Who rules XRP? Rich List reveals challenges for retail investors

Jakarta, Pintu News – Discussions about the distribution of Ripple (XRP) holdings have resurfaced on social media, with a graph showing how much dominance large holders have over the total supply. This has raised concerns that small investors may be getting squeezed out due to the significant rise in the price of XRP.

XRP Holdings: A Polarity

Recent data shows that most Ripple (XRP) wallets only have a very small amount. More than 6 million wallets have 500 XRP or less. Meanwhile, only a handful of wallets have millions or even billions of XRP, yet they control a large percentage of the total supply.

This has raised concerns among retail investors who find it difficult to compete for asset accumulation. The question that arises is whether the rising price of XRP has made it difficult for small investors to increase their holdings.

Also read: Bitcoin Outperformed Gold and Silver in the Last Decade: Latest Analysis

Rising XRP Price

An analyst highlighted that the ever-increasing price of Ripple (XRP) is making accumulation more difficult for small investors. The price to buy 1,000 XRP is currently around $1,750, a drastic increase from around $500 just over a year ago.

This price hike has indirectly created barriers for small investors looking to increase their holdings or even just start investing in Ripple (XRP). This begs the question, is the Ripple (XRP) market starting to become exclusive to large holders only?

Different Views on XRP Supply

While there are concerns about small investors being squeezed out, not everyone agrees with this view. One community member emphasized that there are still nearly 16 billion XRP sitting on exchanges, ready to be traded.

Also read: Bitcoin (BTC) Price Still Needs a 6.24% Increase to End 2025 in the Green Zone!

The fact that Ripple (XRP) transactions can be settled within seconds allows holders to move their tokens to exchanges quickly if they wish to sell. This shows that the supply of Ripple (XRP) in the market is still quite liquid and dynamic.

Bitcoin Still Dominant

Bill Morgan, a crypto lawyer, also gave his views rejecting the theory that Ripple (XRP) price movements are affected by supply shocks. He is more inclined to see Bitcoin (BTC) price movements as the main factor affecting the overall crypto market, including Ripple (XRP).

According to Morgan, when Bitcoin (BTC) prices rise or fall, the rest of the crypto market, including Ripple (XRP), usually follows suit. This suggests that while Ripple (XRP) holdings may be concentrated, external factors such as Bitcoin (BTC) price movements still have a greater influence.

Conclusion

The polarity in the distribution of Ripple (XRP) ownership does raise some serious questions about accessibility and equality in the crypto market. While there are concerns that small investors may start to get squeezed out, the market still exhibits dynamics that allow for rapid changes. External factors such as Bitcoin (BTC) also continue to play a significant role in determining the price dynamics of Ripple (XRP).

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*Disclaimer

This content aims to enrich readers’ information. Pintu collects this information from various relevant sources and is not influenced by outside parties. Note that an asset’s past performance does not determine its projected future performance. Trading crypto carries high risk and volatility, always do your own research and use cold hard cash before investing. All activities of buying and selling bitcoin and other crypto asset investments are the responsibility of the reader.

Reference

• Coinpedia. XRP Rich List Revealed: Are Retail Investors Being Priced Out?. Accessed on December 30, 2025
• Featured Image: U Today