The XRP price has recovered from recent lows, with an increase of nearly 4% from yesterday's low and is now stabilizing after a modest pullback. Although the overall trend remains cautious, a new metric indicates that the downward momentum may be declining.
Now that the XRP issuer is getting closer to a regulated bank status, the focus shifts to the large holders who can confirm a real trend reversal.
Bullish divergence is emerging as the largest whales begin to accumulate.
On the daily chart, there is a bullish divergence visible in the XRP price between December 1 and December 12. During this period, the price made a lower low, while the Relative Strength Index (RSI) showed a higher low. RSI measures momentum, and such a pattern often appears when selling pressure decreases before a recovery occurs.
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This setup has already led to a bounce, but what makes it even more interesting is the behavior of whales. The two largest XRP holder groups have already started to respond.
Wallets holding more than 1 billion XRP have increased their holdings from 25.36 billion on December 9 to 25.42 billion. At the same time, wallets holding between 100 million and 1 billion XRP reversed their selling trend, rising from 8.08 billion on December 11 to 8.15 billion at the time of writing.
In total, these two groups have added approximately 130 million XRP. At the current price, that amounts to about $265 million in net accumulation. This confirms that the largest holders not only see the divergence but are also acting on it.
Timing also plays a role. Ripple recently came closer to obtaining a U.S. banking license, strengthening the long-term narrative for institutions. This regulatory backdrop makes the interest from whales at these levels even more important.
XRP price levels that determine whether the reversal holds
For the bullish divergence to remain valid, the XRP price must show further increases. The first important level is $2.11. A daily closing price above this point indicates a rise of 3.72% compared to now and shows that buyers are regaining control in the short term. XRP has not been above $2.11 since early December.
If that level is broken, the next resistance can be found at $2.21. Only a sustained rise above $2.21 makes the structure bullish again and opens the path towards $2.58 or higher.
The risk remains clearly on the downside. If the XRP price drops below $1.96 while the RSI weakens, the bullish divergence becomes invalid. In that case, $1.88 is the first level to watch, followed by $1.81 as selling pressure increases.
At this moment, the setup looks positive but is not yet complete. Momentum indicators show improvement, and whales have already reacted for the first time. For a full reversal, these large holders must continue to support and not just react briefly.
