$XRP wallet data has changed fast this month, and many users watching whale activity are talking about it. A new update shows that large XRP holders are growing in number, and the wallet tiers look different from last month. The pace of this shift is quick, and it is creating pressure on smaller holders.
A market watcher shared the numbers and compared them with older data. The results show that whales are adding more XRP while many retail users are reducing their balances during the quiet period. This change is now visible across the top wallet groups.
⭐ Month-to-Month Movement
Almost every tier has more accounts than last month. But the balance needed to enter each tier is lower. This means whales are spreading their holdings across more wallets while still keeping large amounts.
The 0.01% tier now has 728 accounts holding at least 4,167,022 XRP. Last month, it had 706 accounts with at least 5,883,010 XRP. More wallets, lower entry balance, a sign that large holders are filling the top bracket.
The 0.1% tier moved from 7,055 accounts at 344,209 XRP to 7,283 accounts at 315,532 XRP. The 0.2% tier rose from 14,110 accounts at 191,354 XRP to 14,567 accounts at 180,030 XRP.
This pattern repeats across the major groups. The big holders now take positions that used to belong to smaller accounts.
⭐ Rising Concentration
The 2% tier increased from 141,102 accounts at 24,859 XRP to 145,670 accounts at 23,995 XRP. The 3% tier grew from 211,653 accounts at 15,399 XRP to 218,505 accounts at 15,041 XRP. The 4% tier moved from 282,204 accounts at 10,545 XRP to 291,340 accounts at 10,344 XRP.
Even the broader 10% tier increased, from 705,509 accounts at 2,360 XRP to 728,349 accounts at 2,313 XRP.
Market analysts say this shows whales continue to add supply, while retail accounts slowly shrink. Exchange balances are also falling, which matches the trend of long-term holders absorbing more XRP.
⭐ Retail Behavior in a Shrinking Pool
Retail holders usually pull back during uncertain weeks. Bigger accounts often do the opposite. They add more when prices stay quiet. The updated XRP rich list shows this clearly. Whales now take a larger share of the total supply, and retail users hold less.
The next update will show if this pattern stays strong or slows down. For now, large wallets continue to expand, and XRP supply on exchanges keeps getting lower.
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