XRP Ranked #4 by Forbes: What the Two Warnings Under It Say
Forbes Advisor's November 3, 2026 crypto list puts XRP at #4. Here's how the list is built and the two Ripple warnings Forbes printed under XRP.
Key takeaways
- Forbes Advisor uses market capitalization as its primary screening tool and also says it considers use cases, so the video reads XRP's #4 spot as a measure of size rather than a recommendation.
- Forbes's page includes a disclaimer that it does not recommend or advise anyone to buy or sell, even though the same page has a section headed "10 Best Cryptocurrencies To Invest In".
- Forbes flags Ripple's control over XRP's supply. Ripple reported about 32.6 billion XRP in escrow at June 30, 2026, plus roughly 5 billion XRP held outside escrow that the monthly schedule does not limit.
- Forbes names Ripple co-founder Chris Larsen as holding a sizable portion of XRP. That is a known concentration risk for holders.
- When a headline says a publication is telling people to buy a coin, read the original page and its fine print.
Forbes Advisor’s top 10 cryptocurrencies list for November 3, 2026 ranks XRP fourth, behind only Bitcoin, Ethereum and BNB. Forbes uses market capitalization as its main screening tool, and directly under XRP it printed two warnings: Ripple’s control over XRP’s supply and the large holdings of Ripple co-founder Chris Larsen.
That matters because the ranking spread online as “Forbes is telling wealthy people to buy XRP.” The Bullrunners video reads the full Forbes page instead of the headline. For XRP holders, the useful part is not the rank itself. It is the two risks Forbes chose to list, and how much of each one you can check yourself.
What is the Forbes Advisor crypto list?
The Forbes Advisor crypto list is a regularly updated ranking of large cryptocurrencies, published on the personal finance side of Forbes. The edition the video reads is dated November 3, 2026 in its title, and the video says it was time-stamped 7:30 that morning. The date in the title matters because the list is re-ranked over time.
Forbes explains its method on the page. It uses market capitalization (the total value of all coins in circulation) as its primary screening tool and only includes coins worth more than $5 billion. It excludes stablecoins, wrapped tokens, liquid staking tokens and meme coins. Forbes also says it looked at use cases, focusing on assets with utility, so size is not the only input.
The video’s reading is that this is not a secret list for billionaires. In the host’s words, it is the biggest coins in crypto minus the dollar-pegged coins and the joke coins.
Which coins made the Forbes top 10?
The November 3, 2026 Forbes list ranks these ten coins, according to the video:
| Rank | Coin | Note from the video |
|---|---|---|
| 1 | Bitcoin | Largest coin |
| 2 | Ethereum | |
| 3 | BNB | Binance’s coin |
| 4 | XRP | About $80 billion on Forbes’s numbers |
| 5 | Solana | |
| 6 | Tron | |
| 7 | Hyperliquid | |
| 8 | Zcash | |
| 9 | Monero | |
| 10 | UNUS SED LEO | Exchange token from the company behind Bitfinex |
The video calls XRP’s position real and meaningful. Its argument is that the rank mostly reflects XRP’s size once stablecoins are removed. It is not a judgment that XRP is a better investment than the coins below it.
Why did Chainlink drop off the list?
According to the video, Chainlink dropped off because of price moves, not because Forbes changed its view of the project. The host says another video covering the list on the same day showed Chainlink at #10 and Zcash ahead of Hyperliquid. By the November 3 edition, Chainlink was gone and LEO had taken the tenth spot.
The host sees it as a market cap list: when prices move, the list moves. Because Forbes says it also weighs use cases, price may not be the only reason a coin enters or leaves. Either way, a rank can change from one edition to the next.
Forbes warning 1: Does Ripple control the XRP supply?
Forbes says Ripple’s control over XRP’s supply is a centralization concern. Under XRP, Forbes wrote that unlike Bitcoin and other mined cryptocurrencies, XRP tokens enter circulation whenever Ripple chooses to sell coins. Under the cons, it listed “centralization concerns due to Ripple’s control over XRP’s supply.”
The video’s verdict is that this warning is half right. Bitcoin is mined, and new Bitcoin arrives on a schedule nobody controls. XRP works differently. All 100 billion XRP were created at the start, and Ripple received a large share.
