Only 1 in 5,000 People Globally Hold XRP: Expert Insists You Are Still Early

A prominent XRP community commentator calls attention to XRP’s future potential, insisting current investors are still early.

Despite XRP’s recent struggles, sentiment within its core community remains bullish. The asset has seen a sharp 33% drop from its yearly high of $3.30 recorded in January 2025, currently trading around $2.20. 

However, it still maintains a year-to-date gain of 6%, demonstrating resilience amid a broader market downturn. Amid the current market conditions, experts and prominent community voices argue that XRP is far from reaching its full potential.

XRP Still in Early Growth Phase

Edoardo Farina, founder of Alpha Lions Academy, is one of the voices championing the asset’s long-term outlook. Farina has consistently pushed the narrative that XRP is in its early growth phase, despite being over a decade old. 

In a recent analysis of XRP wallet data, he suggested that the majority of the global population has yet to engage with the token in any meaningful way.

Farina revealed that while there are about 6.4 million XRP wallets, this number does not directly translate to 6.4 million individual holders. 

Only 1 in 5,000 People Globally Hold XRP

Essentially, many users, including himself, own multiple wallets. According to Farina’s disclosure, he personally holds between 20 to 25 XRP wallet addresses. This is part of a diversification and self-custody strategy that most experienced holders commonly practice.

Based on his analysis with aid from AI estimations, Farina asserts that only about 1.5 to 2 million people worldwide actively hold XRP. When he filtered this further to exclude inactive, dust-filled, or custodial exchange wallets, the number of unique holders dropped even lower. 

Notably, he estimates that the true number could be closer to 1 million global holders. Considering the global population of over 8 billion, this would mean that only about 0.018% to 0.025% of people, roughly one in every 4,000 to 5,000, currently own XRP.

The figures indicate what Farina describes as an extraordinary opportunity. According to him, many investors fail to grasp just how early they are in XRP’s adoption lifecycle. Importantly, Farina emphasized that even with its long existence, XRP remains significantly underheld on a global scale.

Farina Wants Investors to Consolidate Their XRP Holdings

Citing further on-chain data, Farina pointed out that 2.6 million wallets contain up to 20 XRP each, barely meeting the network’s minimum reserve requirement. Another 2.5 million wallets hold between 20 and 500 XRP, with an average estimate of around 250 XRP per wallet. 

If XRP’s price ever hit $1,000, a speculative but commonly discussed scenario, holders in this bracket could be looking at gains of $250,000. Still, Farina argues that the number of individuals who will hold long enough to reach such levels is likely very small, possibly only 10% of current holders.

He also highlighted that to be among the top 10% of XRP wallet addresses today, an investor would only need to own about 2,500 XRP. At current market prices, this equates to approximately $5,000. 

Notably, he believes this shows how early adopters still have a chance to position themselves before potential mass adoption occurs. Farina has consistently advocated for this accumulation culture, repeatedly calling on investors to hold at least 10,000 XRP tokens.

According to his latest disclosure, institutional adoption and use cases such as lending XRP to financial entities are still in their infancy. He urged investors to develop long-term strategies and stay committed, especially as mainstream participation remains limited.