220% Boom in 10,000 XRP Holders — WisdomTree Calls It Institutional

XRP Holdings See Massive Growth

Cryptocurrency adoption continues to gain momentum, and XRP is emerging as a standout performer. According to market analyst MattMax, wallets holding 10,000 XRP have surged over 220% in the last five years, signaling growing confidence among mid-tier investors.

The analyst added that the largest holders, those controlling more than 100,000 XRP, have not been left out because their positions rose by 120% over the same period.

While institutional demand grabs headlines, the surge in XRP wallets highlights growing retail and mid-sized investor participation, as analysts note these holders are positioning for XRP’s expanding role in cross-border payments and corporate blockchain solutions.

MattMax highlights that XRP wallet growth is driven by more than speculation. Widespread adoption by payment providers and financial institutions has cemented its credibility, positioning XRP as a key bridge currency and prompting both accumulation and long-term holding.

Data shows mid-tier wallets holding 10,000 XRP have outpaced whales in growth, signaling that retail investors have become more agile since they are actively expanding their positions. This broader participation may strengthen market health and reduce volatility risks.

Meanwhile, a single whale recently snapped up 19M XRP worth a whopping $61M on Upbit, sending traders scrambling to monitor order books and on-chain activity.

WisdomTree Calls XRP a “Tactical Onshore Play” — A New Institutional Bet

Crypto observer SMQKE has reported that WisdomTree has identified XRP as a ”tactical onshore play” for institutional portfolios. This strategic assessment underscores XRP's growing appeal among sophisticated investors seeking diversification and exposure to the evolving digital asset landscape.

WisdomTree’s endorsement reflects XRP’s standout performance, including a 384% annual gain in July 2025, outpacing Bitcoin and Ethereum. 

Institutional demand drove the surge, with $946M inflows into European physical ETPs and $129M into U.S. synthetic ETFs, surpassing Ether and Solana.

XRP’s utility as a payment solution boosts its institutional appeal. Designed for cross-border transactions, it settles in 3–5 seconds using a sustainable Proof-of-Association mechanism, making it a practical alternative to traditional finance.

WisdomTree’s move underscores a growing trend among asset managers embracing digital assets. The launch of its Physical XRP ETP in Europe and the SEC filing for a spot XRP ETF reinforce XRP’s credibility as a mainstream investment.

Conclusion

XRP’s strong performance, practical utility, and institutional support cement its role as a strategic asset. As digital finance evolves, its position as a 'tactical onshore play' is set to draw growing institutional interest.

Meanwhile, wallets holding 10,000 XRP have surged 220% over five years, while the largest holders with more than 100,000 XRP grew by 120%. This on-chain momentum points to a structural shift in XRP accumulation, potentially reshaping liquidity, price dynamics, and the narrative of who drives demand.