Institutional Approaches Drive XRP Whale Holdings Amid Market Stabilization

XRP Whale Accumulation and Market Dynamics Signal Strategic Shift

Recent weeks have seen a notable uptick in whale activity within the

market, as major investors have acquired between 30 and 340 million tokens, according to blockchain data. In the last day alone, whale wallets accumulated 30 million XRP, worth $812 million, while the total for Q3 2025 reached 310 million tokens, bringing overall holdings to 8.11 billion XRP. This accumulation was accompanied by a price increase to $2.87, marking a 2% rise in 24 hours, with trading volume climbing 18% to $7.53 billion. Experts suggest this buying is part of a strategic move by institutional players as the broader crypto market consolidates XRP Price Holds $2.87 After $30M Whale Buys, $3.16 in Focus [ 1 ].

Technical analysis points to key price levels for XRP. The $2.71 support has remained intact through several retests, with buyers maintaining it as a base for further upward moves. Resistance is still found at $3.16, a barrier that has previously limited gains. The tightening of the Bollinger Bands indicates reduced volatility, which often comes before significant price swings. Should XRP surpass $2.97 and $3.16, analysts foresee a possible rally toward $3.70, bolstered by increasing Accumulation/Distribution (A/D) metrics and a positive Chaikin Oscillator. On the other hand, a drop below $2.77 could lead to declines toward $2.50 or $2.30 30,000,000 XRP Bought by Whales in 24H: What Do They Know? [ 2 ].

Institutional interest in XRP is further highlighted by strong activity in the futures market. In August 2025, XRP’s funding rates reached 0.07%, outpacing Ethereum’s 0.05%, and CME futures volume topped $1 billion in Q3. Large holders are also taking advantage of technical enhancements to the XRP Ledger, such as an

Virtual Machine (EVM)-compatible sidechain that launched in July 2025. This sidechain enabled 1,400 Ethereum-style smart contracts in its first week, expanding XRP’s use cases in DeFi and international payments XRP Whale Accumulation Signals Undervalued Market Potential [ 3 ].

Regulatory changes are also influencing the market. U.S. legislators are urging the SEC to enact President Trump’s executive order, which would allow crypto access for the $12.5 trillion 401(k) market, potentially increasing institutional participation. At the same time, delays in approving an XRP ETF have contributed to short-term undervaluation, though ongoing whale accumulation points to a possible contrarian opportunity. Analysts such as Javon Marks see a long-term price target of $9.90, but others warn that regulatory ambiguity could bring volatility XRP Price Holds $2.87 After $30M Whale Buys, $3.16 in Focus [ 1 ].

Metrics for retail adoption have softened, with new wallet creation dropping by 30–40% in Q3 compared to late 2024. Nevertheless, network activity remains strong, processing 70 million transactions monthly and up to 1.5 million on peak days. Decentralized exchange (DEX) volumes increased 21% month-over-month, fueled by RLUSD, Ripple’s USD-backed stablecoin, now valued at $90 million. This liquidity helps stabilize XRP’s price during uncertain market periods XRP Whale Accumulation Signals Undervalued Market Potential [ 3 ].

Both bullish and bearish outlooks are present. Optimists anticipate a price range of $3.60–$4.80 if support levels are maintained, while pessimists warn of a potential drop to $2.07 if the descending triangle pattern breaks down. The XRP/ETH ratio found support in Q3 as whale buying increased, hinting at a possible turning point. Historically, whale accumulation has often preceded major rallies, as demonstrated during Bitcoin’s 2020–2021 bull market XRP Whale Accumulation Tops 340M Tokens — Is $3.60 Next? [ 4 ].

With whales actively accumulating XRP and ongoing technical improvements, investors are watching regulatory shifts and on-chain data closely. The token’s dual role in DeFi and cross-border payments, along with continued institutional interest, points to a cautiously positive long-term perspective for holders.