1. Why 1,000 XRP may soon be out of reach for most investors

$XRP More than 5 million wallets hold less than 1,000 XRP: What it means for retail investors

Recent data from the XRP Rich List sheds light on the distribution of XRP holdings among wallet addresses, confirming perceptions shared by market observers like Farina. So far, there are approximately 6.478 million active XRP wallets, but more than 5 million of them contain 500 XRP or less.

Wallet Distribution: A Snapshot of Retail Dominance

The breakdown is revealing:

2.734 million wallets hold between 0 and 20 XRP, representing 42.2% of all XRP wallets.

2.517 million wallets contain between 20 and 500 XRP, accounting for an additional 38.85%.

Together, around 5.25 million wallets—more than 81% of all holders—control less than 500 XRP each, emphasizing the dominance of smaller and retail-driven holdings in the ecosystem.

This concentration suggests that XRP remains highly accessible for retail investors, but also points to a fragmented holder base with limited influence on price movement individually. It also highlights the relatively low entry cost that is still available, although that window may be closing.

Diminishing access: 1,000 XRP becoming a psychological benchmark

As XRP prices gradually rise, analysts like Farina argue that accumulating 1,000 XRP or more may soon become unaffordable for the average investor, a phenomenon sometimes described as being "excluded" from the asset. This reflects trends seen in the early adoption of Bitcoin, where small holdings eventually became significant.