XRP’s Stark Reality: Top 10,000 Wallets Control 85% of Supply as Newcomers Rush In

The concentration of digital wealth is rewriting the rules of crypto ownership. A staggering 85% of all XRP sits in just 10,000 wallets, painting a picture of extreme consolidation even as the network sees a surge of fresh participants.

### The Whale's Domain

This isn't just a statistic—it's the architecture of the market. While decentralization is the industry's favorite buzzword, the cold, hard numbers tell a different story. A tiny fraction of addresses holds the overwhelming majority of the asset, creating a landscape where a few large moves can ripple across the entire ecosystem. It's the kind of concentration that would make a traditional fund manager blush, if they weren't too busy chasing the next hot IPO.

### The New Wave

Meanwhile, the base is expanding. Millions of new wallets are coming online, amassing holdings and signaling a broadening, if still nascent, distribution. This influx represents a critical tension: the established power of the few versus the growing footprint of the many. It's a dynamic that cuts to the core of what a decentralized financial system is supposed to be.

### What It Means for the Ledger

For XRP, this data isn't just a snapshot; it's a strategic map. High concentration can mean stability from large, long-term holders, or vulnerability to coordinated sell pressure. The simultaneous growth at the grassroots level suggests a battle for the network's future—one fought in wallet balances and transaction logs. The protocol doesn't care who owns the tokens, but the market's sentiment absolutely does.

So, while evangelists preach a future of democratized finance, the ledger often reveals a present that looks suspiciously like the old system, just with fancier keys. The real test won't be who holds the coins today, but whether that 85% figure starts to crack under the weight of millions of new believers.

XRP Struggles Near $2 Amid Weekly and Daily Losses

XRP has had some trouble lately, currently sitting at around $2.03 following a 7.18% loss in the last 24 hours and about 6% in the past week.

There is obviously still downward pressure on the currency as it has dropped below the mid-range level that it consolidated at for much of 2024 and 2025.

However, the ongoing long-term trend line from swing highs in the past remains strong resistance, and the Range Oscillator remains very negative at -129 points, indicating a lack of strength in buying power.

From the risk analysis in DDA Pro in relation to the XRP coin, the current condition indicates that it has been down at -29.35%, meaning it has low volatility and poor demand.

Having such a percentile ranked at about 89% indicates that it has been highly volatile when it is moving at a lower rate due to negative pressures.

RSI Signals Potential Stabilization, but Bears Remain Active

From technical analysis, it can be seen that XRP is in the process of correction after making such large movements in the past.

In this case, the RSI (14) is at 40.11, just above the oversold area, which means selling pressure still exists. The gap between the price and moving averages is still evident, which means that there is no reversal yet.

If it goes below 40, it may go lower, whereas above $2 and steady RSI may be signaling the start of the next accumulation phase as we head into 2026.