Prominent XRP Holders Revealed: Uphold, Binance, and Ripple Dominate with Billions in Reserves

Prominent crypto influencer Brett (@Brett_Crypto_X) recently shared an image revealing the top XRP wallet holders, drawing attention to the significant holdings of major institutions like Uphold, Binance, and Ripple.

Prominent crypto influencer Brett (@Brett_Crypto_X) recently shared an image highlighting the top XRP wallet holders, revealing substantial holdings by major institutions like Uphold, Binance, and Ripple.

The image, which Brett shared on Monday, showcases the top five XRP wallets. Uphold claims the apex spot with 1.83% of the total XRP supply, amounting to roughly $3.7 billion at current prices. Following closely is another large wallet, recognized by the community as one of Bithumb’s wallets, holding 1.56 billion XRP, valued at approximately $3.1 billion.

Further down the list, Binance, the world’s largest exchange, appears in third place with around $2.7 billion in holdings. Among the top five, Ripple controls two wallets, rendering a collective sum of over 2.5 billion XRP.

"Someone with unnamed hold approx 3 billion $XRP 👀," Brett noted in his post.

Top 5 XRP wallets.

Uphold is holding 1.83 billion XRP.

Bithumb is holding 1.56 billion XRP.

Binance is holding 1.54 billion XRP.

Another large wallet is holding 1 billion XRP.

Ripple is holding 964 million XRP.

It seems like institutions are massively buying XRP.

What do you think?

— Brett (@Brett_Crypto_X) April 10, 2025

Brett’s post underscores the growing momentum surrounding XRP as several entities are accumulating billions in tokens, a move that signals long-term confidence in the asset.

Moreover, experts are increasingly encouraging retail investors to quickly accumulate XRP as it might play a pivotal role in the future of finance. However, with such large amounts of tokens concentrated in institutional hands, individual holders might have to move swiftly to secure a meaningful position before broader adoption drives further demand.

The image in Brett’s post reveals Uphold at the top with over 1.83 billion XRP, valued at around $3.7 billion. The second-highest wallet, now believed by the community to belong to Bithumb, holds over 1.56 billion XRP, worth approximately $3.1 billion.

Binance, the largest global exchange, appears third with around $2.7 billion in holdings. Finally, Ripple controls two of the top five wallets, rendering a collective sum of over 2.5 billion XRP.

Such heavy accumulation by institutions underscores a broader trend: increasing confidence in XRP’s future utility. Many analysts argue that XRP’s speed and low-cost transactions make it well-suited for cross-border payments and financial infrastructure, a view supported by these major holdings.

Now that Ripple is free to sell tokens to institutional investors, this adoption could rise rapidly in the coming months as regulatory clarity improves.

Several community responses to Brett’s post highlight a sense of urgency. One commenter stated, "When giants are stacking billions in XRP, you don’t second guess, you accumulate." This belief stems from the growing concentration of XRP in institutional wallets, which may limit availability for retail investors as adoption increases.

It's no secret that climbing the ranks of token holders has become significantly difficult. With over 3 billion XRP held collectively by the top three wallets, the data suggests that retail investors face an increasingly competitive landscape.

One prominent XRP proponent recently stated that not holding at least 1,000 XRP is insanity. Brett and the broader XRP community message is clear: institutional interest is growing, and those who act early could benefit most.