What Forbes left out, the video says, is the escrow. Since December 2017, most of Ripple’s XRP has been held in escrow on the XRP Ledger. Escrow is a feature that locks coins until a set time. The key figures:
- The escrow unlocks up to 1 billion XRP a month, on a schedule anyone can watch.
- From November 2025 to October 2026, about 12 billion XRP left escrow and about 8.4 billion went back. That is roughly 70% of the total released, though not necessarily 70% of every monthly release.
- Ripple reported about 32.6 billion XRP in escrow at June 30, 2026. Later on-ledger reports put the balance near 31.28 billion after the September unlock.
- Ripple reported about 37.66 billion XRP in total holdings at June 30, 2026. That leaves roughly 5 billion XRP outside escrow.
So does Ripple control a lot of supply? Yes. Can it unlock the escrowed XRP all at once? No, says the video, because the escrow runs on a fixed schedule on a public ledger. That limit applies only to the escrowed XRP. The roughly 5 billion XRP Ripple holds outside escrow is not bound by the monthly schedule. Bullrunners has covered how to read Ripple’s monthly 1 billion XRP release and why the “monthly dump” story is wrong in more detail.
Forbes warning 2: How much XRP does Chris Larsen hold?
Forbes names Ripple co-founder Chris Larsen as owning a sizable portion of XRP and describes him as worth $7.6 billion. The video calls this warning fair.
Estimates put Larsen’s holdings at around 2.6 billion XRP. In July 2025, DL News reported that wallets tied to him had moved about $344 million worth of XRP since the start of that year. That included a $26 million transfer as XRP neared record highs. The host says it is never comfortable when a token’s creators hold enough supply that they could sell a large amount if they wanted to.
The video also puts this in context. A founder holding a lot of their own coin is not unusual. The host gives Satoshi’s Bitcoin, Vitalik Buterin’s Ethereum and CZ’s BNB as examples. Every large coin has a whale or two at the top, he says. It is still a risk, and holders should know it exists.
Is Forbes telling rich people to buy XRP?
Forbes’s page includes a disclaimer saying it does not recommend or advise individuals to buy or sell anything. The same page also carries a section headed “10 Best Cryptocurrencies To Invest In.” The video’s reading is that Forbes ranked XRP by size and then listed two concerns about Ripple directly under it. In the host’s view, the “Forbes says buy XRP” framing spread because it gets clicks.
The host also points out who the page is written for. Forbes Advisor is a personal finance site, not a tip sheet for the wealthy. The page says at the top that it earns commissions from partner links. Further down, according to the video, it links to exchanges including Coinbase, Kraken, Gemini and Robinhood. The video says that is not a scandal, just how such sites work.
The signal the video does take from the page is simpler. According to the host, ten years ago Forbes did not run a regularly updated top 10 crypto list at all. Now it does, with XRP in the top four next to Bitcoin and Ethereum.
The host also voices some frustration. He says Ripple’s escrow releases and sales helped fund partnerships for Ripple the company, but in his view those partnerships have not helped XRP so far. That gap between company success and token value is covered in why a Ripple win isn’t automatically an XRP win.
Four ways to read the Forbes list as an XRP holder
The video closes with four takeaways holders can use:
- XRP is the fourth-largest coin that isn’t a stablecoin. The host calls that measured, not hyped.
- Ripple controls a large share of supply, and most of it is in escrow you can watch. So watch it, and remember that part of Ripple’s holdings sits outside escrow.
- Chris Larsen holds a lot of XRP and has sold before. That is a known risk, not a secret.
- When someone says Forbes is telling rich people to buy something, read the page. Forbes’s own disclaimer says it does not recommend buying or selling.
What to watch next
The Forbes page is updated regularly. Its November 6, 2026 edition also lists XRP at #4. XRP’s position can still change in any future edition, just as Chainlink’s did, and a rank change on its own says little about Ripple or the XRP Ledger.
The two Forbes warnings are more useful to track. Ripple’s monthly escrow releases and relocks are visible on the XRP Ledger. Reported movements from wallets tied to Chris Larsen have been covered by outlets such as DL News. Checking those sources directly is a better habit than relying on a headline about a ranking.
