The undisputed XRP wealthy record
Ripple Labs is by far the largest XRP (XRP) proprietor, controlling round 42% of the whole 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 large stake damaged down into two categories:
- 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 smart contract mechanism on the XRP Ledger.
This can be a technique for managing provide and sustaining worth 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 a substitute, 60% or extra of month-to-month unlocked funds are relocked, with the firm not needing the full complement for operational prices.
In an excessive instance, if Ripple had been to cease relocking tokens, the entire 35-billion escrow stash could be depleted in simply three years.
The relocking sample at present in place means Ripple will probably proceed to prime the XRP wealthy record for years to return. For a lot of crypto customers, such massive management of the provide is uncomfortable. The 42% controlling stake provides it unprecedented affect on the advertising dynamics.
It’s principally a double-edged sword that provides flexibility however raises issues about decentralization and the ethos it backs.
Do you know? There are over 6.6 million energetic XRP wallets; nonetheless, many of those may very well be very small or inactive wallets. Moreover, a notable share of these wallets probably belongs to repeat customers who keep a number of addresses. So, in actuality, there is perhaps fewer than 1 million distinctive XRP holders worldwide.
Chris Larsen’s billionaire empire
You may not be shocked to study that Ripple co-founder and government chairman Chris Larsen is the largest particular person XRP proprietor with over 2.5 billion XRP price 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 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, lowering holdings from 500 million XRP to 280 million.
In July 2025, Larsen made important sell-offs, hitting the headlines when $175 million worth 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 the entire XRP market cap. This makes him not simply one in all the wealthiest XRP house owners, however one in all crypto’s richest people.
At the same time as 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!” noted ZachXBT on X.
Do you know? To enter the prime 10% of the XRP wealthy record, you solely require 2,396 XRP, which is about $7,000 as of August 2025.
XRP trade powerhouses
Billions of {dollars} in buyer funds stay on exchange platforms both throughout every day buying and selling exercise or for storage. A collection of the world’s hottest exchanges make the XRP wealthy record.
Upbit, the Korean large, is the XRP trade chief with round 6 billion XRP in custody. It reveals that Korean retail demand is extremely robust, together with the institutional buying and selling quantity.
Elsewhere, Binance is in second place on the trade record 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.
Apparently, this quantity for Coinbase has dropped considerably since Q2 2025. It’s prone to be strategic repositioning slightly than potential regulatory warning, particularly since the US Securities and Exchange Commission’s case against Ripple Labs was dropped earlier in August 2025. This gave XRP unprecedented judicial standing in the United States.
Nonetheless, Coinbase slashed holdings by 57% in a single month, whereas rivals proceed to increase their reserves.
It’s price mentioning, although, that the trade holdings are primarily buyer property slightly than institutional buying and selling positions. So, understanding what exchanges maintain massive XRP quantities may give perception into retail possession and demand versus institutional management.
Do you know? Solely 100 addresses management round 68% of the whole circulating provide of XRP in 2025. This offers it one in all the highest focus charges amongst the prime market cap cryptocurrencies.
Whales accumulate record-breaking XRP
2025 has been a watershed 12 months for XRP. It’s gone from a crypto pariah embroiled in a battle with the SEC to an asset with clear legal standing.
Momentum has been constructing as whales acquire 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 highest stage in XRP’s 12-year historical past.
Every of those whale wallets accommodates over $2 million price of XRP at 2025 costs. It displays institutional confidence in the asset, with the XRP Ledger every 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 occasions the trailing three-month common of 35,000-40,000 energetic addresses.
XRPScan may give you a peek into the wealthy record, with the prime wallets held by Ripple holding 5 billion XRP in escrow. Exterior of those, you possibly can see notable wealthy record wallets are linked to identified world exchanges, with solely two nameless dealer wallets making their place in the prime 20.
What’s clear from the XRP wealthy record 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 issues, particularly when mixed with record-breaking whale accumulation and development in institutional wallets. That stated, the authorized readability that has emerged following a five-year lawsuit is fueling elevated confidence in the asset amongst institutional traders.
Exchanges, too, are accumulating funds at historic ranges, with buyer custody deposits swelling these numbers on the wealthy record. It’s a metric that implies token possession remains to be of curiosity to retail traders regardless of issues.
