Here’s Average XRP Held Per Wallet

A recent update on XRP wallet distribution highlighted an average balance of 12,350.86 XRP per account. At first glance, this figure may suggest that typical holders maintain substantial positions.

However, averages in heavily skewed datasets, such as cryptocurrency distributions, can be misleading without a broader context. The data underpinning this figure spans nearly 4.7 million XRP addresses, with a total of over 58 billion tokens accounted for.

Concentration Among Large Holders

The upper end of the distribution reveals the primary reason behind the elevated average. Only five accounts hold at least 1 billion XRP, representing over 7.4 billion XRP collectively.

Just 22 accounts in the 500 million to 1 billion range control more than 12 billion XRP, and another 58 accounts with balances between 100 million and 500 million XRP hold over 12.25 billion XRP. These few wallets alone are responsible for a significant share of the total supply, disproportionately lifting the overall mean.

Mid-range wallets remain sizable, but there are far fewer than those at the bottom of the distribution. For instance, 131 accounts holding 20 million to 100 million XRP collectively control over 5.19 billion XRP, while 168 accounts holding 5 million to 10 million XRP hold around 1.14 billion XRP. These levels remain substantial relative to the broader holder base.

The Reality for Most Wallets

In contrast, the vast majority of XRP addresses hold far smaller balances. Over 2.38 million addresses fall between 20 and 500 XRP, with a combined total of roughly 176.7 million XRP.

More than 1.3 million accounts hold between 0 and 20 XRP, amounting to only 16.6 million XRP in all. When combined, over 3.7 million wallets sit below 500 XRP, reflecting holdings that are not close to the mean figure highlighted earlier.

This extreme concentration at the top and dispersion at the bottom shows why relying solely on an average creates a distorted view of the typical XRP holder.

Median Perspective and Statistical Context

In response to the discussion, some observers rightly pointed out that median values offer a clearer sense of what most holders possess. While the precise median cannot be calculated without individual wallet data, the midpoint of all accounts falls within the 20–500 XRP range, placing a more realistic central position near a few hundred XRP. An estimate places the median around 300 XRP, showing a stark contrast to the 12,350 XRP.

The dataset reinforces a key analytical principle: large holders have an excessive impact on aggregate metrics. For those assessing distribution, adoption, or holder behavior, measures like the median or distribution bands provide a far more accurate reflection of the broader XRP community than averages alone.