XRP Rich List & Calculator
Live from the XRP Ledger, refreshed four times a day. Latest snapshot: 1 November 2026 at 06:03 UTC. 한국어
Header image: portrait of Chris Larsen courtesy of RippleWorks; portrait of Brad Garlinghouse and the remaining portraits from X.
Go to CalculatorSummary
- The richest XRP wallet held 5,000,000,235 XRP on November 1, 2026, worth $6,257,210,294.
- As of November 1, 2026, an account needed at least 43,351 XRP to sit in the top 1% of XRP holders.
- The top 10% threshold was 2,061 XRP on November 1, 2026, and the top 50% threshold was 20 XRP.
- The XRP Ledger held 8,293,705 funded accounts as of November 1, 2026, controlling 99.99bn XRP between them.
- UPbit was the largest exchange holding XRP on November 1, 2026, with 6,426,893,531 XRP across 11 accounts, worth $8,042,884,494.
- Chris Larsen, Ripple’s co-founder and executive chairman, held 2,532,688,428 XRP across 6 ranked accounts as of November 1, 2026, worth $3,169,512,672.
CalculatorXRP Rich List Calculator
Enter your XRP balance to see where you rank on the rich list.
The XRP rich list calculator on this page places any XRP balance against all 8,293,705 funded accounts as of November 1, 2026, without a wallet address, a connection or a sign-in.
Free to use
No address or wallet needed.
Measured against over 8M XRP accounts
Checked against 8,293,705 XRP accounts.
Enter XRP, then click “Start check” to run the calculator.
No wallet connection. No address. Just a number, and an approximation is fine. The calculation runs in your browser against XRP Ledger data.
Your position on the rich list appears here once the check runs.
On this page
Largest accounts
XRP top holders: the 500 largest wallets
The 500 largest funded XRP Ledger accounts as of November 1, 2026, read from ledger 108,039,322 and ranked on the XRP each one controls, a hundred to a page.
Ripple
Bithumb
Binance
UPbit
bitbank
Coincheck
chrislarsen
eToro
Crypto.com
Coinone
ahbrittoShowing 500 of 500 accounts, holding 77.90bn XRP between them, or 77.91% of all XRP in funded accounts as of November 1, 2026.
44 of the 500 ranked accounts carry a name as of November 1, 2026. Not one of them publishes a domain onchain, which is the only identity an account can declare about itself.
Naming an account from how it transacts would be a guess, so this page names an account only against a source it can show.
An account is ranked on its spendable balance plus anything it holds in onchain escrow, which is why an account with a few hundred XRP spendable can sit near the top.
Dollar values use 1.2514 US dollars per XRP as of November 1, 2026, read from Flare FTSOv2 XRP/USD oracle. They move with the price and the XRP amounts beside them do not.
Share of supply is measured against all XRP in funded accounts as of November 1, 2026. The escrow column is the part of each balance locked onchain on that date rather than a figure on top of it.
Every name in the table is attributed by XRPSCAN rather than established by this page.
Distribution
XRP top 1% threshold: how much XRP puts you in the top 1%
An account needed at least 43,351 XRP to sit in the top 1% of funded XRP Ledger accounts as of November 1, 2026.
The top 10% starts far lower, at 2,061 XRP, and the top 50% at 20 XRP as of November 1, 2026. Most funded accounts hold very little, which is why the percentage thresholds fall away so steeply below the first percent.
The XRP rich list 2026 thresholds below are read from the same ledger walk as the ranking. A tier threshold is the smallest amount of XRP that placed an account in that percentage of all 8,293,705 funded accounts as of November 1, 2026. An account is measured on what it controls, which is its spendable balance plus anything it holds in onchain escrow.
| Percentage tier | Minimum XRP controlled | Accounts at or above | That tier alone | Cumulative share of XRP |
|---|---|---|---|---|
| Top 0.01% | 3.66M | 830 | 80% | 80% |
| Top 0.1% | 270,707 | 8,300 | 5.1% | 85% |
| Top 1% | 43,351 | 83,003 | 6.7% | 92% |
| Top 5% | 7,228 | 414,785 | 5.6% | 97% |
| Top 10% | 2,061 | 829,857 | 1.7% | 99.1% |
| Top 25% | 100.8 | 2,073,664 | 0.83% | 99.9% |
| Top 50% | 20 | 4,241,459 | 0.07% | over 99.9% |
Every tier in the November 1, 2026 table contains the ones above it, so the cumulative column climbs down the table rather than summing to 100%: the top 1% row counts the top 0.1% inside it. The column beside it is what each tier adds on its own, and those do sum. Thresholds are read from a histogram of every account balance, which bounds each figure at 0.1152% as of November 1, 2026. Shares are measured against all XRP in funded accounts, escrowed and spendable together.
