Of 99.99B XRP, 31.4% sits locked in and the top 100 accounts hold 31.6%. Accounts are not people.
Curious about a wallet? Open it in the checker to see the label source, the funding account and when it last moved.
Top accounts are mostly exchanges, Ripple and custodians; one exchange wallet holds many customers
Against circulating supply (68.59B, escrow excluded) the top 100 hold 46.0%.
Of 455 unnamed wallets holding 5M+ XRP, 157 (8.42B XRP combined) have not sent anything for over a year.
Incoming funds do not count: big wallets constantly receive unsolicited dust, so we only count transactions the owner signed
We scan every account balance on the ledger ourselves and keep the top 20,000; total supply and escrow are read from the ledger too. Exchange and Ripple shares only add wallets we have labeled, so they can be lower than the real figure. Refreshed weekly with the whale-flow scan. How it moved this week is in the weekly master report. As of October 26, 2026.
Woke up this week
We compare each wallet’s ledger Sequence with a year ago; it only increases when the owner sends a transaction. Tap an address to open it in the checker.