Sources
Frequently asked questions
Where does XRP rank on the Forbes top 10 crypto list?
On the Forbes Advisor list dated November 3, 2026, XRP ranks #4. It sits behind Bitcoin, Ethereum and BNB and ahead of Solana, Tron, Hyperliquid, Zcash, Monero and LEO. The video says this puts XRP at about $80 billion on Forbes's own numbers.
Is Forbes telling people to buy XRP?
Forbes includes a disclaimer saying it does not recommend or advise individuals to buy or sell anything, though the same page carries a section headed "10 Best Cryptocurrencies To Invest In". The video's reading is that the ranking reflects size, and that Forbes printed two concerns about Ripple directly under XRP.
What warnings did Forbes give about XRP?
Forbes listed "centralization concerns due to Ripple's control over XRP's supply" and noted that XRP enters circulation whenever Ripple chooses to sell coins. It also said Ripple co-founder Chris Larsen owns a sizable portion of XRP.
Why did Chainlink drop off the Forbes top 10 list?
According to the video, an earlier version of the list had Chainlink at #10, but by the November 3 edition LEO had taken that spot. The video puts this down to price moves. Forbes says it also considers use cases, not only market cap.
How much XRP is in Ripple's escrow?
Ripple reported about 32.6 billion XRP in escrow at June 30, 2026, and later on-ledger reports put the balance near 31.28 billion after the September unlock. Up to 1 billion XRP unlocks each month. From November 2025 to October 2026, about 70% of the total released went back into escrow.
Full video transcript
From the video's captions, lightly formatted. Captions can mishear names and numbers, so check figures against the article above.
Forbes just published its top 10 cryptocurrencies and XRP is number 8, above Solana, above Tron, above everything except Bitcoin, Ethereum, and BNB. So YouTube did what YouTube does. Forbes is telling wealthy people to buy XRP. But I read the whole page and right under XRP, Forbes printed two warnings, not about the market, about Ripple. And one of them names Ripple's own co-founder.
Nobody I watched read those out. So in this video, I will. Let's get into it. First, what is this list? It's on Forbes Advisor, the personal finance side of Forbes.
It's called top 10 cryptocurrencies of November 3rd, 2026. And notice the date in the title. This list gets updated. It's audited and re-ranked and the one I'm reading for was stamped 7:30 in the morning, November 3rd. How do they pick?
Well, they say it right there. We used market capitalization as a primary screening tool. Only coins worth more than $5 billion and they throw out stable coins, wrapped tokens, liquid staking tokens, and meme coins. So this isn't a secret list for billionaires. It's the biggest coins in crypto minus the dollar coins and the joke coins.
And at the bottom of the page, Forbes says it plainly. They do not recommend or advise individuals to buy or sell anything. So nobody at Forbes told you to buy XRP. That matters and I'll tell you why in a minute. Here's the list as of November 3rd.
1, Bitcoin. 2, Ethereum. 3, BNB, Binance's coin. 4, XRP. 5, Solana.
6, Tron. 7, Hyperliquid. 8, Zcash. 9, Monero. 10, a coin that most of you have never heard of.
UNUS SED LEO, the exchange token from the company behind Bitfinex. Now here's something funny. I watched a video on same list that went up the same day. In that version, Chainlink was number ten and Zcash was ahead of HyperLiquid. By the November third edition, Chainlink was gone and Leo had taken the spot.
Why? Because it's a market cap list. When prices move, the list moves. Forbes didn't change its mind about Chainlink, Chainlink's price did. So XRP isn't number four because Forbes likes it.
XRP is number four because after you take out the stable coins, it's the fourth biggest coin in the world, about $80 billion on Forbes's own numbers. That's not nothing. That's a big deal, but it's a measurement, not a recommendation. Reading the source instead of the headline is exactly what we do with our clients inside of SGS Systems at Altcoin Pro on whatever's actually sitting in your portfolio. So if you've never had anybody walk you through your portfolio line by line, the first link in the description is right there for you.
Get it looked at this week. Now the part that nobody read out under XRP, Forbes wrote this. Unlike Bitcoin and other mined cryptos, XRP tokens enter circulation whenever Ripple chooses to sell coins. And then under cons, centralization concerns due to Ripple's control over XRP supply. And I know what you're thinking.