Figures circulating for these thresholds are usually ranges compiled across several dates. Every number here is read from one validated ledger, 108,039,322, closed November 1, 2026 at 06:03 UTC, with the error on any tier bounded at 0.1152%.
Holders
How many people own XRP?
8,293,705 XRP Ledger accounts were funded as of November 1, 2026, which is not the number of people who own XRP.
The account count is neither an upper nor a lower bound on the number of owners. It runs higher than the number of people holding their own XRP, because one person can open many accounts and 8,293,705 funded accounts as of November 1, 2026 say nothing about how many hands hold them. It runs lower than the number of people with XRP exposure worldwide, because the 22 exchange accounts identified in this ranking held 12.77bn XRP as of November 1, 2026 on behalf of customers who have no XRP Ledger account at all.
2,149 accounts held more than 1 million XRP as of November 1, 2026: 1,605 between 1 million and 10 million, and 544 above 10 million.
No count of the people who own XRP exists onchain. Estimates in the 18 to 25 million range that circulate as of November 1, 2026 combine ledger addresses with exchange customer counts, and neither input is verifiable from ledger data.
Shape of the ledger
How XRP is spread across wallets
Most funded XRP Ledger accounts hold very little. 86% of them held under 1,000 XRP as of November 1, 2026.
Every bar below is one balance band, and its height and the number above it are how many accounts held an amount inside that band as of November 1, 2026. The smaller figure under each band is that band’s share of all funded accounts on the same date.
XRP holders percentage chart: funded accounts by balance band
All 8,293,705 funded XRP Ledger accounts as of November 1, 2026
The XRP rich list chart above draws one bar per balance band, and the figure above a bar is how many funded XRP Ledger accounts held an amount inside that band as of November 1, 2026. All 8,293,705 funded accounts sit in exactly one band each as of November 1, 2026.
Bar heights use a square-root scale as of November 1, 2026, so a band holding a few hundred accounts stays visible beside one holding three million. Reading heights against each other therefore understates the gap between them; the printed counts are the exact figures.
Band by band
Wallets and XRP held, by balance band
The largest band by account count and the largest by XRP held are not the same band, and the table below is where that separation is visible as of November 1, 2026.
Every one of the 8,293,705 funded accounts sits in exactly one band as of November 1, 2026. The last two columns are the XRP those accounts controlled and what share of all XRP that came to, on the same date.
| Band (XRP) | Community name | Accounts | Percentage of accounts | XRP held | Percentage of XRP |
|---|---|---|---|---|---|
| 0-1 | Shrimp | 10,675 | 0.13% | 8,435 | under 0.01% |
| 1-10 | Shrimp | 2,656,164 | 32.03% | 4,159,837 | under 0.01% |
| 10-100 | Shrimp | 3,499,322 | 42.19% | 82,386,802 | 0.08% |
| 100-500 | Crab | 672,976 | 8.11% | 158,008,302 | 0.16% |
| 500-1k | Crab | 265,647 | 3.20% | 186,834,225 | 0.19% |
| 1k-5k | Fish | 640,498 | 7.72% | 1,442,720,327 | 1.44% |
| 5k-10k | Fish | 193,152 | 2.33% | 1,317,461,629 | 1.32% |
| 10k-25k | Dolphin | 197,702 | 2.38% | 2,946,681,444 | 2.95% |
| 25k-50k | Dolphin | 72,641 | 0.88% | 2,478,208,923 | 2.48% |
| 50k-100k | Dolphin | 40,885 | 0.49% | 2,692,148,700 | 2.69% |
| 100k-500k | Shark | 28,414 | 0.34% | 5,020,417,119 | 5.02% |
| 500k-1M | Shark | 1,998 | 0.02% | 1,325,479,613 | 1.33% |
| 1M-5M | Whale | 1,443 | 0.02% | 2,854,035,125 | 2.85% |
| 5M-10M | Whale | 162 | under 0.01% | 1,093,992,582 | 1.09% |
| 10M-100M | Grand whale | 447 | under 0.01% | 16,052,323,012 | 16.05% |
| 100M-1bn | Grand whale | 84 | under 0.01% | 21,946,858,705 | 21.95% |
| 1bn+ | Grand whale | 13 | under 0.01% | 40,385,349,268 | 40.39% |
Bands read as at least the lower bound and below the upper one. Amounts count escrowed XRP alongside spendable balances, measured as of November 1, 2026.
