XRP is one of the most talked-about cryptocurrencies, but few people understand how small the actual number of holders really is. Although there are 6.4 million XRP wallets, that does not mean there are 6.4 million people holding XRP. Many users, especially experienced ones, hold multiple wallets for different purposes such as trading, storage, and security.
In fact, a large number of these wallets are inactive, unfunded, or belong to exchanges like Binance and Uphold. Others may only contain a small amount of XRP, often referred to as "dust" wallets. Based on blockchain data and AI analysis, it is estimated that only about 30 to 40 percent of these wallets are actually used by individual holders.
According to Edo Farina's explanation, this means that the actual number of people holding XRP is much smaller—around 1.5 to 2 million people worldwide. This number is less than 0.03 percent of the global population. Simply put, currently, for every 4,000 people on this planet, there is less than one person holding XRP.
So, how much XRP do you need to be considered a top holder? According to the latest data, owning just 2,500 XRP puts you in the top 10 percent of all XRP wallets. At the current market price, that amounts to about $5,000. Although it is no longer as easy as before, this is still an amount within reach of many investors.
There is a common belief that if XRP reaches a high value—such as $1,000—the elites or the government will not allow ordinary people to benefit. But when you look at the numbers, the situation is quite different.
Even if 2.5 million wallets each contain 250 XRP and XRP reaches $1,000, each person would earn $250,000. That is a significant profit, but not enough to disrupt the global financial system or attract serious attention from regulators. And the reality is that most people are unlikely to hold XRP until it reaches such high price levels. Many will cash out early—at $10, $50, or $100.