lol.. The problem is your post is not based on fact. So let me get this straight. "who is holding the most ripple?" Ripple is, they are a company not a currency. thus far ripple is owned by ripple and early partners like google who entered the company as venture capitalist own a share too.

FACT- ripple has not gone through a ICO.

Fact- Xrp is ripples Currency.

Fact- ripple holds 60% in a escrow account (not banks)

Fact- you have no clue what you are talking about.

If you did you would not be using (ripple) to describe it's currency (xrp)

The rest of your post is pure speculation on your part without any underlying facts.

It's a shame that you have chosen to write about something you have not taken the time to even research.