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Just looked at the latest XRP wallet distribution breakdown and the numbers are pretty interesting. So there are actually around 7.8 million XRP wallet addresses out there, but here's the thing - the average holding per wallet sits at about 12,350 XRP, which at current prices ($1.38) is roughly $17k per wallet. Sounds high right? That's because of whale concentration. The data shows over 1.3 million wallets hold 20 XRP or less, while 2.3 million hold between 20-500 XRP. Only 5 wallets have over 1 billion XRP each. So when people ask how many XRP wallets exist, the answer is millions, but most retail holders have way less than the average. The top tier whales are really skewing those numbers. Makes you wonder about actual retail participation versus institutional holdings in this ecosystem.