The 10 top addresses on the XRP rich list
There is no indication that the largest XRP addresses belong to individual holders. Five addresses belong to large cryptocurrency exchanges, and four belong to Ripple. There is only one address that is unknown and could potentially belong to an unknown XRP whale, although it’s more likely that the address belongs to a company.
| Owner | Number of XRP | % of total Supply | Blockchain address |
|---|---|---|---|
| Bithumb | 1,793,519,016 | 2.71% | rPyCQm8E5j78PDbrfKF24fRC7qUAk1kDMZ |
| Binance | 1,679,562,274 | 2.54% | rs8ZPbYqgecRcDzQpJYAMhSxSi5htsjnza |
| Uphold | 1,505,543,185 | 2.28% | rsXT3AQqhHDusFs3nQQuwcA1yXRLZJAXKw |
| Unidentified owner #1 | 1,368,553,916 | 2.07% | rLD5k36bJkNk1HkYSSCJwM4jBXChHjRViQ |
| UPbit | 1,367,615,939 | 2.07% | rDxJNbV23mu9xsWoQHoBqZQvc77YcbJXwb |
| Ripple | 1,330,027,112 | 2.01% | rMQ98K56yXJbDGv49ZSmW51sLn94Xe1mu1 |
| Ripple | 825,920,824 | 1.25% | rKveEyR1SrkWbJX214xcfH43ZsoGMb3PEv |
| Unidentified owner #2 | 713,000,024 | 1.08% | rJ9Ey7HbscSECamgDRzvw5wrVbFUgaUDt7 |
| bitbank | 572,680,727 | 0.87% | rw7m3CtVHwGSdhFjV4MyJozmZJv3DYQnsA |
| Coincheck | 552,830,577 | 0.84% | r99QSej32nAcjQAri65vE5ZXjw6xpUQ2Eh |
UPbit controls the most XRP out of all exchanges, with 12 addresses in the top 50 holding a combined 5.96% of all coins in circulation. They are also the largest holder of XRP, with 8 addresses in the top 10 holding 37% of all circulating supply.
The bottom line: The top 10 addresses on the XRP rich list hold 19% of all circulating XRP coins
As of February 2026, most of XRP’s circulating supply is centralized in a couple of dozen addresses, with just the top 10 addresses holding over 19% of XRP. Moreover, the amount of XRP held by the top 50 addresses is slightly lower than the number of XRP held by the remaining 4.8 million users.
For comparison, the top 10 Bitcoin addresses hold 12.7% of the BTC circulating supply, which highlights Bitcoin’s high level of supply decentralization. It is worth noting that XRP is much more decentralized than some other cryptocurrencies – the top 10 addresses on Ethereum, for instance, control 61% of the circulating supply, whereas Dogecoin’s 10 largest addresses hold a staggering 44.2% of all DOGE.
Overall, XRP is one of the most promising altcoin projects in the crypto industry today, thanks to its clear focus on solving real-world problems and partnerships with blue-chip companies.
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