From the outside, XRP’s recent on-chain milestones might seem routine. But beneath the surface, a powerful convergence of supply dynamics, wallet behavior, and growing network adoption could set the stage for truly life-changing gains for long-term holders.
According to XRPScan, the XRP Ledger (XRPL) has now surpassed 7 million active accounts, defined as wallets holding at least 1 XRP. This milestone reflects both the ecosystem’s scale and the changing nature of account usage.
Notably, the minimum balance for account activation was reduced to just 1 XRP earlier in 2025, which lowered the barrier to entry and made new wallet creation easier.
About 7 million wallets with XRP in them total on the planet. I have about 30 of them myself. Most XRP holders have 4-6 on average. There is way less than 7 million XRP holders. Probably way less than 1 million. If you hold XRP you are in a very unique position and are way ahead…
— CryptoTank (@Tank2033js) November 14, 2025
Custody Versus True Holders
CryptoTank raised a vital point: wallet counts and individual investor counts are not the same. Many exchanges pool customer holdings into a few custodial addresses. That means millions of users may be hidden behind a handful of on-chain wallets.
Meanwhile, many retail investors hold XRP across several individual wallets — some for trading, others for long-term security. This results in a highly concentrated on-chain count that belies broader owner distribution.
Implications for Liquidity and Price
This structure creates a unique supply-demand dynamic. If demand surges—say, from new ETF inflows or retail accumulation—a relatively small effective pool of circulating supply may absorb that demand.
That could lead to more pronounced price moves when liquidity is tight. And when you consider that many large custodial wallets represent aggregated user balances, any change in exchange outflows or whale behavior could significantly impact the available float.
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— TimesTabloid (@TimesTabloid1) June 15, 2025
Emerging Adoption Signals
Recent on-chain data support renewed interest. For example, analytics platforms reported more than 21,500 new wallets created in just 48 hours — the fastest two-day growth in eight months. That rise suggests a wave of both retail and possibly institutional inflows re-engaging with XRPL.
Coupled with Ripple’s expanding infrastructure (including its new XRPL-EVM sidechain), this could fuel broader demand.
What This Means for Long-Term Holders
If you already hold XRP, your position may be more meaningful than you realize. The combination of a limited effective seller base on-chain, growing wallet creation, and tighter liquidity could amplify upward price movements if demand picks up. This isn’t just speculative hope — it’s backed by changing on-chain realities and evolving network fundamentals.
CryptoTank’s insight matters. By reframing how we interpret the “7 million wallets” milestone, he highlights that true owner counts may be far smaller. That gap, between on-chain addresses and real-world holders, could be the asymmetry that drives substantial value when demand surges. If you’re patient and informed, your XRP position could be extremely well placed for what comes next.
Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.
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