Reading the numbers
What the XRP balance distribution shows
The top 1% of funded XRP Ledger accounts held 92% of the XRP controlled across funded accounts as of November 1, 2026. The top 50% held over 99.9% as of November 1, 2026, which leaves the smaller half of accounts holding the rest. Those shares count escrowed XRP alongside spendable balances, and 30.55bn XRP of the total was locked in escrow as of November 1, 2026.
Concentration at the top of this list is not the same as concentration of ownership. The largest accounts on the XRP Ledger are mostly exchange and custodian wallets, and a single one of them can hold balances for millions of customers, which is why this page names an account only against evidence it can show beside the name.
Most funded accounts hold very little. Accounts holding under 1,000 XRP made up 86% of all funded accounts as of November 1, 2026, and together they held 0.43% of the XRP in funded accounts. That shape is why most people who check a balance against this list place higher than they expect.
- The top 10% threshold has moved from 2,150 XRP on July 31, 2026 to 2,061 XRP as of November 1, 2026.
- The top 1% threshold has moved from 44,926 XRP on July 31, 2026 to 43,351 XRP as of November 1, 2026.
Comparison
How much XRP is working rather than sitting idle
8,293,705 accounts were funded on the XRP Ledger as of November 1, 2026. Across the wrapped and staked XRP products tracked in the XRP yield ranking, 13,524 addresses held a position as of November 1, 2026, a figure equal to 0.16% of that XRPL account count.
The two figures count different objects and the comparison is a ratio rather than a share. An XRP Ledger account is an entry in the ledger’s own state. A tracked position is an address on Flare or Base holding a receipt token for wrapped or staked XRP, counted once per product, so a person holding two products appears twice. Both readings push the same way: the number of XRP holders with a balance doing anything at all is small next to the number of accounts that simply hold.
Every product in the XRP yield ranking is read on its own schedule, so the total is a sum of counts taken between July 25, 2026 and November 1, 2026 rather than all at one moment.
The XRP Ledger pays no protocol reward for holding a balance, and it has no validator staking, so a balance that sits on the ledger earns nothing by design rather than by neglect. The XRP yield ranking tracks where XRP-denominated rates actually come from.
Concentration
What the largest 100 accounts hold
The 100 largest XRP Ledger accounts controlled 62.64% of all XRP as of November 1, 2026, and 49.92% once known exchange wallets are set aside.
An exchange wallet is thousands of customer balances pooled into one account, so counting it as concentration reads the ledger wrong. The second figure is the closer answer to how few hands hold XRP, and it is still only as complete as the 43 accounts named in this list as of November 1, 2026.
The headline share is also mostly one entity. Ripple itself controlled 10 of these accounts as of November 1, 2026, holding 33.34% of all XRP in funded accounts on that date, which is more than half of everything the top 100 held. Most of it cannot move: 29.00bn XRP of that position sat in onchain escrow as of November 1, 2026, released against a published schedule rather than sitting as a spendable balance.
Set every named group aside and 57 accounts are left, holding 12.84% of all XRP as of November 1, 2026. Those are the positions this page cannot attribute to anyone as of that date, and they are the part of the ranking where a reader learns something a headline share does not tell them. Each group can be filtered out of the ranking above, so the remainder reads on its own.
One more distinction worth keeping. The 12 founder accounts are personal balances attributed to people who co-founded Ripple, holding 3.73% of all XRP as of November 1, 2026. They are counted apart from the company because the company does not control them, and a total that merges the two overstates what Ripple holds by that margin.
The largest holding attributed to a person rather than to a company or a trading venue was 500,000,001 XRP, worth about $625,721,001 at 1.2514 US dollars per XRP as of November 1, 2026, at rank 28 in the list above.
Shares are of all XRP in funded accounts, spendable and escrowed together. An exchange wallet holds balances for many customers, so excluding those is the closer read on how concentrated ownership is.
Ownership
Who owns the most XRP?
