XRP, the native cryptocurrency of the Ripple network, has surged in value over recent months, cementing its position as the third-largest crypto by market capitalization. With a total supply of 100 billion tokens and 57.64 billion currently circulating, the distribution of XRP reveals striking centralization among top holders.
XRP Wealth Distribution: Key Insights
- Top 10 wallets: Control 20.99% of circulating supply.
- Top 50 wallets: Hold 53.3% of circulating XRP.
- Top 20 addresses: Dominate 50.31% of the supply (Coincarp data).
This concentration raises questions about decentralization and price influence within the XRP ecosystem.
Who Owns the Most XRP?
Ripple Labs:
- Holds ~46 billion XRP (mostly in escrow).
- One active wallet contains 1.3 billion liquid XRP (Bithomp).
Chris Larsen (Co-Founder):
- Largest individual holder with 5+ billion XRP.
Exchanges:
- Binance: 1.3 billion XRP (1.33% of supply).
- Upbit: 4.38% of total supply.
👉 See how exchanges impact XRP liquidity
Is Centralized Ownership a Risk?
- Ripple’s escrow locks prevent sudden supply dumps.
- Exchange holdings represent user funds, not institutional control.
- Price stability: Large reserves haven’t triggered manipulation concerns.
Current XRP Price: $3.10 (7-year high: $3.38).
FAQ: XRP Supply Concerns
1. Who owns the most XRP?
Ripple Labs and co-founder Chris Larsen top the list, followed by major exchanges like Binance.
2. Is XRP’s supply too centralized?
While top wallets hold over 50%, escrow mechanisms and exchange safeguards mitigate risks.
3. Could large holders manipulate XRP’s price?
Unlikely—Ripple’s escrow releases tokens gradually, and exchange funds belong to users.
4. What percentage of XRP is circulating?
~57.64 billion XRP (57.64% of total supply).
Disclaimer: Informational only. Past performance ≠ future results.
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