Ripple Labs remains the largest owner of XRP, holding an astonishing 42% of the total supply of 100 billion XRP. This stake includes 4.5 billion XRP in liquid assets and 35 billion locked in escrow, managed to promote price stability and operational costs. Chris Larsen, Ripple's co-founder, stands as the biggest individual holder, managing approximately $7 billion worth of XRP across multiple wallets. In 2025, significant transactions highlighted Larsen's holdings and market impact. The exchange landscape also plays a crucial role, with major players like Upbit and Binance holding billions of XRP, reflecting strong retail and institutional demand. Ripple's dominance raises concerns about decentralization; however, recent legal clarifications have renewed institutional investor interest. Notably, the number of wallets holding over 1 million XRP has reached a record high of 2,708, indicating growing confidence in XRP as it emerges from past regulatory challenges.

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