Who holds the most XRP?

Exchanges, mostly. Right now the largest account is Bithumb’s, holding 1.84% of all XRP; the escrowed XRP sits in escrow objects, not in any account.

Does XRP moving to an exchange mean someone is selling?

Not necessarily. It moves the coins where they can be sold, but exchanges also move XRP between their own wallets, and a deposit can be collateral or a transfer to a customer.

How do I get alerts when a wallet moves?

Add it to the Tracker on xrpl.to and its activity shows up live; the xrpl.to Telegram bot can also watch an address and message you.

Insights

How to Track Whales on the XRP Ledger

Every balance and transfer on the XRP Ledger is public, so the largest holders can be watched as they move. Who they are, the xrpl.to tools that follow them, and what their moves do and do not mean.

The largest XRP accounts, now

Account	XRP	Of all XRP	Last active
Bithumb	1,847,464,324	1.84%	2026-10-19
Robinhood	1,801,172,631	1.8%	2026-09-08
Binance	1,577,715,278	1.57%	2026-08-26
Upbit	1,438,784,637	1.43%	2026-10-18
Ripple	1,330,027,111	1.33%	2026-08-26

Refreshed hourly; names are those in xrpl.to’s index. The full ranking, and how concentrated it is: rich list, what it shows.

Tools on xrpl.to

Tracker: add the wallets you want to follow, group them, and see their activity as it happens. Signed out, it shows the latest trades on the ledger.
A token’s holders tab: its largest holders and how the count has changed; a big holder shrinking is the move to notice.
A token’s top traders: the wallets buying and selling it most, with their results.
Any address page: balance, holdings and full history, with the account that funded it.

Reading what whales do

To an exchange makes selling possible, not certain; exchanges also shuffle XRP between their own wallets.
From an exchange to a private wallet often means holding, but can be a custodian or a market maker.
Ripple’s monthly escrow release mostly goes back into escrow; what actually leaves it each year: escrow explained.
In a small token, one holder with a large share can move the price alone; check before buying a dip (token safety).

A single move is one data point; read it with the price, the volume and the wallet’s own history.

Questions

Who holds the most XRP?: Exchanges, mostly. Right now the largest account is Bithumb’s, holding 1.84% of all XRP; the escrowed XRP sits in escrow objects, not in any account.
Does XRP moving to an exchange mean someone is selling?: Not necessarily. It moves the coins where they can be sold, but exchanges also move XRP between their own wallets, and a deposit can be collateral or a transfer to a customer.
How do I get alerts when a wallet moves?: Add it to the Tracker on xrpl.to and its activity shows up live; the xrpl.to Telegram bot can also watch an address and message you.