ChartNerd (@ChartNerdTA), a prominent crypto analyst on X, recently published data from the XRP Rich List suggesting retail investors are being priced out.
The post focused on wallet distribution, price growth, and what rising costs mean for smaller participants. The numbers themselves tell the story, describing how XRP ownership looks today.
What ChartNerd Highlighted
ChartNerd wrote that “More than 6 million XRP wallets hold 500 XRP or fewer.” He added that “acquiring 1,000 XRP is already out of reach for most participants, as it now costs about $1,750 compared to $500 just over a year ago.” The post paired this observation with a detailed balance distribution chart showing how the XRP supply clusters across wallet sizes.
The chart shows millions of addresses holding small balances. It also shows a steep drop in wallet count as balances rise. Only a small number of wallets control large allocations, while mid-sized holders sit between those extremes.
$XRP Rich List : Is Retail Being Priced Out? If So, Why? —More than 6 million XRP wallets hold 500 XRP or fewer. At the same time, acquiring 1,000 XRP is already out of reach for most participants, as it now costs about $1,750 compared to $500 just over a year ago. pic.twitter.com/oCEioUq1np
— 🇬🇧 ChartNerd 📊 (@ChartNerdTA) December 28, 2025
XRP Distribution
The XRP Rich List data clarifies token ownership. At the lower end, 3.5 million wallets hold 20 XRP or less, while another 2.5 million wallets sit in the 20 to 500 XRP range. Combined, these accounts control just over 240 million tokens. By contrast, wallet counts shrink rapidly as balances rise. Only 2,011 wallets hold between 500,000 and 1,000,000 XRP, controlling about 1.34 billion XRP.
At the upper end, concentration becomes more visible. Just 66 wallets hold between 100 million and 500 million XRP, with a combined balance of roughly 11.6 billion tokens. Above that, only 6 wallets hold more than 1 billion XRP each, controlling about 8.9 billion XRP. In total, fewer than 500 wallets hold more XRP than several million smaller accounts.
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This distribution shows a surprising trend in ownership density. Large balances cluster in very few wallets, while retail participation spreads thinly across millions of addresses. With XRP supply on exchanges shrinking rapidly, this data suggests that most of those tokens are held by large investors.
What This Means for XRP’s Path
Rising costs restrict supply movement by limiting the number of participants that can accumulate at scale. This slows coin rotation and leaves long-term holders with greater control over available liquidity, and pushes out retail holders.
The Rich List reveals that XRP ownership has matured along with price appreciation. Retail access has narrowed. Supply has settled into fewer large pools. XRP no longer relies on constant new retail inflows to sustain value, and is becoming a more institution-focused asset.
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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