Ripple controlled 10 of the 500 largest XRP Ledger accounts as of November 1, 2026, holding 33% of all XRP in funded accounts.
The largest exchange holding XRP is UPbit, with 6.43bn XRP across 11 accounts as of November 1, 2026, ahead of every other custodial venue in this ranking.
The largest single account attributed to an individual rather than a company held 500.00M XRP as of November 1, 2026, at rank 28 in the list above.
| Exchange | XRP held | Ranked accounts | Percentage of XRP in funded accounts |
|---|---|---|---|
| UPbit | 6.43bn | 11 | 6.4% |
| Binance | 2.21bn | 4 | 2.2% |
| Bithumb | 1.82bn | 1 | 1.8% |
| bitbank | 574.67M | 1 | 0.57% |
| Coincheck | 553.45M | 1 | 0.55% |
Exchange accounts hold XRP for customers rather than for themselves, so a venue high in this list reflects how many people keep XRP there rather than what the venue owns. Names come from XRPSCAN rather than from this page, and only the 22 exchange accounts identified inside the 500 ranked accounts as of November 1, 2026 are counted.
Ownership
How much XRP does Ripple hold?
Ripple controlled 10 of the 500 largest XRP Ledger accounts as of November 1, 2026, holding 33.34bn XRP, which is 33% of all XRP in funded accounts.
Of that, 29.00bn XRP sat in onchain escrow as of November 1, 2026 and the remainder was spendable. Ripple also holds XRP in operational accounts that fall below the 500th rank as of November 1, 2026, so this is the ranked portion rather than Ripple's full position.
The percentage above is measured against all XRP in funded accounts as of November 1, 2026, not against the 100 billion units created when the ledger launched. Figures quoted elsewhere sometimes use the second denominator, which is why they run higher.
Named holder
How much XRP does Chris Larsen hold?
Accounts attributed to Chris Larsen, Ripple’s co-founder and executive chairman, held 2,532,688,428 XRP as of November 1, 2026, worth about $3,169,512,672, across 6 accounts in the ranking above.
Larsen’s ranked accounts held 2.53% of all XRP in funded accounts as of November 1, 2026. The figure covers ranked accounts only, so any balance held further down the ledger is not in it, and the attribution comes from the label registry rather than from a claim this page makes about who controls a key.
Forbes put his total net worth at $11,500,000,000 as of August 1, 2026, which puts the XRP above at 28% of it as of November 1, 2026. That total is cited rather than measured. This page reads the XRP Ledger and nothing else, so the holding is ours and the net worth belongs to Forbes, who describe it as a real-time figure that moves with the market.
The denominator
XRP supply: circulating, escrowed and burned
99,985,574,801 XRP existed on the XRP Ledger as of November 1, 2026, read from the ledger’s own total supply field at ledger 108,039,322 rather than from a market tracker.
Market listings usually quote a circulating supply that leaves out the XRP locked in onchain escrow, because escrowed XRP cannot be sold until it is released. Both figures are below, along with the escrow they differ by, so the number a reader arrives with can be matched to a definition rather than guessed at.
| Measure | XRP | Share of total |
|---|---|---|
| Total supply on the ledger | 99,985,574,801 | 100% |
| Locked in onchain escrow | 30,545,208,085 | 30.55% |
| Circulating, escrow excluded | 69,440,366,716 | 69.45% |
| Destroyed by fees since launch | 14,425,199 | 0.01% |
XRP was created once, at launch in 2012, with 100,000,000,000 units and no way to make more. Every transaction destroys a small fee, so the total only falls, which is why the total on the ledger as of November 1, 2026 is 14,425,199 XRP below the amount that was created.
The 14,425,199 XRP gap is the total destroyed since launch as of November 1, 2026 and not a rate. A burn rate needs two measurements taken at different times, and this page reads one ledger, so it can state the amount gone and not how fast it is going.
The escrowed XRP sat in 14,621 escrow objects held by 1,707 accounts as of November 1, 2026, each with its own release date set onchain.
Summing every account balance read in the walk gives 99,985,487,282XRP against the ledger’s own total of 99,985,574,801 XRP as of November 1, 2026, a gap of 0.0001% that comes from XRP held in ledger objects other than accounts.
