In 2025, Ripple Labs remains the largest owner of XRP, controlling about 42% of the total supply, consisting of 4.5 billion XRP in liquid assets and 35 billion locked in escrow. The company employs a management system that releases 1 billion XRP monthly, however, over 60% is typically relocked to ensure market stability. Chris Larsen, Ripple's co-founder, is the largest individual XRP holder with approximately $7 billion in XRP spread across eight wallets. He has faced significant scrutiny with recent sell-offs, reducing his holdings from 500 million to 280 million XRP in 2025. Additionally, major exchanges like Bithumb and Binance hold substantial XRP reserves, reflecting strong retail and institutional demand. Exchange holdings mainly comprise customer assets, highlighting retail interest despite concerns over supply concentration where just 100 addresses control around 68% of circulating XRPs. The year has also seen a surge in whale accounts, with over 2,700 wallets holding more than 1 million XRP, indicating increasing institutional confidence in the asset post-legal clarity from the SEC lawsuit. Overall, Ripple and Larsen maintain a dominant influence on the XRP ecosystem amid rising retail enthusiasm.

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