Only 1 in 8,000 People Hold XRP:  Is It Too Late to Join?

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XRP, one of the most talked-about cryptocurrencies in the market, has long carried a reputation as a project with a loyal community. Despite years of discussions around its potential to revolutionize cross-border payments, the actual number of people holding XRP remains surprisingly low. According to the latest analysis by Cheeky Crypto, only around 1 to 2 million people globally actively hold XRP — out of a world population of over 8 billion. That means, at best, just one in every 4,000 to 8,000 people owns this digital asset.

This rarity has led some to call it one of crypto’s most exclusive clubs. To put it into perspective, imagine sitting in a crowded stadium filled with 16,000 people. Statistically, only two people in that arena would be XRP holders. Despite the constant buzz in crypto circles, ownership numbers suggest that most of the world is still watching from the sidelines.

A Market Full of Ups and Downs

Like much of the crypto market, XRP’s price journey has been anything but smooth. Earlier this year, XRP reached a high of $3.30 before facing a 33% pullback, currently trading around $2.20. While the drop has made some investors uneasy, it’s important to note that XRP is still up 6% year-to-date — outperforming many traditional stocks that struggled during the same period.

Market cycles in crypto are known for their volatility, and XRP has shown resilience in past downturns.

Is It Too Late to Join?

With XRP’s total supply capped and regulatory clarity slowly improving, many believe there’s still time to be part of its story. The exclusivity isn’t because XRP is impossible to get — it’s because most of the world hasn’t fully embraced cryptocurrency yet. As adoption increases and digital finance continues to evolve, the number of XRP holders is likely to rise.

Currently, XRP’s network data reveals that millions of wallets exist, but a significant portion of those hold only the 20 XRP minimum required to activate an account on the XRP Ledger. This leaves a relatively small group of active, long-term holders controlling larger amounts of the supply.