The XRP Ledger (XRPL) is one of the most transparent and efficient blockchain networks in the cryptocurrency space. With its open-source design and public ledger, anyone can explore wallet addresses, track large holdings, and analyze transaction patterns. This transparency offers valuable insights into the distribution of XRP, particularly among major stakeholders such as institutional investors, exchanges, and key figures in the Ripple ecosystem.
Below is a curated list of the top 100 richest XRP addresses, ranked by their current balance. This list provides a snapshot of wallet ownership, balance percentages relative to the total XRP supply (~100 billion), and recent movement trends where available.
Understanding XRP Distribution
XRP has a fixed maximum supply of 100 billion tokens, all of which were created at genesis. Unlike Bitcoin or Ethereum, there is no mining process—instead, XRP is gradually released from escrow accounts managed by Ripple Labs. Monitoring large wallet holdings helps investors understand market concentration, potential selling pressure, and long-term holding behavior.
Key Observations:
- The top two addresses each hold exactly 5 billion XRP (~5% of total supply), suggesting possible institutional or escrow-related origins.
- Multiple wallets belong to known entities like Uphold, Binance, Bitstamp, and Chris Larsen, co-founder of Ripple.
- Several addresses are labeled with identifiers like "RippleXX" or "chrislarsenX", indicating structured allocation for transparency.
- A significant number of wallets hold exactly 500 million or 200 million XRP, possibly representing reserve accounts or exchange cold wallets.
Top 10 XRP Holders (Ranked)
1. rB3WNZc45gxzW31zxfXdkx8HusAhoqscPn – 5,000,000,232 XRP (5.00%)
This address leads the list with over 5 billion XRP. Its exact purpose remains unconfirmed, but its size suggests it could be an institutional vault or legacy Ripple-controlled wallet.
2. r9UUEXn3cx2seufBkDa8F86usfjWM6HiYp – 5,000,000,220 XRP (5.00%)
Nearly identical in balance to #1, this wallet is another massive holder. The minor difference in balance may reflect small transaction fees or internal transfers.
3. rDdXiA3M4mYTQ4cFpWkVXfc2UaAXCFWeCK – 5,000,000,216 XRP (5.00%)
Another 5-billion-XRP giant. These top three wallets collectively hold about 15% of all XRP, highlighting notable centralization at the top tier.
4. rMhkqz3DeU7GUUJKGZofusbrTwZe6bDyb1 – 5,000,000,206 XRP (5.00%)
Labeled as “Ripple28”, this wallet reinforces the presence of Ripple-associated addresses among top holders.
5. r9NpyVfLfUG8hatuCCHKzosyDtKnBdsEN3 – 5,000,000,204 XRP (5.00%)
Also tagged as “Ripple9”, this wallet appears to be part of a series used for escrow or operational reserves.
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Major Exchange & Institutional Wallets
Several top wallets belong to well-known exchanges and financial platforms:
- Uphold (rsX8cp4aj9grKVD9V1K2ouUBXgYsjgUtBL): Holds 1.71 billion XRP – one of the largest exchange-linked wallets.
- Binance (rs8ZPbYqgecRcDzQpJYAMhSxSi5htsjnza): Over 1.51 billion XRP stored here indicates strong exchange backing.
- Bitbank & Coincheck: Japanese platforms with substantial holdings, reflecting regional adoption.
- Crypto.com & Bybit: Represent growing exchange infrastructure across Asia and global markets.
Exchange wallets often show slight fluctuations due to user deposits and withdrawals, but cold storage allocations tend to remain stable.
Chris Larsen’s XRP Holdings
Chris Larsen, co-founder of Ripple, personally owns multiple wallets with significant balances:
- chrislarsen1 to chrislarsen6: Combined holdings exceed 2.7 billion XRP
- All wallets contain either 500 million or 342 million+ XRP
- No recent large outflows detected—suggesting long-term holding strategy
These wallets are publicly tracked and often cited in discussions about insider ownership and market influence.
Ripple-Associated Addresses
A cluster of wallets labeled “RippleXX” holds billions of XRP collectively:
- Examples: Ripple11, Ripple26, Ripple27, Ripple48–52
- Balances range from 200 million to 5 billion XRP
- Likely tied to Ripple’s escrow system or corporate treasury
While Ripple has committed to transparent escrow releases, tracking these addresses helps assess potential supply impact on the market.
Emerging Trends Among Large Holders
Analyzing the data reveals several patterns:
- Stability: Most top wallets show minimal movement—indicating long-term holding.
- Precision: Many balances end in “.2xx” or “.xxx,xxx,xxx”—possibly due to transaction fees or rounding in release schedules.
- Consolidation: Smaller wallets (e.g., 87M–125M XRP) suggest diversified storage strategies across exchanges and custodians.
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Frequently Asked Questions (FAQ)
Q: Are these wallets safe from being seized or frozen?
A: On the XRP Ledger, funds in non-custodial wallets cannot be frozen by third parties unless private keys are compromised. However, exchange-linked wallets may be subject to regulatory actions.
Q: Can Ripple control all these XRP?
A: Ripple does not have unilateral control over all XRP. While they manage escrowed funds according to published schedules, once released, those funds are distributed or sold through market mechanisms.
Q: Why do some addresses have exactly 5 billion XRP?
A: These likely represent initial allocations for institutional partners or escrow tranches set up during Ripple’s early development phase.
Q: Is XRP too centralized due to large holders?
A: While the top 10 addresses hold a significant portion (~30–40%), decentralization has improved over time as more XRP enters circulation via sales, partnerships, and exchange listings.
Q: How often is this list updated?
A: Blockchain data is live and publicly accessible. Reputable analytics platforms update rich list rankings in real time based on on-chain activity.
Q: Can I track these addresses myself?
A: Yes! Use XRPL explorers like Bithomp or XRPScan to monitor transactions, balances, and historical movements of any public address.
Final Thoughts
Tracking the top XRP-rich addresses offers more than just curiosity—it provides insight into market dynamics, investor confidence, and network health. While centralization concerns persist, increasing transparency and gradual distribution through escrow releases continue to shape a more balanced ecosystem.
Whether you're an investor analyzing whale movements or a developer exploring XRPL capabilities, understanding wallet distribution is crucial for informed decision-making.
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