XRP Rich List Update: 2,200 XRP Now Enough to Enter Top 10% of Wallets

The latest XRP rich list update shows a noticeable shift in token distribution. Investors now need just over 2,200 XRP to enter the top 10% of all XRP wallets worldwide.

This suggests that retail participation is expanding. More small investors are entering the XRP ecosystem. However, large holders continue to control a significant portion of the supply, meaning distribution remains concentrated at the top.

Wallet growth alone does not confirm a major institutional shift. It mainly shows broader participation.

Institutional Positioning vs Retail Uncertainty

Current market conditions show mixed sentiment. Retail investors remain cautious amid price volatility. At the same time, broader crypto ETF inflows and institutional adoption trends indicate that larger players are increasing exposure during market pullbacks.

This pattern has appeared in previous market cycles. Retail fear often peaks near cycle lows, while long-term investors quietly accumulate assets.

If XRP were to decouple from Bitcoin’s price movements in the future, analysts believe accumulation during uncertainty could play a key role.

Ripple’s Long-Term Infrastructure Strategy

According to recent comments from Brad Garlinghouse, XRP’s growth will not happen overnight. Instead, it will depend on steady infrastructure development.

Ripple has spent years building partnerships, expanding regulatory engagement, and improving the XRP Ledger. Ongoing upgrades focus on liquidity improvements, cross-border payments, tokenization, and real-world use cases.

Supporters argue that this long-term strategy could strengthen XRP fundamentals beyond short-term price speculation.

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