XRP Whale and Retail Wallets Have Accumulated $1B+ in XRP Since 2026 Started

XRP whale and retail addresses have embarked on an accumulation spree, gulping over $1 billion worth of XRP since the year began.

While most XRP address tiers have increased their balances in 2026, the accumulation trend appears more pronounced with certain whale and retail addresses. Specifically, retail wallets holding 0.01 to 0.1 XRP and whale wallets holding between 10 million and 1 billion XRP have procured the largest amount of XRP tokens.

These addresses have amassed over 570 million XRP tokens, worth around $1.14 billion at current prices, since 2026 began. Interestingly, the tier of address holding between 0.01 and 0.1 XRP, which represents the retail class, contributed the most to this figure, having procured 260 million XRP worth over $520 million.

Key Data Points

• Most XRP address tiers have continued to increase their holdings since 2026 began.
• Retail wallets holding 0.01 to 0.1 XRP and whale wallets holding 10 million to 1 billion XRP have led this campaign, having procured $1.14 billion in 2026.
• The retail address tier with balances ranging from 0.01 to 0.1 XRP has contributed the most, with $520 million.
• This trend comes as XRP recovers the $2 price region amid a broader market rebound push this year.

XRP Whale and Retail Wallet Balances at Start of 2026

Data from Santiment confirms this accumulation campaign, which intensified earlier this year, as XRP recovered by nearly 31% from its opening price. For context, at the start of the year, the retail (0.01 to 0.1 XRP) and whale (10 million to 1 billion XRP) addresses in question cumulatively held 27.06 billion XRP.

Of this total, the retail wallets with balances ranging from 0.01 to 0.1 XRP held 7.95 billion XRP. Meanwhile, those with 10 million to 100 million XRP had a cumulative balance of 10.98 billion, while the addresses holding between 100 million and 1 billion XRP had 8.13 billion XRP as their balance.

Retail Contributed the Most to the $1.14B Accumulation 

Interestingly, while all their balances have increased since then, the retail addresses saw the largest spike. Specifically, the whales with 10 million to 100 million XRP now have a balance of 11.17 billion tokens, representing an increase of 190 million XRP. Those with 100 million to 1 billion tokens have seen their balance rise by 120 million XRP to 8.25 billion XRP.

At the same time, retail wallets with 0.01 to 0.1 XRP now hold a balance of 8.21 billion XRP, marking an increase of 260 million XRP or $520 million since the start of the year. This is expected, as retail investors tend to respond better to rapid price surges such as what XRP recorded from Jan. 1 to 6. Together, all addresses in question now hold 27.63 billion XRP, representing an increase of 570 million XRP ($1.14 billion) from their initial balance.