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Over 5 Million XRP Wallets Hold Less Than 1,000 Tokens — What That Means for Retail Investors
New data from the XRP Rich List is shining a light on just how XRP is spread out across holders — and it’s a pretty clear story: retail dominates. Out of roughly 6.47 million active wallets, over 5 million hold less than 500 XRP. That’s a major indicator of how widely held (but lightly loaded) this coin is.
Wallet Breakdown: Retail Is in Control
Here’s the snapshot:
2.73 million wallets hold 0–20 XRP — that’s 42.2% of all wallets.
2.51 million wallets hold between 20–500 XRP — another 38.85% chunk.
That means more than 81% of all XRP wallets hold under 500 XRP. To put it simply: XRP is still very much in retail hands. But most people aren’t going all-in — they’re holding small amounts, likely testing the waters or building slow.
The 1,000 XRP Benchmark: A New Psychological Milestone?
As XRP’s price inches upward, some analysts (like Farina) argue that owning 1,000 XRP could soon become out of reach for everyday investors — just like buying a full Bitcoin became a fantasy for most people. That 1,000 XRP mark is quickly turning into a kind of "freedom number" for believers in long-term growth.
There’s even buzz in the community about 1,000 XRP being “enough for a free life” by 2029 — if certain price predictions come true.
Price Predictions: Between Hopium and Hard Reality
Let’s break down where the bulls and bears stand:
Javon Marks sees XRP surging 50x to $123, potentially within this year.
Telegaon is more conservative: they see $100 XRP by 2040.
Matthew Brienen from CryptoGuard projects $1,000 XRP by 2035.
But not everyone’s buying it. Rajat Soni, CFA, calls the $100 targets “mental gymnastics” — and he’s not alone in thinking the ultra-bullish predictions are more dream than reality.
To get anywhere near those numbers, we’d need massive global adoption, clear regulatory green lights, and Ripple’s ecosystem firing on all cylinders. Not impossible — but a big ask.
What It All Means for Investors
If you’re holding less than 1,000 XRP, you’re definitely not alone — over 5 million wallets are in the same zone. That shows strong retail interest, but also hints at a cautious approach. People are still watching, waiting, and nibbling — not aping in.
For some, that 1,000 XRP goal is more than a number — it’s a marker for potentia,