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On the surface, $XRP ownership appears broadly distributed. Wallet statistics show millions of addresses holding the asset. But a closer examination reveals a very different reality.
New data shared by an XRP Ledger validator, 24HrsCrypto, challenges the idea of mass ownership and redirects attention to where meaningful XRP supply actually resides. This distinction matters because raw wallet counts can be misleading. They mask concentration and shape unrealistic expectations about future demand. When ownership is narrow, market behavior changes.
👉 What the Wallet Data Reveals
The data breaks down wallet distribution by balance size. Millions of wallets hold between 0 and 20 $XRP , while another large segment holds less than 1,000 XRP. These addresses contribute little to real ownership analysis. They often represent dust balances, inactive wallets, or test accounts.
Once these are filtered out, the ownership picture tightens rapidly. Wallets holding between 1,000 and 500,000 XRP total roughly 1.2 million accounts. According to 24HrsCrypto, these represent “meaningful XRP holders.”
He added an important perspective: even assuming one wallet equals one person, this group accounts for just 0.0135% of the global population—roughly 1 out of every 7,395 people.
The widely quoted figure of more than 4 million XRP wallets is technically correct, but it lacks context. As 24HrsCrypto explained, the “4M XRP holders” narrative is inflated by millions of wallets holding between 0 and 1,000 XRP. In reality, meaningful XRP ownership remains rare.
👉 Concentration Changes the Narrative
The distribution charts also highlight where XRP supply is concentrated. Wallets holding between 10,000 and 100,000 XRP collectively control billions of tokens. Even higher tiers hold substantially more, despite having far fewer accounts. These large holders—often referred to as whales—regularly move billions of XRP within the ecosystem.
This structure points to ownership depth rather than breadth. XRP does not behave like an asset saturated with retail holders. Instead, it trades like one still in the process of building its holder base. That distinction has major implications for price behavior and liquidity during periods of rising demand.
👉 What Comes Next for XRP?
Narrow ownership creates opportunity. New participants do not need to displace existing holders; they only need to join a relatively small group. This dynamic favors expansion phases rather than saturation.
As infrastructure matures, access improves. Custodial solutions, institutional on-ramps, and clearer regulation continue to lower barriers to entry. Each improvement expands the potential holder base without diluting existing supply concentration.
The data suggests XRP supply is already positioned. Large balances sit across defined tiers, often idle. If demand accelerates, supply does not need to be redistributed across millions of wallets—it can move through far fewer hands. This structure supports stability during accumulation phases and allows for sharp upward repricing when conviction strengthens.

O espaço das criptomoedas está mais uma vez agitado com debates sobre se outro processo poderia ser movido contra a Ripple. A discussão renovada começou após os democratas da Câmara enviarem uma carta com palavras contundentes ao presidente da Comissão de Valores Mobiliários dos EUA, Paul Atkins.
Bill Morgan Explica Por Que a SEC Não Pode Reabrir o Caso Ripple
Em sua carta, os legisladores criticaram Atkins por deixar de lado vários casos de criptomoeda de alto perfil, incluindo o que envolve a Ripple. Segundo os democratas da Câmara, um total de 12 casos de criptomoeda foram arquivados porque as entidades afetadas supostamente fizeram contribuições políticas a indivíduos com influência significativa.

Crypto analyst JackTheRippler (@RippleXrpie) says the long-running debate around $XRP is essentially finished.

In his view, XRP’s role within the U.S. financial system is already settled — and the strongest evidence comes directly from the words of Donald Trump himself.
🏛️ The Trump Speech That Shifted the Narrative
On July 19, 2025, President Donald Trump addressed an event connected to the passage of the GENIUS Act. His remarks sent immediate ripples through the crypto space.
Trump acknowledged a reality rarely stated so openly by U.S. leaders:
“The technical backbone of the U.S. financial system is decades out of date.”
He went further, criticizing today’s payment and transfer systems as slow, costly, and inefficient — often taking days or even weeks to settle, something he described as unacceptable for a modern economy.
Then came the statement that truly stood out:
“Under this bill, the entire ancient system will be eligible for a 21st-century upgrade using state-of-the-art crypto technology.”
Just a few years ago, such language from a sitting U.S. president would have sounded unimaginable.
🔗 Why XRP Matches This Vision
This is where JackTheRippler draws the connection.

For years, Ripple has focused on fixing the same core problems Trump described:
Slow settlement timesHigh transaction feesObsolete banking infrastructure
XRP was designed specifically to address these issues.

Ripple’s CEO, Brad Garlinghouse, has repeatedly labeled the existing global payment system as broken — a stance that closely mirrors Trump’s own comments.
⏰ Why the Timing Raises Eyebrows
According to JackTheRippler, the sequence of events is especially telling:
Trump met with Ripple executives just days before the speechSoon after, he publicly promoted crypto-driven financial infrastructureAround the same time, XRP recorded an all-time high of $3.65
To him, this alignment isn’t random. He believes the meeting helped shape insights that later appeared — subtly but deliberately — in Trump’s public remarks.
🧠 “XRP Is Already Locked In”
When JackTheRippler calls XRP “a done deal,” he means more than speculation. In his view:
The course of U.S. financial reform is already definedThat course closely aligns with Ripple’s technologyXRP could serve as a foundational layer for next-generation payment systems
🚀 If Trump’s vision ultimately becomes official policy, XRP won’t be trying to gain adoption — it will simply be waiting for formal confirmation.
$XRP
#bitcoin #Xrp🔥🔥 #btc