Earning on XRP
XRP yield sources: where people earn on XRP
Holding XRP on the XRP Ledger pays nothing, so every rate on XRP-denominated capital is earned somewhere else. 13,524 addresses were already holding a wrapped or staked XRP product onchain as of November 1, 2026, across 14 products on Flare and Base. These are the four places that rate comes from.
Open the XRP yield report- Lending markets
- Vaults
- Liquidity venues
- Fixed-rate products
The most used of these was FXRP on Upshift, where 8,991 wallets held $36.5M at 1.61% as of November 1, 2026.
No venue in Harvest’s XRP yield ranking pays a native XRP staking rate, because the XRP Ledger does not offer one. Every rate in that ranking is read from the venue’s own contracts rather than from an aggregator.
Open the XRP yield reportQuestions
XRP rich list questions
What people ask about XRP holder counts and thresholds, answered from the November 1, 2026 ledger snapshot behind this page.
Is there an XRP rich list?
Yes, and it is also written as XRP richlist in one word, XRP rich-list with a hyphen, rich list XRP with the words reversed, or XRP rich list wallets. The XRP Ledger is public, so this page reads all 8,293,705 funded accounts from ledger 108,039,322, closed November 1, 2026 at 06:03 UTC, and ranks them by the XRP each one controls. How the walk and its histogram work, including the 0.1152% threshold resolution that applied on November 1, 2026, is set out in the method section further down this page.
How often is this XRP rich list updated?
Four times a day. The figures on this page come from ledger 108,039,322, which closed November 1, 2026 at 06:03 UTC, and the next walk replaces every number here with a reading from a later ledger. Nothing is averaged or carried over between runs: each update is one pass over every account in a single validated ledger, so the page always describes a state that existed rather than a blend of several.
How many XRP do you need to be in the top 1%?
A balance of 43,351 XRP put an account in the top 1% of funded XRP Ledger accounts as of November 1, 2026. That tier held 92% of all XRP in funded accounts as of November 1, 2026.
How much XRP to be in the top 10 percent?
A balance of 2,061 XRP put an account in the top 10% of funded XRP Ledger accounts as of November 1, 2026, and that tier held 99.1% of all XRP in funded accounts on the same reading. The top 50% started far lower, at 20 XRP as of November 1, 2026, which is the gap that makes most holders rank higher than they expect.
What percentage of XRP holders own more than 10,000 XRP?
4.1% of funded XRP Ledger accounts held at least 10,000 XRP as of November 1, 2026, which is 342,277 accounts out of 8,293,705. The count is tallied directly on every walk rather than read off the histogram, which is what makes it exact.
Where can I see a list of XRP holders?
The list of the 500 largest XRP holders sits further down this page, ranked by the XRP each account controls as of November 1, 2026. Every row comes from ledger 108,039,322, closed November 1, 2026 at 06:03 UTC, rather than from a third-party index, and the accounts that could be identified are labelled with the exchange, company or person behind them. The remaining 8,293,205 funded accounts as of November 1, 2026 are not listed one by one, and the distribution chart above the list is where they are counted instead.
How many people own XRP?
Nobody can say from ledger data alone. 8,293,705 XRP Ledger accounts were funded as of November 1, 2026, and that is a count of accounts rather than of people: one person can open many, and the 22 exchange accounts identified in this ranking held 12.77bn XRP as of November 1, 2026 for customers who have no account of their own. Estimates of 18 to 25 million owners worldwide, as circulated in 2026, combine ledger addresses with exchange customer counts, and neither input can be checked against the ledger.
How many XRP wallets are there?
8,293,705 XRP Ledger accounts were funded as of November 1, 2026, read from ledger 108,039,322. An account has to hold the base reserve to exist at all, so accounts emptied below it are not counted, and an address that never received XRP has no ledger entry to count.
Is an XRP account the same as a holder?
No. An account is an entry on the XRP Ledger and a holder is a person or a company, and the two do not map one to one in either direction. One holder can control many accounts, which is why 10 of the 500 largest accounts as of November 1, 2026 belong to a single company, and one account can hold XRP for very many people, which is what an exchange account is.
How much XRP should I own?
Nobody can answer that for you, and nothing on this page is advice: the amount is a question about your own circumstances rather than about the ledger. What the ledger can tell you is where any amount places you: 43,351 XRP sat at the top 1% mark as of November 1, 2026, 2,061 XRP at the top 10% and 20 XRP at the top 50%. The calculator above places any balance against all 8,293,705 funded accounts as of November 1, 2026, without a wallet connection.
