Ripple's XRP ownership is highly concentrated, with only 330,000 people holding over 10,000 XRP among a global population of 8 billion. Wallet data reveals that as balances increase, wallet numbers decrease significantly, highlighting the rarity of large holdings. Owning 10,000 XRP, while not making one a whale, places holders in a unique position as fewer than 4% of wallets reach that threshold, emphasizing the limited ownership landscape in the XRP network.