The undisputed XRP wealthy checklist
Ripple Labs is by far the biggest XRP (XRP) proprietor, controlling round 42% of the full 100 billion provide. That is unsurprising, as it’s the firm that developed the XRP Ledger and created the XRP digital forex.
The San Francisco-based operation has its huge stake damaged down into two classes:
- 4.5 billion XRP in liquid holdings for operational use
- 35 billion locked in escrow.
Ripple runs an escrow launch system the place a predictable month-to-month quantity of XRP is unlocked. Usually, 1 billion XRP is launched per thirty days utilizing a good contract mechanism on the XRP Ledger.
It is a technique for managing provide and sustaining value stability. These launched funds are used to fund Ripple’s operational bills and supply liquidity for its On-Demand Liquidity Service (ODL).
As part of cautious treasury administration, Ripple doesn’t flood the markets with recent XRP each month. As an alternative, 60% or extra of month-to-month unlocked funds are relocked, with the corporate not needing the complete complement for operational prices.
In an excessive instance, if Ripple have been to cease relocking tokens, the entire 35-billion escrow stash can be depleted in simply three years.
The relocking sample presently in place means Ripple will possible proceed to prime the XRP wealthy checklist for years to return. For a lot of crypto customers, such giant management of the availability is uncomfortable. The 42% controlling stake provides it unprecedented affect on the advertising and marketing dynamics.
It’s principally a double-edged sword that provides flexibility however raises considerations about decentralization and the ethos it backs.
Do you know? There are over 6.6 million energetic XRP wallets; nevertheless, many of those may very well be very small or inactive wallets. Moreover, a notable share of these wallets possible belongs to repeat customers who preserve a number of addresses. So, in actuality, there could be fewer than 1 million distinctive XRP holders worldwide.
Chris Larsen’s billionaire empire
You won’t be stunned to be taught that Ripple co-founder and government chairman Chris Larsen is the biggest particular person XRP proprietor with over 2.5 billion XRP value round $7 billion.
He distributes his holdings throughout eight distinct crypto wallets, that are tagged by blockchain explorers.
Of his eight wallets, No. 1 by means of 4 nonetheless include simply over 500 million XRP and have by no means made any outbound transfers. He obtained these funds as a founder’s reward in 2013. Though pockets No. 5 has been in promoting motion throughout 2025, decreasing holdings from 500 million XRP to 280 million.
In July 2025, Larsen made important sell-offs, hitting the headlines when $175 million value of XRP was transferred onto exchanges after July 17. These gross sales coincided with XRP reaching seven-year highs above $3.
Nonetheless, Larsen’s whole holdings signify 4.6% of all the XRP market cap. This makes him not simply one of many wealthiest XRP house owners, however certainly one of crypto’s richest people.
Whilst a person, he retains sufficient XRP to considerably affect market dynamics.
“Wallets linked to Chris Larsen solely have one other 2.81B XRP ($8.4B) left!” famous ZachXBT on X.
Do you know? To enter the highest 10% of the XRP wealthy checklist, you solely require 2,396 XRP, which is about $7,000 as of August 2025.
XRP alternate powerhouses
Billions of {dollars} in buyer funds reside on alternate platforms both throughout each day buying and selling exercise or for storage. A number of the world’s hottest exchanges make the XRP wealthy checklist.
Upbit, the Korean big, is the XRP alternate chief with round 6 billion XRP in custody. It exhibits that Korean retail demand is extremely robust, together with the institutional buying and selling quantity.
Elsewhere, Binance is in second place on the alternate checklist with over 2.7 billion XRP throughout its a number of custody wallets. Equally, Uphold has been rising its place just lately with practically 2 billion XRP, adopted by Coinbase at 780 million XRP.
Curiously, this quantity for Coinbase has dropped considerably since Q2 2025. It’s more likely to be strategic repositioning quite than potential regulatory warning, particularly because the US Securities and Alternate Fee’s case towards Ripple Labs was dropped earlier in August 2025. This gave XRP unprecedented judicial standing in america.
Nonetheless, Coinbase slashed holdings by 57% in a single month, whereas rivals proceed to broaden their reserves.
It’s value mentioning, although, that the alternate holdings are primarily buyer belongings quite than institutional buying and selling positions. So, understanding what exchanges maintain giant XRP quantities may give perception into retail possession and demand versus institutional management.
Do you know? Solely 100 addresses management round 68% of the full circulating provide of XRP in 2025. This offers it one of many highest focus charges among the many prime market cap cryptocurrencies.
Whales accumulate record-breaking XRP
2025 has been a watershed yr for XRP. It’s gone from a crypto pariah embroiled in a struggle with the SEC to an asset with clear authorized standing.
Momentum has been constructing as whales gather XRP. In June 2025, it hit one other milestone the place wallets holding greater than 1 million XRP reached 2,708 addresses. That is the best stage in XRP’s 12-year historical past.
Every of those whale wallets incorporates over $2 million value of XRP at 2025 costs. It displays institutional confidence within the asset, with the XRP Ledger each day energetic addresses climbing to 295,000 in June 2025.
That is an exercise spike, which signifies curiosity from each retail and establishments. It’s a soar of practically seven instances the trailing three-month common of 35,000-40,000 energetic addresses.
XRPScan may give you a peek into the wealthy checklist, with the highest wallets held by Ripple holding 5 billion XRP in escrow. Outdoors of those, you may see notable wealthy checklist wallets are linked to identified international exchanges, with solely two nameless dealer wallets making their place within the prime 20.
What’s clear from the XRP wealthy checklist 2025 is the revelation of extremely concentrated possession.
Ripple Labs dominates at each metric, together with Larsen, whose stake totals over $8 billion of XRP holdings.
It raises legitimate decentralization considerations, particularly when mixed with record-breaking whale accumulation and development in institutional wallets. That mentioned, the authorized readability that has emerged following a five-year lawsuit is fueling elevated confidence within the asset amongst institutional buyers.
Exchanges, too, are accumulating funds at historic ranges, with buyer custody deposits swelling these numbers on the wealthy checklist. It’s a metric that implies token possession continues to be of curiosity to retail buyers regardless of considerations.
