How Much XRP Does Ripple Own?
Escrow: on-chain, as of October 22, 2026 · Operational: company-reported (Q3 2024) · Founders: estimates
How much XRP does Ripple own? As of October 22, 2026, Ripple owns roughly 36.14 billion XRP — about 36.1% of the total 100 billion supply. That splits into 31.40 billion XRP locked in escrow, read on-chain from the XRP Ledger, and 4.74 billion XRP in operational (non-escrow) holdings — a static figure from Ripple's Q3 2024 company report, not a live on-chain read. The original founders hold an estimated ~4.60 billion XRP separately; those are estimates from public reports, not on-chain totals.
Ripple’s XRP, broken down by source
| Holding | XRP | % of supply | Source |
|---|---|---|---|
Ripple escrow Locked in cryptographic escrow, released monthly | 31.40B | 31.40% | On-chain: rippled Escrow objects (October 22, 2026) |
Ripple operational Non-escrow holdings held by Ripple Labs | 4.74B | 4.74% | Company-reported: Ripple Q3 2024 report (static, not an on-chain read) |
| Ripple total | 36.14B | 36.14% | Sum of the above |
Escrow is summed from live on-chain Escrow ledger objects via rippled (self-correcting: a released tranche drops out of the ledger automatically), not XRPScan’s nightly cache. Prices at $1.31/XRP.
What about the founders?
The founders held XRP personally — separate from Ripple the company. Together they are estimated to hold roughly 4.60 billion XRP. These are estimates from public reports and statements (oldest entry January 16, 2026), not on-chain totals: only part of the founders' wallets is publicly identified.
| Founder | XRP held | Basis | Note |
|---|---|---|---|
| Chris Larsen | 2.60B | Estimate (Forbes) | Estimated 2.5-2.7B XRP. Received 9.5B at founding (2012), donated 1B+, sold portions. Forbes crypto billionaire. |
| Arthur Britto | 2.00B | Estimate (unsourced) | Estimated ~2B XRP. Received similar allocation to Larsen at founding. Very private, no public disclosures. |
| David Schwartz | 1M | Self-reported | Ripple CTO. Re-stated publicly on 2026-07-20 (widely covered) that he holds "above one million XRP" (early grants ~26M peak, sold most over the years). Prior 500M figure was an unsourced role-seniority estimate; corrected to his own stated ~1M+ 2026-07-23. No public wallet — remains low-confidence self-reported. |
| Jed McCaleb | 0M | On-chain (sold out) | Sold his entire ~9B XRP allocation over 8 years; "tacostand" settlement wallet (rEhKZcz5Ndjm9BzZmmKrtvhXPnSWByssDv) fully emptied July 2022, now holds ~177 XRP dust. Effectively 0. Verified on-chain via rippled account_info (2026-07-23). |
Frequently asked questions
How much XRP does Ripple own?
As of October 22, 2026, Ripple holds about 36.14 billion XRP (~36.1% of the 100 billion total supply): 31.40 billion in cryptographic escrow, read directly from the XRP Ledger, plus 4.74 billion in operational holdings as reported by Ripple for Q3 2024 (a company-reported figure, not an on-chain read).
How much XRP is in Ripple’s escrow?
As of October 22, 2026, 31.40 billion XRP is held in on-chain escrow, summed from the actual Escrow ledger objects via the rippled JSON-RPC API (not XRPScan’s cached figure, which over-counts released tranches). Ripple releases up to 1 billion XRP per month, with the unused portion re-escrowed.
Do the founders’ holdings count as Ripple’s XRP?
No. The founders held XRP personally, separate from Ripple the company. Chris Larsen and Arthur Britto are estimated to retain sizeable holdings (estimates, not on-chain totals), David Schwartz holds a comparatively small, self-reported amount, and Jed McCaleb sold his entire allocation — his settlement wallet was emptied in July 2022 and now holds only dust.
How much of the total XRP supply does Ripple control?
As of October 22, 2026, about 36.1% of the 100 billion XRP is held by Ripple (on-chain escrow plus company-reported operational holdings). Including the founders’ estimated personal holdings, insiders account for roughly 40.7% of total supply.
How we measure this
Each figure is labeled by where it comes from. Escrow is the sum of on-chain Escrow ledger objects (rippled account_objects), read daily. Ripple's operational holdings are the static figure from Ripple's Q3 2024 company report, not a live on-chain read. Founder holdings are estimates from public reports and statements — the Basis column above shows the source of each. The XRP price is exchange-sourced. See the full methodology on the XRP Radar and the machine-readable supply dataset.
Track the full picture — where all 100 billion XRP lives (ETFs, treasuries, DeFi, RWA, exchanges, escrow) — on the XRP Radar.