Ripple Labs, the company that created XRP, holds the most XRP, controlling approximately 42% of the total supply through operational funds and a structured escrow system.
Ripple Labs remains the single largest holder of XRP, controlling around 42% of the total supply. These holdings are primarily managed through the company's escrow system. Chris Larsen personally holds roughly 2.5 billion XRP across several wallets, accounting for about 4.6% of the global market capitalisation.
From this, wallets holding between 5,000 and 9,999 XRP amount to about 72,500. Given that this range starts at exactly 5000, you can estimate that at least 72,500 wallets hold 5000 XRP or more. As on-chain data is updated daily, this count might fluctuate— always consult reliable sources for the most current figures.
XRP is up 260% over the last five years (as of Nov. 30). To put it another way, if you had invested $100 in XRP five years ago, your position would now be worth $360.
Then comes the true elite tier. The top 1% of XRP holders hold roughly 50,000 XRP, equal to about $142,000 at the current price. That's the point where the conversation shifts from hobby investing to serious commitment.
Digital Ascension Group CEO Jake Claver once made a bold prediction: XRP will hit $100 before 2026. Now, it is Jan. 1. And XRP is nowhere near a three-figure price. The last day of 2025 saw an intense debate on Claver's price prediction, and the XRP community was divided.
To rank in the top 10% (711,764 accounts), a balance of at least 2,349.787231 XRP must be maintained. This structured breakdown underscores the sharp distribution gap between the largest and smallest account brackets, highlighting how quickly balances taper off beyond the top 1%.
It's highly unlikely. With a circulating supply of 57.1 billion tokens, a $1,000 price would push XRP's market cap to $57 trillion—more than double the U.S. GDP and over half the total value of the global stock market. Is XRP a good investment?
XRP Market Cap Math Shows Why $1,000 Looks Unrealistic
15, 2025, XRP holds a circulating supply of about 59.9 billion tokens. At current prices, this gives the cryptocurrency a market value of $145 billion.
✨Ripple's Position if SWIFT Adopts Blockchain
If SWIFT chooses a model similar to Ripple's, the XRP Ledger becomes a viable option for real-time cross-border settlement. Ripple already targets these functions through XRP-based liquidity routing and instant finality.
XRP, despite its current utility and potential to evolve into a more multifaceted player in the payments world, is structurally different from Bitcoin. I like to think of XRP as more of a business -- or at least an extension of a business (Ripple) -- whereas Bitcoin is more of a store of value.
Ripple's XRP ecosystem just hit a major milestone: over 300 banks and financial institutions have now partnered with RippleNet. These include firms across North America, Europe, Asia, and the Middle East, using Ripple's blockchain rails for cross-border settlement and liquidity.
While some predict XRP could reach $10,000, it's considered extremely unlikely by most experts due to the astronomical market capitalization required, which would dwarf the entire global economy; realistic targets focus on much lower figures driven by adoption and utility in global payments, though a few analysts still hold out hope for significant long-term growth if the network achieves mass adoption and major supply changes occur.
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If XRP becomes the backbone of a future digital economy and is adopted widely, we could see the token rise in value—although perhaps not to $100,000 without an unprecedented adoption rate. 3. Token Supply and Pricing Pressure 🔄: Unlike Bitcoin's capped supply, XRP started with 100 billion tokens.
In most cases, XRP is used as a bridge currency for on-demand liquidity outside the U.S. A bridge currency gives businesses a common currency to use in international and cross-border financial transactions, similar to the way the U.S. dollar has been used.
Should you invest in XRP today? XRP might be worth considering over the next five years if those catalysts materialize. However, investors shouldn't bet the farm on XRP today because it still has a lot to prove. For now, it can't be valued by its scarcity like Bitcoin (BTC +0.08%) because it can't be actively mined.
According to the analyst from Crypto Aiman YouTube channel, at the current price of $2.5 per XRP tokens, anyone hoping to reach $1 million would need roughly 400,000 XRP. That's quite a large number, but Aiman believes this figure will change as the Ripple price grows in the coming years.
The reason it's not too late to buy XRP is because of the expected growth of the cross-border payment market. According to Allied Market Research, the global cross-border payments market is expected to grow from roughly $206 trillion at the end of 2024 to around $414 trillion by 2034.
Although it is not possible to directly mine XRP, HashJ was designed to allow people to still earn XRP in 2025 through cloud mining, liquidity pools and lending, through these and many other innovative ways.
In 2021, Elon Musk confirmed that he owned BTC, ETH, and DOGE in a Twitter post. In the tweet, Musk playfully referred to these cryptocurrencies as 'ascii hash strings' to suggest that digital assets are nothing more than hashed sequences.
Meanwhile, of the 329,000 wallets with 10,000 XRP and above, only 1,980 hold at least 1 million XRP, representing just 0.026% of the total wallets on the ledger. Further, accounts with at least 10 million XRP ($24 million) add up to just 508 globally.
Large banks such as Santander use Ripple's technology to power faster consumer remittances. U.S. banks have also shown interest. PNC Bank has joined RippleNet, and Bank of America has confirmed pilot programs using Ripple's infrastructure.