Who is the Biggest XRP Owner in 2025?

Jakarta, Pintu News – The cryptocurrency market has again been colored by the latest report on the distribution of Ripple (XRP) ownership. The latest data shows how ownership concentration is still very high among certain institutions and individuals.

From Ripple Labs to the whales, this 2025 “rich list” report gives a clear picture of who is really in control of one of the world’s most popular crypto assets.

Ripple Labs, the Ultimate Ruler of XRP

Ripple Labs remains the largest owner of XRP, with a portion of about 42% of the total supply of 100 billion tokens. Of this amount, around 4.5 billion XRP is used for operational needs, while the other 35 billion is held in an escrow mechanism. This escrow system releases about 1 billion XRP every month through smart contracts on the XRP Ledger.

The relock strategy keeps the supply of XRP under control. Ripple generally only uses a fraction of the tokens unlocked each month, while the rest are relocked.

This approach helps maintain price stability, but it also raises debates about decentralization due to the amount of control Ripple has over the supply circulating in the cryptocurrency market.

Read also: Who are the World’s Most Ethereum (ETH) Holders?

Chris Larsen, the Richest Individual in the XRP Ecosystem

Chris Larsen, co-founder of Ripple and executive chairman of the company, is listed as the largest individual owner of XRP with more than 2.5 billion tokens – equivalent to around IDR114 trillion ($7 billion) by 2025. His holdings are spread across eight different wallets, with the four main wallets having not made any outgoing transfers since the initial grant in 2013.

Despite selling most of his holdings in July 2025 for IDR 2.87 trillion ($175 million), Larsen still holds around 4.6% of XRP’s market capitalization. This gives him significant influence over price dynamics, making him one of the richest figures in the crypto industry.

Global Exchanges and Whale Spikes

In addition to Ripple and Larsen, a number of major exchanges are also on the list of the largest XRP holders. Korea’s Upbit leads the way with around 6 billion XRP in custody, followed by Binance with over 2.7 billion XRP, Uphold with almost 2 billion, and Coinbase with around 780 million XRP. While most of these are customer funds, this data shows the strong retail interest in these assets.

Also read: USDT vs. USDC: Who is the King of Stablecoins in Indonesia?

At the same time, the XRP whale set a record for holdings. As of June 2025, there were 2,708 addresses holding more than 1 million XRP each, reflecting institutional confidence in Ripple’s (XRP) prospects. This surge was also accompanied by an increase in daily active addresses on the XRP Ledger to 295,000, up dramatically from the previous three months’ average.

Ownership Concentration and its Impact on Decentralization

The 2025 “rich list” data reveals that the top 100 addresses control approximately 68% of XRP’s circulating supply. This concentration raises serious questions about market decentralization and stability.

However, the legal clarity after the end of the dispute with the SEC in August 2025 has given institutional and retail investors the confidence to trust XRP as a crypto asset with long-term prospects.

With supply still under control by Ripple and aggressive accumulation by whales, the XRP market shows a combination of growth opportunities and challenges related to ownership distribution.

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*Disclaimer

This content aims to enrich readers’ information. Pintu collects this information from various relevant sources and is not influenced by outside parties. Note that an asset’s past performance does not determine its projected future performance. Crypto trading activities have high risk and volatility, always do your own research and use cold cash before investing. All activities of buying and selling bitcoin and other crypto asset investments are the responsibility of the reader.

Reference:

• Cointelegraph. Who Owns the Most XRP in 2025? The Rich List Revealed. Accessed September 12, 2025.