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Inside the XRP Elite: Who Holds the Keys to Ripple’s Future?

2025-07-09 15:00:30

Inside the XRP Elite: Who Holds the Keys to Ripple’s Future?

Main Idea

The article explores the ownership distribution of XRP, focusing on Ripple Labs, its founders, major institutional holders, and the broader XRP community, while addressing the centralization vs. decentralization debate.

Key Points

1. Ripple Labs holds approximately 46 billion XRP, nearly half of the total supply, and releases tokens on a scheduled basis to manage market supply and price volatility.

2. Key individuals like Chris Larsen, Brad Garlinghouse, and Jed McCaleb hold significant amounts of XRP and influence Ripple's direction.

3. Cryptocurrency exchanges hold large reserves of XRP on behalf of users, with ownership highly concentrated among a small group of 'whales'.

4. The top 10 wallets hold over 41% of the total XRP supply, while the top 20 wallets control more than 50%.

5. The XRP community includes millions of wallets globally, but many users store XRP on exchanges, making the true number of individual holders likely higher.

6. The centralization vs. decentralization debate centers on Ripple's control over XRP's supply, with arguments for institutional stability and against market manipulation risks.

Description

XRP, the digital asset created by Ripple Labs, has long been at the center of debate—not just for its innovative approach to global payments, but for the question: Who really owns XRP? Is it a decentralized token or is its fate controlled by a handful of powerful entities and individuals? This article unpacks the ownership structure of Ripple, the company, and delves deep into the distribution of XRP among major holders, exchanges, and the wider community. Understanding who owns XRP is crucial f...

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