Crypto commentator Cool Breeze is drawing fresh attention to an eye-catching Bank for International Settlements (BIS) report — one that ranks XRP holders among the most educated and wealthiest in the crypto space.
In an X post, Cool Breeze highlighted findings from the BIS study (published in 2021) that placed XRP and Ethereum holders at the top of the education ranking for crypto investors. By contrast, Litecoin (LTC) holders were ranked as the least educated, with Bitcoin owners falling in the middle. The report also found that crypto investors generally have higher-than-average household incomes, singling out Ethereum, Stellar and XRP holders as the wealthiest groups.
The BIS researchers cautioned that their data reflects the 2021 landscape, so demographics may have shifted since. One notable insight in the report: holding crypto appears sticky — owning a crypto asset in one year increased the probability of still owning crypto the next year by about 50%. That tendency toward long-term holding helps explain the profile of certain communities, including the so-called “XRP Army,” known for weathering market turbulence and regulatory drama.
XRP’s dedicated holder base was highlighted during Ripple’s multi-year legal battle with the U.S. SEC. Pro-XRP attorney John Deaton and community members filed an amicus brief in support of Ripple’s position that XRP is not a security — a stance that ultimately received a favorable ruling in court. Supporters say the holders’ persistence during the lawsuit helped underpin Ripple’s case.
On-chain metrics back a narrative of growing XRPL adoption. Analytics firm Santiment reports the XRP Ledger recently surpassed 7.7 million holders for the first time since launch, and active addresses hit a five-week high of 46,767 as XRP’s price surged roughly 14% and topped $1.60 during the rally. That pickup in users comes amid increased interest in tokenizing real-world assets on XRPL.
Not all commentary has been positive. Chainlink community member Zach Rynes — known online as “Chainlink God” — recently dismissed XRPL as a “ghost chain,” prompting Cool Breeze to urge XRP holders not to be swayed by what he called a “hate campaign.” Cool Breeze also argued that XRP has outperformed Chainlink when measured against Bitcoin over recent periods.
At the time of reporting, CoinMarketCap shows XRP pulled back over the past 24 hours. As always, readers should note that market conditions and demographic data evolve rapidly, and the BIS findings reflect a snapshot from 2021 rather than today’s exact state of play.
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