How much of the total ripple being circulated for normal people?

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Ripple is also fully circulated in the market?

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Ripple is one of the few coins that can’t be mined. Instead, XRP is distributed by the company itself. 100 billion coins were made at its inception, and so far 38 billion have entered circulation. That leaves 62 billion undistributed coins in Ripple’s pockets, and naysayers calling “Scam!”

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