The number of XRP wallets holding at least 1 million coins has increased in the first half of 2026, reflecting a trend towards continued accumulation among larger investors.

Understanding the Growth

On July 8, 2026, data from the XRP Rich List indicated that there were 2,018 accounts with 1 million XRP or more, up from 1,997 on January 18, 2026. This represents a gain of 21 millionaire wallets over the six-month period, translating to approximately 1.05% growth in this category.

  • July 2026: 2,018 millionaire addresses
  • January 2026: 1,997 millionaire addresses
  • Mid-tier whales (20-100 million XRP) rose from 234 to 247 accounts
  • Bigger holders between 1-5 million XRP increased from 1,333 to 1,347 wallets

Notably, the increase appears to have come primarily from mid-sized wallets rather than the largest holders, as the higher-end brackets showed little to no growth. Accounts holding over 1 billion XRP remained unchanged at six, while those in the 500 million to 1 billion bracket fell from 19 to 18.

Market Trends and Price Implications

XRP's relatively stable price during the first half of 2026, fluctuating between $1.50 and $2, may have impacted the creation of new millionaire accounts. As of now, accumulating 1 million XRP requires an investment of roughly $1.5 million to $2 million, which could deter some investors. During this period, XRP underwent a phase of consolidation within the broader cryptocurrency market.

Despite these conditions, accumulation patterns suggest that larger investors are still confident in the asset's future. The total number of millionaire wallets increased as growth in the mid-sized segments compensated for declines in some higher balance categories.

Future Outlook

As of the latest data, XRP is trading at $1.08, marking a 4% decrease over the last 24 hours. It is crucial for investors to monitor its price action as it tries to maintain support above the $1 level. Current indicators suggest that XRP is trading below its 50-day and 200-day simple moving averages, which may signal further challenges ahead.

Disclaimer: This material is for informational purposes only and is not financial advice.