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Top 40 XRP wallets hold 55.84B XRP, mostly locked in Ripple escrow, not liquid assets.

Market News
21 Jul 2026
Bitcoin
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Neutral
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The 40 largest XRP wallets collectively hold 55.84 billion XRP, but much of this is tied up in Ripple's escrow contracts, limiting immediate supply. Ripple controls 16 of these wallets with 32.44 billion XRP still locked in escrow, while major exchanges like Upbit, Bithumb, and Binance hold significant direct balances. This distribution shows that XRP supply is concentrated in corporate and custodial wallets rather than individual holders, meaning large movements or changes in escrow status will be key signals for traders. The top 40 list reflects custody and supply structure more than imminent market activity.

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