Right now, all that’s left in Coinbase’s XRP wallets might be mostly XRP held by retail traders. XRPwallets also speculated that other major exchanges, such as Uphold, Binance, and Upbit, could eventually show similar balances, around 200 million XRP each, once Ripple’s distributions move through the system. By their estimates, this would leave about 1 billion XRP across exchanges and another 900 million resting in retail cold wallets.