How many XRP holders have 10,000 or more?
342,277 funded XRP Ledger accounts held at least 10,000 XRP as of November 1, 2026, out of 8,293,705 funded accounts in total. At the round balances either side of it, as of November 1, 2026: 1,172,907 accounts held at least 1,000 XRP, 185,291 held at least 20,000 XRP, 32,379 held at least 100,000 XRP, and 2,136 held at least 1,000,000 XRP. Every one of those counts is exact rather than read off the histogram.
How many XRP Ledger accounts are there?
8,293,705 accounts were funded on the XRP Ledger as of November 1, 2026. An account cannot exist on the ledger without meeting the base reserve, which validators lowered to 1 XRP in December 2024, so every account in that count holds a balance.
Who owns the most XRP?
The largest single XRP Ledger account held 5.00bn XRP as of November 1, 2026, which is 5.0% of the XRP in funded accounts. Large accounts are usually exchange or custodian wallets holding balances for many customers rather than one owner, and this page names an account only against evidence it can show beside the name.
Is XRP ownership concentrated?
The top 1% of funded XRP Ledger accounts held 92% of the XRP in those accounts as of November 1, 2026. The top 50% held over 99.9% as of November 1, 2026, which means the lower half of accounts together held the remainder.
How much XRP does Ripple hold?
Ripple the company controlled 33,336,954,487 XRP as of November 1, 2026, worth about $41,719,264,997, across 10 accounts in the ranking on this page. That is 33.34% of all XRP in funded accounts as of November 1, 2026. Most of it cannot move: 29,000,000,000 XRP of that total sat in onchain escrow as of November 1, 2026, released on a schedule set in the ledger rather than held as a spendable balance. Wallets belonging to Ripple's co-founders are counted separately and are not in this figure.
Which exchange holds the most XRP?
UPbit held the most XRP of any exchange in this ranking as of November 1, 2026, with 6,426,893,531 XRP worth about $8,042,884,494 across 11 accounts. An exchange wallet holds balances for many customers at once, so a figure like this describes a venue's deposits rather than one owner's fortune. Known exchange wallets held 12,715,960,709 XRP between them as of November 1, 2026, across 21 of the ranked accounts.
What is XRP's circulating supply?
99,985,574,801 XRP existed on the XRP Ledger as of November 1, 2026, read from the ledger's own total supply field rather than from a market tracker. Market listings usually quote a circulating supply that excludes XRP locked in onchain escrow, which was 30,545,208,085 XRP on that date, leaving 69,440,366,716 XRP circulating under that definition as of November 1, 2026.
How much XRP has been burned?
14,425,199 XRP had been destroyed by transaction fees as of November 1, 2026, measured as the gap between the 100,000,000,000 XRP created at launch and the 99,985,574,801 XRP the ledger reported on that date. Every XRP Ledger transaction destroys a small fee and no mechanism creates new XRP, so the total only falls. That is the amount gone since launch rather than a burn rate: a rate needs two measurements at different times, and this page reads one ledger.
Is 1,000 XRP a lot?
1,172,907 of the 8,293,705 funded XRP Ledger accounts held at least 1,000 XRP as of November 1, 2026, so a balance that size sat above 86% of them and was worth about $1,251 at 1.2514 US dollars per XRP on that date. Most accounts on the ledger hold very little, which is why a balance that feels small still places well up the distribution.
How many XRP would make you an XRP millionaire?
799,078 XRP was worth one million US dollars as of November 1, 2026, at 1.2514 dollars per XRP. About 2,552 funded XRP Ledger accounts held at least that much as of November 1, 2026, which is 0.03% of all funded accounts. The XRP figure moves with the price, so the balance needed changes daily even when nobody buys or sells.
What is the median XRP balance?
Half of all funded XRP Ledger accounts held 20 XRP or less as of November 1, 2026, so that is the median balance. The mean sits far higher because a few accounts holding billions pull it up: 8,293,705 accounts shared 99.99bn XRP as of November 1, 2026. When a distribution is this skewed the median describes a typical holder and the mean does not.
What share of all XRP do the top 100 wallets hold?
The 100 largest XRP Ledger accounts held 62.64% of all XRP in funded accounts as of November 1, 2026. Taking known exchange wallets out of that leaves 49.92% as of the same date, which is the closer read on concentration, because an exchange wallet holds balances for many customers rather than for one owner.
