November 2025 XRP Rich List: Who Owns the Most XRP?

XRP continues to play a pivotal role in global finance in 2025, supporting fast and affordable cross-border transactions. With a total supply of 99.98 billion tokens, Ripple’s XRP remains a major player in the cryptocurrency space, with significant holdings across key entities.

The recent XRP Rich List indicates that there is a concentration of ownership among the few. The largest of the XRP are owned by Ripple Labs, large exchanges, and individuals with deep pockets. This is the concentrated distribution that has remained to influence the market of XRP. 

Although it has been adopted by many financial institutions, the amount of the token in the market is still concentrated in the hands of a few organizations. Here is the point of stranglehold on the future of XRP and its financial industry presence.

At the time of writing, the price of XRP climbed to $2.43. The XRP price performance during the last few weeks has shown noticeable fluctuations, reflecting a mixture of ups and downs

XRP Rich List Update for November 2025: Top Holders Revealed

Ripple Labs is presently endowed with nearly 40% of the entire supply of the currency in the form of escrowed reserves, which is also a significant aspect of the market dynamics of the currency. Based on the most recent distribution statistics, the overall supply of XRP is 99,985,761,470 tokens.

Of this, 34,762,149,851 XRP are under escrow, and a smaller part, 14,238,530 XRP, has been burned. The supply is at present 65,209,373,089 XRP in circulation, and the majority of the supply is held by Ripple Labs and other leading holders

Such exchanges as Binance, Bithumb, Upbit, and Uphold also possess a significant amount of XRP in their custody. Such a concentration of ownership of ownership plays a big part in the liquidity, volatility of prices, and general adoption of the cryptocurrency.

Top 14 XRP Holders in November 2025

According to the latest XRP Scan, Ripple Labs’ escrow wallets continue to dominate the list of the largest XRP holders. These wallets, which are designed to manage the release of XRP into circulation, remain the primary source of large XRP balances. 

Following Ripple’s wallets, major cryptocurrency exchanges such as Binance, Bithumb, and Uphold also feature prominently among the top holders of XRP.

The fact that Ripple is present in the escrow accounts and the reserves the major exchanges have are large is an indication that centralized platforms are significant to the XRP ecosystem. However, the XRP amount in the escrow maintained by Ripple contains the greatest amount of the currency to the overall supply of this currency, although these exchanges possess high quantities of XRP.

One such distribution model, where Ripple decides the quantity of XRP to issue at that particular time, is a model that continues to have an impact on the market. It ensures there is a stable stream and still provides Ripple with a massive contribution to establish the existence and turnover of the cryptocurrency.