XRP Holders More Educated Than Bitcoiners? Bank Of International Settlements Report Shares Revelation

bitcoinistPublished on 2026-03-18Last updated on 2026-03-18

Abstract

A Bank of International Settlements (BIS) report from 2021, as highlighted by crypto analyst Cool Breeze, suggests that XRP holders are more educated and wealthier than the average cryptocurrency investor. The report ranked XRP and Ethereum holders as the most educated, while Litecoin holders were considered the least educated, with Bitcoin investors falling in the middle. It also noted that crypto holders generally have higher household incomes, with Ethereum, Stellar, and XRP investors being the wealthiest. The report emphasized that long-term ownership plays a key role in these findings, and XRP holders, in particular, have shown strong loyalty—even during Ripple’s lengthy legal battle with the SEC. Recent on-chain data from Santiment shows that the number of XRP holders has grown to over 7.7 million, a record high since the network’s launch. The XRP Ledger also saw a spike in activity, with active addresses reaching a five-week high. Despite criticism from some community members, XRP’s performance has remained relatively strong. At the time of writing, XRP is trading around $1.52.

Crypto pundit Cool Breeze has drawn attention to a Bank of International Settlements (BIS) report that praised XRP holders as being more educated than Bitcoiners. The report also highlighted these XRP holders as being wealthier than the average crypto holders.

XRP Holders Said To Be More Educated Than Bitcoiners

In an X post, Cool Breeze highlighted the BIS report, which claimed that XRP holders were more educated than Bitcoiners. Specifically, the report ranked XRP and Ethereum as the most educated among crypto holders. In contrast, LTC holders were said to be the least educated, with Bitcoin owners ranking in the middle.

Furthermore, the report noted that crypto holders have higher-than-average household incomes, with Ethereum, Stellar, and XRP holders said to be the wealthiest. It is worth noting that this report was released in 2021, and so, the research findings may be different this time around. The report suggested that long-term crypto ownership played a key role in reaching some of these findings.

Source: Chart from Cool Breeze on X

The BIS report estimated that owning a crypto in one year increases the probability, on average, of owning a crypto in the following year by 50%. Notably, XRP holders, famously known as the ‘XRP Army,’ have gained a reputation for their long-term belief in the altcoin. These crypto holders held their tokens even during the SEC’s multi-year lawsuit against Ripple, which negatively impacted the XRP price.

Pro-XRP lawyer John Deaton had notably praised these XRP holders for playing a key role in Ripple’s case against the SEC. These holders, alongside Deaton, had filed an amicus brief in which they provided the court with information in favour of Ripple explaining why XRP wasn’t a security, as the SEC alleged. The court eventually ruled that XRP wasn’t a security.

XRP Holders Are On The Rise

On-chain analytics platform Santiment revealed that XRP holders are on the rise, with the XRP Ledger (XRPL) now having more than 7.7 million holders for the first time since its launch. This comes as the network’s usage continues to grow, especially with more real-world assets being tokenized.

The XRP Ledger also reached a 5-week high of 46,767 active addresses earlier this week, as the XRP price spiked 14% and climbed above $1.60. Interestingly, this feat for the XRPL comes just as Chainlink community member Zach Rynes (Chainlink God) described the network as a ‘ghost chain.’

Commenting on this, Cool Breeze urged XRP holders not to fall for the ‘hate campaign’ by Link God, claiming that they simply wanted to shake them out. The pundit further highlighted how XRP has performed better against Bitcoin than Chainlink has against the leading crypto.

At the time of writing, the XRP price is trading at around $.152, down in the last 24 hours, according to data from CoinMarketCap.

XRP trading at $1.52 on the 1D chart | Source: XRPUSDT on Tradingview.com

Related Questions

QAccording to the BIS report mentioned in the article, which cryptocurrency holders were ranked as the most educated?

AThe BIS report ranked XRP and Ethereum holders as the most educated among crypto holders.

QWhat did the BIS report say about the household income of crypto holders compared to the average?

AThe report noted that crypto holders have higher-than-average household incomes, with Ethereum, Stellar, and XRP holders being the wealthiest.

QWhat key role did long-term crypto ownership play in the findings of the BIS report?

AThe report suggested that long-term crypto ownership played a key role in its findings, estimating that owning a crypto in one year increases the probability of owning a crypto in the following year by 50% on average.

QHow many holders does the XRP Ledger (XRPL) now have, as revealed by Santiment?

AThe XRP Ledger now has more than 7.7 million holders for the first time since its launch.

QWhat was the court's decision regarding the SEC's allegation that XRP was a security?

AThe court eventually ruled that XRP was not a security.

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