- A leading researcher warns that not holding XRP now could mean missing out on massive future gains, as whale wallets hit record highs.
- With only 0.0032% of adults holding significant amounts of XRP, experts say the adoption phase is still early.
As XRP adoption continues to pick up steam, one market researcher has issued a bold warning: the worst place to be right now is without XRP in your portfolio.

This sentiment stems from a recent spike in wallet activity and renewed optimism around the altcoin’s long-term potential. Over the past week, XRP has struggled to reclaim the $2.2 mark after four days of consecutive losses between May 2 and 5. Despite a slight rebound on May 6, the token remains in a volatile range, toggling between support and resistance.
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Still, some investors see this as a golden opportunity. On-chain data from Glassnode, shared by The Crypto Basic, shows that wallets holding at least 10,000 XRP have surged past 300,000 — a new all-time high. This uptick in whale accumulation has not gone unnoticed. Prominent community figure and software engineer Chad Steingraber emphasized the importance of this trend, suggesting that a growing number of large holders could be a bullish signal for XRP’s future price.
Backing this narrative, writer and researcher Rob Cunningham conducted an AI-driven analysis of the trend. He estimated that many of the 300,000 wallets could belong to the same individuals, putting the actual number of significant holders closer to 200,000. That figure represents just 0.0032% of the global adult population — a number Cunningham sees as evidence that XRP remains in its early adoption phase.
“This is an incredibly small slice of people with serious XRP holdings,” Cunningham noted. “The upside potential is still massive, and missing out now could be a regrettable mistake down the road.”
His research echoes a growing sentiment in the XRP community: the time to accumulate is now. Analysts like Cryptominder are predicting XRP could surge to $50 by 2030 — a massive 2,247% increase from its current price of $2.14. Some bullish projections even target the $100 milestone.