Kamilah Stevenson, the host of a popular wealth-focused YouTube show, argues that XRP’s largest token holders have accumulated aggressively while the token’s price weakened after its July peak. Citing on-chain wallet and exchange-flow figures, she says the cohort added roughly 4.63 billion XRP during the decline, an amount she values at about $4.9 billion.
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The central claim matters because the buying, if the underlying data is accurate, suggests that larger XRP holders were increasing exposure while retail participation faded. Stevenson repeatedly cautions that the activity is not itself a price prediction.
Large-Wallet Balances Rose From 7.5 Billion To 12.13 Billion XRP
According to Stevenson, the relevant large-holder cohort initially sold into XRP’s rally, with its balance falling to about 7.5 billion XRP by mid-August. That changed as the market continued to fall: the balance reportedly climbed to around 11.8 billion XRP by December, paused for roughly three months, and then resumed rising in March.
She puts the current balance at approximately 12.13 billion XRP. “They did not buy the top and hold,” Stevenson says, describing a pattern of purchases made throughout the downturn rather than a single entry near the market peak.
Her interpretation is that the largest wallets have been absorbing supply from mid-sized participants. Wallets holding between 10 million and 100 million XRP were described as steady accumulators, while holders with between 100,000 and 10 million XRP were said to be distributing.
Exchange Outflows & Wallet Growth Point To Tighter Held Supply
Kamilah Stevenson says Binance outflow dominance recently reached 91.4%, while retail activity across major exchanges fell about 8.4%. She also claims large holders accounted for roughly 90.5% of exchange flows, framing the figure as evidence that bigger wallets were withdrawing coins into self-custody rather than depositing them for sale.
The YouTube episode cites a record of more than 332,000 wallets holding at least 10,000 XRP. At the same time, new wallet creation reportedly dropped to its lowest level since November 2024, indicating limited new-user demand even as established holders repositioned.
Stevenson compares the setup with similar exchange readings seen before XRP advances in October 2024 and June of the prior year, but acknowledges that such signals have not always produced an immediate rally. “Large holders can be early,” she says.
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