XRP Rich List: Who Are the Top XRP Holders in 2026?

On-chain data shows that the top 50 largest addresses on the XRP rich list control about 44% of XRP’s circulating supply, worth about $36,6 billion at current market rates. Meanwhile, the top 10 largest XRP holders control more than 11 billion XRP coins, worth $16.3 billion.

In this article, we are going to explore the current distribution of XRP among top addresses and examine who the largest XRP holders are.

XRP rich list by the percentage of holdings in 2026

As of February 2026, there are 59,780,000,000 XRP in circulation, with the XRP cryptocurrency’s market cap standing at $134.7 billion. The split between the top 50 addresses – each of which holds at least 200 million XRP – and the remaining addresses is roughly 60% to 40%. 

XRP rich list distribution in 2026:

• Top 10 XRP Addresses: 11,709,253,594 XRP (19.59% of circ. supply)
• Top 10-50 XRP Addresses: 14,409,922,393 XRP (24.10% of circ. supply)
• Remaining Addresses: 33,660,824,013 XRP (56.31% of circ. supply)
• Total Addresses: 6,114,724

The ratio of circulating XRP supply between the top 50 largest addresses and the remaining 4.8 million is roughly 60–40.

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.

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.