While XRP is one of the top cryptocurrencies by market value, its supply is spread across millions of XRP Ledger accounts, Ripple, various digital asset exchanges, and early contributors. Metrics from XRPScan in September 2026 outline this supply distribution, though wallet rankings should not be mistaken for precise individual ownership.
XRP Ledger has More Than 8.19 Million Funded Accounts
Data from XRPScan indicates that the XRP Ledger (XRPL) featured 8,194,963 funded accounts as of September 2026. Securing a spot in the top 1% demands a significant amount, requiring a minimum balance of 44,596 XRP. The top 2% tier begins at 21,757 XRP, the top 3% at 14,002 XRP, and the top 4% at 10,020 XRP.
For the top 5%, the threshold drops to 7,459 XRP, while an account holding roughly 2,127 XRP places it in the top 10%.
Nevertheless, these metrics track XRPL accounts rather than unique human investors. A single individual can manage numerous wallets, whereas a single exchange address often pools assets for thousands of users.
Ripple Remains the Largest Identifiable XRP Holder
Among known entities, Ripple holds the top position. XRPScan data links 31 accounts to the company containing about 4.095 billion XRP, in addition to roughly 35.7 billion XRP locked in escrow.
Historically, Ripple locked 55 billion XRP into cryptographically secured escrows structured for monthly releases. Any unused XRP from these scheduled unlocks can be rolled back into new escrow agreements.
Factoring in these escrow accounts makes Ripple the most substantial identifiable entity tied to XRP, though escrowed tokens differ from liquid balances.
Upbit, Coinbase and Binance Hold Billions
Prominent cryptocurrency exchanges maintain several of the highest balances. Upbit takes second place with about 6.394 billion XRP spread across 13 accounts. Coinbase follows closely with roughly 5.819 billion XRP across 342 accounts, following newly updated wallet classifications that expanded its tracked holdings.
Binance manages about 2.735 billion XRP across 147 accounts, according to labeled data from XRPScan.
Additional exchange balances include Bithumb with approximately 1.828 billion XRP across three accounts, Bitbank with roughly 573.7 million XRP in two accounts, and Coincheck holding about 553.7 million XRP across two addresses.
These exchange-held tokens should not be viewed as corporate property, as significant portions reflect customer balances.
Chris Larsen Remains a Major Individual Holder
Ripple co-founder Chris Larsen stands out as one of the largest identifiable individual holders of XRP. Seven distinct addresses connected to Larsen hold a combined total of approximately 2.533 billion XRP.
This highlights the enduring presence of early XRP stakeholders alongside major exchanges and corporate entities.
Final Thoughts
Ripple retains its status as the largest identifiable holder of XRP when accounting for its escrow reserves.
At the same time, major trading platforms control billions of XRP within custodial addresses that serve user accounts.
Because on-chain labels can shift over time, wallet leaderboards highlight distribution trends rather than definitive lists of beneficial owners.
Also Read: What is XRP Futures Open Interest, Why Does it Matter?
FAQs:
1. Who owns the most XRP in 2026?
Ripple is the largest identifiable entity linked to XRP when factoring in its roughly 35.7 billion XRP held in escrow. It also maintains about 4.095 billion XRP across 31 visible accounts.
2. How much XRP is required to enter the top 1%?
Based on the September 2026 XRPScan data, an account must hold at least 44,596 XRP to reach the top 1%. The top 5% cutoff is much lower at 7,459 XRP.
3. How many funded XRP Ledger accounts exist in 2026?
The XRP Ledger reported 8,194,963 funded accounts during September 2026. However, account counts do not equate to the exact headcount of individual XRP investors.
4. How much XRP do major crypto exchanges hold?
Upbit accounts for roughly 6.394 billion XRP, Coinbase holds about 5.819 billion XRP, and Binance maintains approximately 2.735 billion XRP within their labeled addresses. A vast amount of this supply belongs to platform clients.
5. Why don’t XRP rich-list wallets represent individual ownership?
One user or corporate body may operate multiple XRP Ledger addresses, while exchange infrastructure holds funds for countless participants. Consequently, wallet totals cannot accurately reflect direct beneficial ownership.
