XRP Price Weakness Hides a Powerful Signal — Large Holders Are Quietly Accumulating
For the past few weeks, XRP has been trading within the $1.40–$1.50 range, struggling to break above key resistance levels. The $1.50 zone has now become a strong resistance area after another rejection last week. While many traders see this sideways movement as weakness, fresh on-chain data from Santiment tells a very different story.
Large XRP Wallets Reach an All-Time High
According to Santiment, the number of XRP wallets holding at least 10,000 XRP has climbed to 332,230 — the highest level ever recorded on the XRP Ledger.
The growth trend has been consistent since mid-2024. Even after the sharp market-wide crypto crash in February 2026, where more than 4,500 large wallets temporarily disappeared, accumulation quickly resumed. The wallet count has now fully recovered and moved above previous highs.
This is an important long-term signal because large investors usually buy during periods of fear and uncertainty rather than during hype-driven rallies. While XRP price remains below previous highs, major holders continue increasing their positions quietly in the background.
Smart Money Is Betting on XRP
The continuous rise in large XRP wallets suggests growing confidence among long-term investors. Historically, increasing numbers of mid-to-large wallets often indicate institutional or “smart money” accumulation.
Instead of chasing momentum, these investors appear focused on XRP’s future utility, regulatory clarity, and institutional adoption potential.
This kind of accumulation often happens before major price expansions.
Ripple’s $200 Million Debt Facility Strengthens Confidence
Ripple recently secured a $200 million debt facility from Neuberger Specialty Finance to expand Ripple Prime, its institutional brokerage platform.
Ripple Prime CEO Mike Higgins revealed that XRP could soon join Bitcoin and Ethereum as accepted collateral in tokenized settlement and margin systems. This would allow institutions to use XRP directly without converting it into cash first.
If implemented successfully, this could significantly increase XRP’s role in the global financial ecosystem and improve institutional demand over time.
ETF Inflows Show Continued Institutional Interest
XRP ETFs recorded approximately $40 million in inflows last week. Although Ethereum and Solana attracted slightly larger numbers, the positive inflow still highlights continued institutional interest in XRP.
Steady ETF demand combined with rising whale accumulation creates a strong long-term bullish narrative for the asset.
XRP Short-Term Price Outlook
Right now, XRP remains trapped between strong support near $1.40 and resistance around $1.50.
A confirmed daily close above $1.50 could open the path toward $1.65 and potentially $1.80 in the coming weeks.
However, if the CLARITY Act faces delays or negative regulatory news emerges, XRP could revisit lower support zones around $1.30 or even $1.25.
Despite short-term uncertainty, the growing number of large holders suggests that confidence in XRP’s long-term future remains strong.
Final Thoughts
Price action does not always reveal the full story. While XRP appears weak on the surface, on-chain data shows that large investors are aggressively accumulating behind the scenes.
This silent accumulation could become a powerful catalyst if regulatory clarity improves and institutional adoption continues expanding.
In crypto markets, smart money movements often matter more than temporary price fluctuations — and right now, XRP is showing one of the strongest accumulation signals in the market.
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