XRP Rich List 2026: Who Holds the Most XRP
The ten largest XRP accounts hold 10.5% of all XRP, and the hundred largest 31.5%. It takes 41,558 XRP to be in the top 1% of 8.6 million accounts, and the median account holds 17 XRP. Another 31.4 billion XRP is locked in Ripple’s escrow and belongs to no account at all.
The ten largest XRP accounts
Most of the largest accounts belong to exchanges, which hold their customers’ XRP together in a few big wallets. 10 of the ten carry a known name; an unnamed account is one whose owner has not been publicly identified.
| # | Account | XRP | Share of all XRP | Last active |
|---|---|---|---|---|
| 1 | Bithumb | 1,811,612,953 | 1.81% | 4 November 2026 |
| 2 | Robinhood | 1,801,172,631 | 1.80% | 8 September 2026 |
| 3 | Upbit | 1,409,917,870 | 1.41% | 5 November 2026 |
| 4 | Ripple | 1,330,027,111 | 1.33% | 26 August 2026 |
| 5 | Binance | 1,105,433,791 | 1.10% | 4 November 2026 |
| 6 | Ripple | 811,925,824 | 0.81% | 26 August 2026 |
| 7 | Binance | 648,278,912 | 0.64% | 5 November 2026 |
| 8 | bitbank | 573,122,297 | 0.57% | 5 November 2026 |
| 9 | Coincheck | 553,392,286 | 0.55% | 5 November 2026 |
| 10 | Robinhood | 525,657,289 | 0.52% | 2 November 2026 |
How much XRP puts you in the top 1%
Ranked by balance, the account at the edge of the top 1% holds 41,558 XRP, the top 10% starts at 2,000 XRP, and half of all accounts hold 17 XRP or less.
To see where a given balance lands, use the XRP calculator.
How concentrated XRP is
The hundred largest accounts hold 31.5% of all XRP. In January 2013, when the ledger had 317 accounts, they held 99.5%.
Ripple’s escrow
In December 2017 Ripple locked 55 billion XRP in escrow on the XRP Ledger. In its own words, it set up “55 contracts of 1 billion XRP each that will expire on the first day of every month”, and “whatever is unused at the end of each month” goes “to the back of the escrow rotation” (Ripple). An escrow is a ledger object that holds XRP until a set time; nobody can spend it before then (xrpl.org).
By Ripple’s weekly figures, the escrow held 52.3 billion XRP on 6 January 2019 and 31.4 billion on 25 October 2026. Over the same years the distributed supply grew from 41.1 billion to 63.5 billion XRP.
Escrowed XRP is not in any account, so it never appears in a rich list. The total in existence is 99.99 billion XRP rather than 100 billion because every transaction destroys a small fee: “the XRP is irrevocably destroyed” (xrpl.org: Transaction cost).
Following the largest accounts
- XRP rich list: every account ranked by balance, updated live.
- Known wallets: the exchanges, issuers and services behind named accounts.
- Whale tracking guide: how to watch large accounts move.
- Telegram bot: /watch any address and get a message when it moves.
Questions
- Who holds the most XRP?
- The largest single account is Bithumb, with 1,811,612,953 XRP. The ten largest accounts hold 10.5% of all XRP, and 10 of them carry a known name, mostly exchanges.
- How much XRP do you need to be in the top 1%?
- 41,558 XRP puts an account at rank 86,179, the edge of the top 1% of 8.6 million accounts. The median account holds 17 XRP.
- How much XRP is in Ripple’s escrow?
- 31.4 billion XRP on 25 October 2026, by Ripple’s own figures. Ripple holds another 5.1 billion XRP outside escrow, and 63.5 billion XRP is distributed.
- How many XRP accounts are there?
- 8,618,106 accounts exist on the XRP Ledger. Half of them hold 17 XRP or less.