Ordinary investors, not crypto companies or institutional investors, own most of the world’s Bitcoin (CRYPTO: BTC). Individuals hold about 14 million BTC, or approximately two-thirds of the 21 million BTC that will ever exist, according to River’s Bitcoin adoption report for 2026. (River was founded in 2019 to “build the Bitcoin bank of the world.”)

The distribution of the coin’s supply has been on my mind for years now. But I’ve only understood very recently that other people’s misconceptions about who holds the most of it represent a significant buying opportunity. Let’s walk through the logic here.

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