just 6 accounts hold more than 1 billion XRP.

Taken together, these figures show that the number of XRP millionaire addresses, defined as those with holdings of at least 1 million XRP, stands at 1,997.

The distribution also highlights the significant amount of XRP controlled by these large holders. Addresses with balances between 100 million and 500 million XRP collectively hold over 12.07 billion XRP, while those in the 500 million to 1 billion range account for more than 10.15 billion XRP. Wallets holding over 1 billion XRP together control approximately 9.23 billion XRP.

Meanwhile, mid-tier holders continue to form a substantial portion of the network. 2,021 accounts are holding between 500,000 and 1 million XRP, and 28,034 addresses with balances ranging from 100,000 to 500,000 XRP. 

Lower balance tiers dominate in terms of wallet count, with over 2.55 million addresses holding between 20 and 500 XRP, and nearly 3.8 million accounts containing less than 20 XRP.

XRP distribution gap

At the same time, percentile data further illustrates the distribution gap between top holders and the broader user base. The top 1% of accounts, numbering 77,479, each hold at least 45,801 XRP. 

Moving higher, the top 0.1%, consisting of 7,748 accounts, hold no less than 285,865 XRP, while the top 0.01%, just 775 addresses, each control more than 3.83 million XRP.

The data reflects a familiar pattern in digital asset markets, where a relatively small number of large holders command a disproportionate share of supply. 

At the same time, the expanding base of smaller accounts suggests continued retail participation, even as wealth concentration at the top intensifies.

However, in the nature of cryptocurrency, it is inherently difficult to determine actual beneficial owners due to pseudonymity. 

Many of the whales are likely tied to Ripple’s internal wallets and its massive escrow holdings, which continue to unlock up to 1 billion XRP monthly. Significant portions are also held by centralized exchanges on behalf of users.

XRP price analysis 

Indeed, the distribution of holdings has likely been affected by recent XRP price volatility, with the asset plunging significantly in line with the broader market, and the loss of the $1 support level remains a possibility. 

By press time, XRP was trading at $1.32, down more than 2% in the past 24 hours, while on a weekly basis, the asset has declined by nearly 6%.

As things stand, XRP’s immediate support lies at $1.30, a critical psychological and technical floor. 

A daily close below this level could trigger further downside toward $1.27, with $1.25 acting as the next major support zone.

On the upside, resistance stands at $1.38 and $1.40, where selling pressure has repeatedly emerged. 

A break above this range would improve sentiment and open the path toward $1.44, followed by the more significant $1.50 barrier.