If XRP reaches $10, a new wave of millionaires could come not only from wallets holding large whale positions, but also from retail investors who accumulated steadily during periods of price downturns. Latest data shows that wallets holding approximately 2,232 XRP can enter the top 10% of holders, while holding approximately 46,400 XRP can rank in the top 1%. At an XRP price of $10, these two figures would translate to approximately $22,320 and $464,000 respectively. The potential millionaire cohort includes early investors, existing whales, and addresses that have been accumulating significant amounts of XRP. Santiment notes that since early 2026, the number of addresses holding at least 1 million XRP has increased by 42.

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Bitcoin and Ethereum ETFs are experiencing significant net outflows, with spot BTC funds flowing out $52 million and ETH funds flowing out $42 million, despite their prices maintaining around $70,000 and $3,600 respectively. This indicates that institutional investors are reducing their positions. In contrast, XRP recorded rare net inflows of nearly $2 million, suggesting selective accumulation. Overall market sentiment remains fragile, with the Fear and Greed Index in the "fear" zone, presaging a potential distribution phase.