XRP's Whale Accumulation Hits $4.9 Billion as Price Flirts With Yearly Lows
Published on 07/28/2026 at 17:21 | Redaktion boerse-global.de
The gap between what large holders are doing and where XRP's price is heading has rarely been wider. While the token slipped to $1.05 on Tuesday — a 5.57% daily decline that pushed it within striking distance of its 52-week low of $1.01 — addresses holding at least 10,000 XRP added a staggering 4.63 billion tokens worth roughly $4.9 billion to their wallets during the current downturn. That accumulation spree lifted their collective holdings from 7.5 billion to 12.13 billion XRP, according to data from DailyCoin, even as the broader market turned decisively risk-off.
The selloff was broad-based: Bitcoin dropped to around $63,000, while Ethereum and Solana also suffered sizable losses. Analysts at CoinDesk traced the trigger to a 10% plunge in South Korea's Kospi index, driven by reports of new Chinese lithography machines that hammered semiconductor stocks. That external shock landed just as the Federal Reserve kicked off its two-day policy meeting on July 28, keeping investors across virtually every risk asset in a holding pattern.
Senate Gridlock Deepens the Gloom
The political backdrop only added to the pressure. The US Senate postponed a vote on the CLARITY Act — the sweeping regulatory framework that would codify XRP's classification as a commodity — to instead focus on personnel nominations and a Russia sanctions bill. Majority Leader John Thune had floated a vote before the August 7 summer recess, but the bill remains stuck short of the 60 votes needed for passage. Seven moderate Democratic senators have flagged insufficient consumer protections and a lack of independent oversight in the current 616-page draft, while Senator Elizabeth Warren reportedly called the legislation "dead on arrival."
Senator Cynthia Lummis, a key Republican backer, has been scrambling to hold the coalition together. Punchbowl News reported that disputes over an ethics clause tied to President Trump, the interest-bearing treatment of stablecoins, and law enforcement concerns are all blocking progress. Lummis warned that failure could set back digital-asset legislation by years.
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The odds of passage in 2025 have cratered accordingly. On the prediction platform Polymarket, the probability fell to 37%, down from a range of 60% to 75% earlier this year. Galaxy Research lowered its estimate even further, to 30%. Standard Chartered responded by slashing its year-end XRP target from $8 to $2.80, a dramatic revision that underscores how much of the token's bullish thesis rested on regulatory clarity arriving this year.
Technical Damage and Divergent Analyst Views
The chart tells a similarly sobering story. XRP now trades well below all its key moving averages, with the 200-day line sitting 23.69% above the current price. The Relative Strength Index hovers near 39 — not yet in oversold territory but far from healthy. Analyst CasiTrades projects further downside toward $1.00 and, in a medium-term scenario, as low as $0.87. Others, like CryptoOnchain, see a tight range between $1.09 and $1.14 with balanced liquidations and weak spot activity, arguing that consolidation rather than a breakdown is the more likely near-term outcome.
The derivatives market leans cautious: XRP's long-to-short ratio stands at 0.83, and funding rates have turned negative, according to FXStreet. Meanwhile, market surveillance firm TradingKey flagged transfers of 150 million XRP to crypto exchanges — a move typically associated with increased selling pressure.
Whales Go the Other Way
Yet the accumulation by large wallets tells a strikingly different story. More than 332,000 addresses now hold at least 10,000 XRP, and the outflow ratio from Binance hit 91.4%, meaning far more tokens are leaving the exchange than arriving. Retail activity, by contrast, has dwindled.
Ripple itself has not slowed down. The company launched "Ripple Mint," an interface for institutional minting, redemption, and transfer of its RLUSD stablecoin, and invested in the compliance network Notabene. President Monica Long described institutional demand for both XRP and RLUSD as "unprecedented," adding that the market has yet to price in the build-out. Separately, the XRP Ledger has onboarded $2.6 billion in tokenized real-world assets over the past six months, placing it among the largest blockchains in that segment.
XRP at a turning point? This analysis reveals what investors need to know now.
Sentiment Hits a Floor — and a Potential Signal
One of the more intriguing data points comes from Santiment, which tracks market mood. The firm's weighted sentiment reading for XRP fell to its lowest level since October 2025. Historically, such extreme pessimism has preceded sharp recovery rallies — a pattern that offers at least a glimmer of hope for bulls watching the token test its yearly floor.
For now, the immediate catalysts remain the Fed's rate decision on Wednesday and the fate of the CLARITY Act. The two forces — monetary policy and regulatory legislation — will likely determine whether XRP's whale-driven accumulation is a prescient bet on a turnaround or a value trap in the making.
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