How Many People Own XRP? Insights into XRP Owners in 2025XRP is still one of the most well-known digital assets with both retail and institutional investors interested in it. With its use case at its core being cross-border payments and financial liquidity solutions, XRP has established itself as a major cryptocurrency player. Understanding how many people own XRP crypto, the distribution of how the supply is held, and who owns the majority of XRP is key to investors determining its long-term value. We will be reviewing the information on important holders, how many people own 1000 XRP, how many people in the world own XRP, and takes into consideration the possible impact of concentrated supply.You can also exchange XRP{:target="_blank" rel="dofollow"} crypto on Exolix!XRP HoldersXRP ownership varies from millions of wallets worldwide, ranging from individual investors to financial institutions. XRP was pre-mined upon launch, unlike Bitcoin and Ethereum, which are mined. It has a supply of 100 billion tokens. It has a fixed supply mechanism, which makes its pattern of ownership vary from other top cryptocurrencies.The ownership pattern of XRP tokens plays a critical role in its market dynamics. While there are individual retail investors holding XRP for trading and investment purposes, the majority of it is with a few big players like Ripple Labs, crypto exchanges, and institutional investors. The extreme centralization of XRP holdings has been a subject of controversy, with concerns regarding market manipulation and price volatility.Another factor influencing the ownership of XRP is its legal standing. XRP has faced legal issues, particularly from the U.S. Securities and Exchange Commission (SEC), which has impacted how institutions and investors engage with the asset. Despite such challenges, XRP has a strong global user base, with hundreds of thousands of owners utilizing its ecosystem.Who holds the most XRP?Most of the XRP supply is held by various large players like Ripple Labs, large exchanges, and institutional investors. Centralization of XRP ownership has seen endless arguments over whether this will negatively impact price stability and market dynamics.Top XRP HoldersRipple Labs -- Ripple, the company behind XRP, has a large hold of token supply. Ripple retained 80 billion XRP at the start and later left a huge quantity in escrow to manage supply release.Crypto Exchanges -- Other exchanges like Binance, Upbit, and Bitbank have XRP held by them on behalf of their users, hence making them some of the largest token custodians.Whale Investors -- Institutional investors and early adopters have accumulated massive amounts of XRP, and they can potentially move the market.Financial Institutions -- Banks utilizing Ripple's technology for payments usually hold XRP in order to maintain liquidity within their payments.Top XRP Holders by PercentageXRP holdings are highly concentrated with very few wallets controlling most of the tokens. Concentration at this level has the potential to significantly impact XRP's price action and liquidity.Ripple Labs: Owns around 46% of the total XRP supply, a large portion of which is stored in escrow accounts to control token release.Top 10 Wallets: Own around 41% of all XRP in circulation.Top 20 Holders: Own 50% of the total XRP supply, demonstrating the asset's centralization.Top 100 Holders: Own over 70% of the total XRP supply, placing focus once more on the influence of the big holders.| Owner | XRP Amount | % Of Circ. Supply | Blockchain Address || ------------------ | ---------- | ----------------- | ---------------------------------- || Uphold | 1851489151 | 3.26% | rsX8cp4aj9grKVD9V1K2ouUBXgYsjgUtBL || Bithumb | 1474739811 | 2.59% | rPyCQm8E5j78PDbrfKF24fRC7qUAk1kDMZ || Ripple #1 | 1330027088 | 2.34% | rMQ98K56yXJbDGv49ZSmW51sLn94Xe1mu1 || Binance | 1219286648 | 2.14% | rs8ZPbYqgecRcDzQpJYAMhSxSi5htsjnza || Ripple #2 | 1195544084 | 2.10% | rKveEyR1SrkWbJX214xcfH43ZsoGMb3PEv || UPbit | 995004506 | 1.75% | rDxJNbV23mu9xsWoQHoBqZQvc77YcbJXwb || Unidentified owner | 713000011 | 1.25% | rJ9Ey7HbscSECamgDRzvw5wrVbFUgaUDt7 || Binance | 661827728 | 1.16% | rPz2qA93PeRCyHyFCqyNggnyycJR1N4iNf || Bitbank | 583923531 | 1.03% | rw7m3CtVHwGSdhFjV4MyJozmZJv3DYQnsA || Coincheck | 571805744 | 1.01% | r99QSej32nAcjQAri65vE5ZXjw6xpUQ2Eh |XRP Distribution Among HoldersWallets containing 1M+ XRP: Hold approximately 6.5% of the supply.Wallets with 100K-1M XRP: Hold 11% of all circulating XRP.Wallets with 1K-100K XRP: Hold approximately 7.5% of the supply.Small Holders (<1K XRP): Hold a tiny percentage, reflecting the dominance of large holders.This distribution pattern suggests that while XRP is widely held, few wallets have a significant percentage of the token's supply, and this drives volatility in price.How Many People Own XRP?It is a tricky question how many people own XRP. Calculating the number of XRP holders is made difficult by the blockchain wallet and exchange status. There are a lot of users with their XRP in centralized exchanges, so one wallet can represent thousands of distinct users. However, on-chain metrics can provide an estimate of XRP distribution and even how many people own XRP today.Total XRP Wallets: Information from blockchain explorers shows there are approximately 6 million individual XRP wallets.Active Wallets: Active wallets differ by market condition with millions of addresses transacting sporadically.Exchange Wallets: Large cryptocurrency exchanges hold gigantic amounts of XRP for users, and so the amount of actual individual holders is more than on-chain reports reflect.How Many People Own 1,000+ XRP1,000 XRP is a mid-level investment that is typically of long-term investors rather than short-term traders. Estimates place some 500,000 wallets at or above the level of 1,000 XRP, which is an impressive proportion of the holder pool.How Many People Own 10,000+ XRP?Investors holding 10,000+ XRP are typically in the high-stakes group. Data shows there are around 100,000 wallets with a minimum of 10,000 XRP, which represents a smaller but more influential stake in the entire XRP network.These figures show growing use of XRP but also that the asset remains highly concentrated among relatively few large stakes.Impact of XRP Ownership ConcentrationThe extreme concentration of XRP in the hands of a few wallets is a cause for concern regarding market stability and investor trust. With more than half of the total supply held by the 20 largest holders, XRP's price can be heavily influenced by big moves.Potential Risks of XRP CentralizationPrice Volatility -- Big holders can transfer large amounts of XRP, leading to abrupt price movements.Market Manipulation -- The possibility of a few wallets influencing price activity is an issue of good market behavior.Liquidity Risks -- When large holders were to sell sizable quantities of their XRP, it would create short-term liquidity issues.Ripple Labs' Escrow SystemTo deal with issues of oversupply, Ripple Labs uses an escrow mechanism to release XRP gradually. This mechanism prevents sharp supply shocks and attempts to bring stability to the market of XRP.