 ▲ XRP, Whale/AI-Generated Image |
Despite suffering its worst downturn—halving from its peak in the fourth quarter of last year—XRP’s price collapse has not deterred deep-pocketed whales, who are preparing for a major market counteroffensive by accumulating a record 3 billion XRP.
According to cryptocurrency media outlet The Crypto Basic on Feb. 14 (local time), XRP has plunged about 50% since the fourth quarter of 2025, spreading intense fear among retail investors. During the same period, however, large holders aggressively expanded their positions. On-chain data analysis shows that whale addresses holding between 1 million and 10 million XRP increased their buying intensity whenever prices declined, accumulating an additional 3 billion XRP. This suggests that major players view current price levels as deeply undervalued and as an optimal long-term profit opportunity.
Analysis of Santiment data indicates that whale accumulation intensified during capitulation phases, when retail investors reached psychological limits and dumped their holdings. As XRP’s price fell, the proportion of holdings controlled by whales steadily increased, signaling not short-term speculation but a strategic positioning aimed at a broader structural market shift. By leveraging widespread fear, institutional capital secured low-price entries that could later create supply-demand imbalances, potentially serving as a powerful driver for price recovery.
Even as the broader crypto market remains pressured by Bitcoin’s volatility and macroeconomic uncertainty, whale confidence in XRP appears unwavering. Increasing holdings by 3 billion tokens amid a fear-driven market where Bitcoin is testing the $68,000 level is highly unusual. Market experts suggest that once whales complete their persistent accumulation, tightening supply could accelerate sharply, increasing the likelihood of a rapid price rebound.
Positive changes in the U.S. regulatory environment and the visible entry of institutional capital on-chain also underpin the whales’ accumulation strategy. Legal uncertainties surrounding Ripple are nearing resolution, while expectations are rising that major financial institutions will adopt XRP Ledger technology in earnest. As retail investors exit the market in fear, large capital appears to have calculated its move carefully—betting on future value and positioning itself to dominate the next bullish cycle.
The XRP market now stands at a critical inflection point, where severe price declines clash with aggressive capital inflows from major players. The 3 billion XRP accumulated by whales is acting as a strong support base for the market’s lower bounds, raising expectations that it could ignite a future rebound. Rather than reacting emotionally to short-term price swings, investors should pay close attention to the long-term signals implied by large-scale accumulation and establish disciplined response strategies.
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