Ripple and its founders are among the top individual holders of XRP.
Chris Larsen: Co-founder and former CEO of Ripple, Chris Larsen holds a substantial amount of XRP, including five wallets in the top 40 with around 500 million XRP each. Together, these wallets represent 2.5% of the total circulating supply of XRP.
Brad Garlinghouse: The current CEO of Ripple, Brad Garlinghouse, also holds a significant amount of XRP, though the exact quantity isn't specified
Jed McCaleb: Another co-founder, Jed McCaleb, was allocated billions of XRP but has been selling his holdings over the years according to a pre-agreed schedule.