How much of all XRP sits on exchanges?
Known exchange wallets in the top 100 held 12,715,960,709 XRP as of November 1, 2026, which is 12.72% of all XRP in funded accounts and worth about $15,913,287,302. That covers the 21 accounts this page could attribute to a venue as of November 1, 2026, so it is a floor rather than a total: an exchange wallet nobody has identified is counted as unnamed.
How much XRP is locked in escrow?
30,545,208,085 XRP sat in onchain escrow as of November 1, 2026, which is 30.55% of all XRP in funded accounts, held in 14,621 escrow objects across 1,707 accounts. Escrowed XRP cannot be spent until the release date written into the ledger, and this page counts it toward the balance of the account that owns it, because that is what the account controls.
How many XRP holders earn yield on their XRP?
13,524 addresses held a wrapped or staked XRP product across 14 tracked venues as of November 1, 2026, against 8,293,705 funded XRP Ledger accounts as of November 1, 2026. The two count different objects, so the comparison is a ratio rather than a share, and as of November 1, 2026 it works out at 0.16%. The XRP Ledger pays no protocol reward for holding a balance and has no validator staking, so a balance that sits there earns nothing by design.
What counts as an XRP whale?
There is no official threshold, so the honest answer is a distribution rather than a number. 2,149 of the 8,293,705 funded XRP Ledger accounts held 1,000,000 XRP or more as of November 1, 2026, which is 0.03% of them, and those accounts controlled 82% of all XRP on that date. Above them, 544 accounts held 10,000,000 XRP or more as of November 1, 2026. For a threshold that moves with the ledger rather than a round number, the top 1% of accounts started at 43,351 XRP as of November 1, 2026.
Method
How this XRP rich list is built
- Source
- Every AccountRoot object in one validated XRP Ledger, read over public JSON-RPC from XRP Ledger nodes. Ledger 108,039,322 closed November 1, 2026 at 06:03 UTC and is the single source for every figure on this page. No explorer rich list and no third-party dataset is used.
- Why one ledger
- The XRP Ledger closes a new version every three to five seconds. The walk is pinned to one ledger index so the snapshot describes a state that actually existed, rather than mixing accounts read seconds apart.
- What counts as a funded account
- Every AccountRoot in the ledger. An XRP Ledger account cannot exist without meeting the base reserve, which validators lowered to 1 XRP in December 2024, so the count of AccountRoot objects is the count of funded accounts.
- What each account is ranked on
- The XRP an account controls, which is its spendable balance plus anything it has locked in onchain escrow. The two are separate on the ledger: escrowed drops leave the account’s balance and sit in an Escrow object until their release date. Ranking on balance alone would put the six largest XRP positions on the network outside this list, since each of those accounts holds a few hundred XRP spendable against billions locked.
- How percentiles are computed
- Balances are aggregated into a log-spaced histogram as they stream, at 2,000 buckets per decade, which bounds the error on any tier threshold shown for November 1, 2026 at 0.1152%. Counts quoted at round balances as of November 1, 2026, such as the number of accounts holding at least 10,000 XRP, are counted exactly rather than read off the histogram.
- How the walk is checked
- Spendable balances and escrowed XRP, both read at ledger 108,039,322, came to 99,985,487,282XRP against the ledger’s own total supply of 99,985,574,801 XRP as of November 1, 2026, a difference of 87,519 XRP, or 0.000088% of supply. That remainder sits in ledger objects which also hold XRP outside an account balance, chiefly payment channels, and it is reported rather than distributed across accounts it cannot be attributed to. The check earns its place by size: a walk that missed pages would show a gap of billions rather than of thousands, which is how a truncated escrow pass was caught during development.
- Labels
- An account is named only against evidence the page can show: a domain the account publishes onchain, an operator whose domain lists the address under the XRP Ledger’s own standard, an address the operator published officially, or an attribution by a named data provider. Which one applies is printed next to every name. Identity is never inferred from how an account transacts, and the build rejects a label that cannot state its source.
- Known limitations
- An account is not a person. Exchanges and custodians hold balances for many customers in a small number of accounts, and one person can control many accounts, so this distribution describes accounts rather than owners. Balances held off the XRP Ledger, including XRP wrapped onto other networks, are outside it.
Published by Harvest Research. Figures on this page are informational research, not financial advice.