In early 2026, XRP holdings remain highly concentrated, with the top 10 addresses holding over 11 billion tokens, and the top 50 wallets controlling approximately 40-45% of circulating supply. This "billionaires' club" is primarily composed of major exchanges, Ripple-affiliated wallets, and unidentified whales. Although retail participation is growing, with holding approximately 2,200 XRP sufficient to rank in the top 10% of global wallets, a small number of large holders can still significantly impact market volatility.

XRP-0.35%

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