Ryan, that's fud. Is it though? Here's the honest answer. Is half right? Right.
Bitcoin gets mined, new Bitcoin comes out on a schedule that nobody controls. XRP doesn't work like that. All $100 billion XRP were created at the start and Ripple got a big share. But here's what Forbes left out. Since December 2017, most of Ripple's XRP has sat in escrow on the XRP ledger.
It unlocks up to $1 billion a month on a schedule that anyone can watch and most of it goes right back in. Over the 12 months through October, reporting from on-chain trackers says Ripple relocked about 70% of every release. Ripple says about 32.6 billion XRP was still in escrow at the end of June. So does Ripple control a lot of supply? Yes.
Can it dump it all at once? No. The escrow is on a public ledger and you can check it yourself. That's the difference between a warning and a reason to panic. The second warning has a name in it, Forbes.
Under XRP's cons, Ripple co-founder Chris Larsen, worth $7.6 billion, owns a sizable portion of XRP. And that one's fair. Chris Larsen, co-founder of Ripple, estimates put his XRP at around 2.6 billion coins. And last year, wallets tied to him reportedly moved $344 million worth of XRP to exchanges and other wallets near the highs. And it's never a comfortable situation when the developers or the creators of a token have that much supply that they could literally just dump it all at once if they wanted to.
Now, is a founder holding a lot of its own coin unusual though? No. Satoshi's coins, Vitalik's Ethereum, CZ's BNB, every big coin has a whale or two at the top. But it is a risk. And if you hold XRP, you should know it's there.
Not from a hater on X, from Forbes on the same page that ranked it number four. So why didn't the videos read the warnings? Because Forbes says buy XRP gets a lot of clicks. Forbes ranked XRP by size and then listed two concerns about Ripple, and that does it. And look who reads Forbes advisor.
It's not just the rich, it's a personal finance site. And right at the top, it says it earns a commission from partner links. It links to Coinbase, Kraken, Gemini, and Robin Hood further down the page. That's not a scandal. That's how those sites work, but it's not a billionaire's tip sheet either.
The real signal is simpler and it's better news. 10 years ago, Forbes didn't run a daily top 10 crypto list at all. Now it does, with XRP in the top four next to Bitcoin and Ethereum. That's the part I'd actually take away. So here's how would read it.
One, XRP is the fourth biggest coin, and it is in a stable coin. That's real, and it's measured not hyped. Two, Ripple controls a big chunk of the supply, and most of it is locked in escrow that you can watch, so watch it. Three, Chris Larsen holds a lot, and he has sold before. That's a known risk, not a secret.
And if you've held XRP for longer than a month, you've probably known that about Chris Larsen and also about the escrow. But I will tell you the escrow dumps, and them still selling and making profit off of 30% as a member of the XRP harm army, that hurts me in the chest a little bit because that is how they were able to acquire all of these major partnerships for Ripple the company that doesn't help XRP at all thus far. And four, when a YouTuber tells you Forbes is telling rich people to buy something, go read the page. Forbes says it in its own words that it doesn't tell anybody to buy anything. So tell me in the comments section, did you know Forbes printed those two warnings under XRP?
Just a yes or no. Everything in this video came off the Forbes page itself, dated November 3rd. Number four, two warnings, one name. The headline said buy, but the page said this is a list. But if you do want somebody to walk you through what you actually hold and what's sitting under the headline on each coin that's in your wallet, that is what we do with our students and our clients inside of SGS at Altcoin Pro.
So if if you're holding $50,000 or more and you've never had anybody check it, then go ahead and click that link, get your free crypto appointment today. Now if you're not there yet, keep watching these videos. They're free. And if your spouse has a say in where the money goes, bring them on the call with you. Again, it's the first link in the description to get you started right away.
And crypto carries risk, and past performance doesn't guarantee future results. This is education, not financial advice. You know what to do. Stay bullish. I'll see you at the top.
Education and commentary only, not financial advice. Crypto is volatile and you can lose money. Do your own research and speak to a qualified advisor before making investment decisions. Figures and quotes are as reported in the video on November 8, 2026 and may have changed since.
