Overview of Ripple Holdings:

Ripple Labs Official: Approximately 40%-45%

Founding Team and Early Executives: Approximately 5%-8% (mainly Chris Larsen and Jed McCaleb's holdings)

Circulating Market: Approximately 50%-55% (retail and institutional investors)

Although Ripple has been alleviating the issue of excessive centralization through lock-up and phased release mechanisms, the risks involved in this wild price surge are for individuals to manage themselves.