XRP Millionaire Wallets Rise for the First Time in Four Months

XRP is showing a subtle but important on-chain shift as large holders quietly return. 

While price action remains relatively muted, wallet data suggests confidence among long-term investors may be rebuilding.

According to Santiment, the number of XRP wallets holding at least 1 million tokens has started to rise again for the first time since September.

Key Points

• XRP millionaire wallets are rising again for the first time in four months, Santiment data shows.
• Large holders are accumulating despite XRP being down about 4% since 2026 began.
• The trend suggests quiet confidence as investors position during price consolidation.
• On-chain data hints at a potential rebound even as XRP price remains muted.

Millionaire XRP Wallets Finally Reverse the Downtrend

Santiment data shows that XRP “millionaire” wallets declined steadily between early October and the end of December, with roughly 784 large holders exiting during that period.

However, that trend has now changed.

Since January 1, a net of 42 new wallets holding 1 million XRP or more have been added back to the ledger. This marks the first sustained increase in four months and suggests that high-balance investors are slowly returning.

Historically, changes in large wallet counts are closely watched because they often reflect long-term positioning rather than short-term trading.

Price Weakness Fails to Scare Long-Term Holders

Despite this accumulation trend, XRP’s price performance has been modest. Santiment notes that XRP is down around 4% since the start of 2026, indicating that the renewed growth in large wallets is not driven by price hype.

This divergence between price and on-chain accumulation is often interpreted as a sign of quiet confidence. Instead of chasing momentum, larger holders appear to be positioning during consolidation.

Why This Metric Matters for XRP

Millionaire wallets are typically associated with institutions, funds, early adopters, or high-conviction investors.

According to the XRP Rich List, 1,995 wallets hold between 500,000 and 1 million XRP, with a collective balance of 2.69 billion XRP. Meanwhile, 1,359 addresses hold between 1 million and 5 million XRP.

Collectively, the XRP millionaire tier (1 million to 1 billion XRP holdings) comprises 2,021 wallets out of approximately 7.55 million XRP holders, representing less than 0.1% of all addresses.

As their numbers grow during periods of sideways or weak price action, it can imply expectations of future market developments rather than immediate gains.

While this data does not guarantee a price breakout, it strengthens the long-term narrative around XRP, especially as discussions around regulation, infrastructure, and institutional use cases continue.

Earlier Whale Accumulation

Earlier this month, Santiment data showed that XRP whale and retail wallets accumulated over $1.14 billion worth of XRP since the start of 2026. Most address tiers increased their holdings, but accumulation was strongest among retail wallets holding 0.01–0.1 XRP and whale wallets holding between 10 million and 1 billion XRP.

Together, these groups added about 570 million XRP, lifting their combined balance from 27.06 billion to 27.63 billion XRP.

Retail wallets led the surge, accumulating 260 million XRP worth roughly $520 million, while whale addresses added a combined 310 million XRP.

The accumulation accelerated as XRP rebounded nearly 31% this year and reclaimed the $2 price zone. However, XRP has since lost all of those gains.

With the renewed trend in millionaire wallets, it suggests a rebound could be on the horizon. For now, XRP’s price remains calm, but wallet data hints that confidence is quietly rebuilding.