XRP Price: Why Big Investors Are Quietly Buying While Small Ones Give Up

The Big Picture: A Tale of Two Stories

Imagine a slippery slide. For months, the price of XRP (a popular digital coin) has been slowly sliding down, which makes the people hoping for the price to go up very frustrated. Right now, only the super patient buyers are winning.

On the surface, the price graph looks pretty ugly. But if we look at the "on-chain data" (which is just a simple way of saying the secret clues hidden in the coin’s digital record book), a more complicated story appears. While regular, everyday investors are quitting and losing money, the giant holders (often called "whales") seem to be doing the exact opposite. That’s what makes XRP interesting right now!

XRP Retail Activity Keeps Drying Up

"Retail" means regular, small investors (like you and me). Right now, the clues from the digital record book show that we are in a "capitulation phase." That’s a big word meaning people are giving up and selling their coins rather than feeling excited to buy.

Here are the simple clues showing this is happening:

• Profit vs. Loss Ratio: On one day, the ratio of money made to money lost on trades jumped to 3.802. This was because $22.04 million in profits was locked in, compared to $5.79 million in losses.
• Overall Losses: However, on July 7, the total network profit-and-loss number stayed deeply negative. This means many people were still selling their coins at a loss.
• Old Coins Moving: On July 1, there was a sudden spike in "old coins" waking up and moving. Normally, when old coins suddenly move, it happens when people collectively give up, not when they are celebrating.
• Fewer People Playing: Since January 2026, the number of active digital wallets (over 24 hours, 7 days, and 30 days) has been going down. Even the number of trades made by whales has weakened.
• Less Betting: The total amount of money bet on XRP’s future price (called "open interest") dropped from $1.32 billion to $764.57 million. This shows people are making fewer risky bets.

[!IMPORTANT]
Even though one day showed more profit than loss, the bigger picture shows regular investors are fading away and selling at a loss. This is a classic sign of a "give up" phase in the market.

XRP Whales Tell a Different Story

While the small investors are feeling sad, the "whales" (the giant investors with huge piles of coins) are following a totally different playbook.

Here is what the big guys are doing:

• Big Wallets are Buying: Wallets holding between 10 million and 100 million XRP have been collecting more coins throughout 2026.
• Mid-Sized are Selling: Wallets with 100,000 to 10 million coins have been handing out (selling) their tokens.
• Small Wallets Stagnant: Smaller investors holding 10 to 100,000 coins have barely grown.
• Positive Signals: In July, the "funding rates" (a fee in the betting market) turned positive. This means bets that the price will go down have eased, and giant whales are rising. It hints that hopeful betting might be slowly coming back.
• Undervalued Zone: A special measuring tool called MVRV (which checks if a coin is cheap or expensive across 30-day, 180-day, 1-year, and 3-year periods) is below zero. This puts XRP in a "bargain bin" or undervalued zone.

[!IMPORTANT]
The biggest holders are quietly buying up XRP while it looks cheap, and special metrics suggest the coin is currently undervalued!

XRP Price Chart Still Demands Technical Confirmation

Even with all these secret signals of big investors buying, the XRP price graph is still stuck in a "downward sliding tunnel" (called a descending parallel channel). This tunnel has controlled the market since the price peaked near $3.65 back in July 2025.

The price is now squishing up against an important floor of $1.00.

• If the whole crypto market gets weaker (especially if the leading cryptocurrency drops harder), XRP could fall out of the tunnel and visit the $0.80 floor.
• To make the sad downward trend officially go away, buyers need to do two things:

1. First, reclaim the top line of the sliding tunnel.
2. Then, push the price back above the $1.40–$1.60 ceiling (resistance zone).

Until both of these hurdles are jumped over, the graph still looks cautious, even if the secret data says long-term buying is happening under the surface.

[!IMPORTANT]
XRP needs to break above $1.40–$1.60 to prove the downward trend is over. Until then, caution is key!

Summary

XRP’s price has been grinding lower for months, making small investors give up and sell at losses. Active wallets and betting money have shrunk since early 2026. However, underneath the surface, the giant holders (whales) are quietly accumulating (buying) millions of XRP, and special value metrics show the coin might be undervalued. The price is currently sitting near $1.00 support, but it remains trapped in a downward channel. For the trend to officially flip to happy (bullish), buyers must reclaim the channel’s top and push above $1.40–$1.60.

FAQ

1. What does "whale accumulation" mean in simple terms?
It means the super-rich investors (who hold massive amounts of XRP, like 10 million to 100 million coins) are quietly buying more and more coins while regular people are selling.

2. Why is XRP considered "undervalued" right now?
A tool called MVRV, which compares what people paid for their coins versus what they are worth now across different time frames (30 days to 3 years), is showing a negative number. This usually means the coin is cheaper than what most holders paid for it.

3. What needs to happen for XRP’s price to start going up steadily?
The price graph needs to break out of its downward sliding pattern. Specifically, buyers must push the price above the top line of the current channel, and then successfully climb past the $1.40 to $1.60 price ceiling.

4. What is "open interest" and why did it drop?
Open interest is the total amount of money people have bet on whether XRP’s price will go up or down. It dropped from $1.32 billion to $764.57 million, meaning fewer people are making risky bets on the coin’s future.

5. Should I buy XRP because whales are buying?
This article is just explaining data, not giving financial advice! But the data shows big holders are accumulating and metrics say it’s undervalued, while the price chart still needs to prove it’s safe by breaking key levels above $1.40.