XRP Asset Owners: Who Are the Largest Owners and How Will They Be Distributed in 2025?
2025-09-19
Bittime - XRP is one of the world's largest cryptocurrencies by market capitalization. However, behind its popularity, an important question arises: Who will actually own the most XRP in 2025?
JThe answer to this question can be found in the list of the largest owners or what is known as the “XRP rich list.”
This article will discuss who dominates XRP ownership, from Ripple Labs, the founders, to global exchanges and whales who continue to increase their accumulation.
Ripple Labs: The Ultimate Ruler of XRP
Ripple Labs, the company behind the development XRP Ledger, is still the largest holder of XRP. By 2025, Ripple will control approximately42% of the total supply of 100 billion XRP.
- 4.5 billion XRPused for operational needs.
- 35 billion XRP placed in escrow, with a release system of 1 billion XRP per month through smart contracts.
Strategy relock Most of the tokens released maintain price stability, but also raise debate about centralization.
Ripple's dominance provides flexibility in maintaining supply, but also raises concerns that the market is too controlled by a single entity.
Chris Larsen: Billions of XRP
Chris Larsen, Ripple's co-founder and executive chairman, is the individual with the largest XRP holdings. He owns more than2.5 billion XRPworth aroundRp114 trillion ($7 billion)in 2025.
Larsen spreads his assets across eight different wallets. His four main wallets still contain over 500 million XRP each, with no outflows since 2013.
Although in July 2025 he sold part of his ownership worth Rp2.87 trillion ($175 million), total ownership is still equivalent to 4.6% of XRP's market cap.
Crypto Exchanges: The Power of XRP Custody
Besides Ripple and Larsen, a number of global crypto exchanges are also listed as having the largest XRP holdings.
However, it should be noted that most of these assets are user fundswhich are deposited for trade or storage.
- Upbit (South Korea):±6 billion XRP
- Binance:over 2.7 billion XRP
- Uphold:almost 2 billion XRP
- Coinbase:around 780 million XRP
This phenomenon shows the great interest of retail investors in XRP, especially from the Asian market.
Read Also: XRP Price Prediction: Will It Reach $5 Soon?
XRP Whales: New Holdings Record
The year 2025 becomes an important point in the accumulation of XRP by whales.
The data shows there are 2,708 addresses, each of which stores more than 1 million XRP, the largest amount in XRP's 12-year history.
Additionally, the number of daily active addresses on the XRP Ledger jumped to295,000 addresses by June 2025, a sevenfold increase from the previous three-month average.
This surge underscores growing institutional and retail interest.
Concentration of Ownership and the Challenges of Decentralization
According to the latest data,The top 100 addresses control approximately 68% of the total circulating supply of XRP.
This figure shows a high concentration of ownership that can influence price dynamics and raise doubts about decentralization.
However, the conclusion of the SEC's lawsuit against Ripple in August 2025 provided long-awaited legal clarity. This boosted institutional investor confidence while maintaining retail interest in the XRP asset.
Read Also: $XRP Trading Strategy in 2025: A Historic Moment That Will Repeat Itself
Conclusion
XRP ownership distribution in 2025 shows the dominance of Ripple Labs, Chris Larsen's large holdings, and the significant role of global exchanges and whales.
While the concentration of ownership poses challenges to the principle of decentralization, the legal legitimacy XRP has achieved in the wake of the SEC case provides a strong foundation for long-term growth.
For investors, understanding who is the biggest owner of XRPhelps assess the risks of centralization as well as the potential for growth that is still wide open.
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FAQ
Who will own the most XRP in 2025?
Ripple Labs is the largest holder with approximately 42% of the total supply of 100 billion XRP, consisting of 4.5 billion liquid XRP and 35 billion XRP in escrow.
How much XRP does Chris Larsen hold?
Chris Larsen, co-founder of Ripple, owns over 2.5 billion XRP, equivalent to approximately Rp114 trillion in 2025.
Do crypto exchanges also have a lot of XRP?
Yes, some exchanges like Upbit, Binance, Uphold, and Coinbase hold billions of XRP. However, the vast majority of this is user funds.
Is XRP ownership concentrated?
Yes. 2025 data shows that the 100 largest addresses control approximately 68% of the circulating XRP supply, raising concerns about decentralization.
Disclaimer: The views expressed belong exclusively to the author and do not reflect the views of this platform. This platform and its affiliates disclaim any responsibility for the accuracy or suitability of the information provided. It is for informational purposes only and not intended as financial or investment advice.
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