🪙 Comprehensive Analysis of $XRP Distribution (2025)

#### 📊 **1. Total Supply Breakdown**

- **Max Supply**: 100 billion XRP .

- **Circulating Supply**: 54.4–59.24 billion XRP (54–59% of total supply), actively traded on exchanges .

- **Escrowed Supply**: 35.9–35.99 billion $XRP (36% of total), locked in smart contracts with scheduled releases .

- **Ripple Holdings**: 4.85–7.6 billion XRP (5–7.6%) held in company reserves for operational use .

- **Burned Tokens**: 10–14 million XRP permanently removed from supply .

#### 🏦 **2. Ownership Concentration**

- **Top Holders**:

- **Ripple Labs**: Controls **42–46%** of total supply (41–46 billion XRP), including escrow and reserves .

- **Exchanges**: Binance, Bithumb, Uphold, and Upbit collectively hold **8–10%** of circulating supply (e.g., Binance: 1.51B XRP) .

- **Whales**: Top 20 wallets own **50%** of supply; top 100 control **70%** .

- **Institutional vs. Retail**: 71% of XRP is held by the top 1% of wallets (mostly institutions/exchanges), while retail holds minimal shares .

#### 👛 **3. Wallet Distribution Tiers**

| **Tier** | **XRP Required** | **% of Wallets** | **Notes** |

|-------------------------|------------------------|------------------|----------------------------------------|

| **Top 10%** | ≥2,486 XRP | 10% | ~660,000 wallets |

| **Top 5%** | ≥8,758 XRP | 5% | Entry cost: ~$19,200 (at $2.19/XRP) |

| **Top 1% (Whales)** | ≥50,637 XRP | 1% | ~66,300 wallets |

| **Top 0.01% (Elite)** | ≥5,000,000 XRP | 0.01% | 663 wallets; likely institutions/founders |

- **Total Wallets**: 6.6 million, but only **<1 million unique holders** due to duplicate/inactive addresses .