XRP Jumps 53% As Whales Accumulate $1.6 Billion in Three Weeks

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The XRP price has surged dramatically in recent weeks, climbing over 53% amid a wave of large-scale accumulation by major investors—commonly referred to as "whales." On-chain data reveals a powerful shift in market sentiment, with whale wallets adding nearly 679 million XRP tokens—valued at approximately $1.6 billion—to their holdings in just three weeks. This coordinated buying pressure has not only fueled the coin’s bullish momentum but also signaled growing confidence in XRP’s long-term potential.

Whale Activity Signals Strong Market Confidence

According to analytics from Santiment, a leading on-chain data provider, the surge in XRP’s price closely aligns with increased accumulation by whale-tier investors. The key metric spotlighted is Supply Distribution, which tracks how many tokens are held by specific wallet size cohorts across the network.

In this case, the focus is on wallets holding between 1 million and 10 million XRP—a range equivalent to roughly $2.39 million to $23.9 million at current prices. While these aren’t the largest whales in the ecosystem, they represent significant market participants whose collective actions can influence price trends and investor sentiment.

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The data shows a clear upward trend in supply concentration within this cohort. Over the past three weeks, these mid-tier whales have collectively acquired 679.1 million XRP, marking one of the most aggressive accumulation phases seen in recent memory. Such large-scale net buying typically precedes or accompanies strong price appreciation, as it reflects confidence in future upside.

This isn’t speculative behavior—it’s strategic positioning. These investors often have access to deeper market insights, regulatory foresight, and technical analysis tools, making their moves a valuable signal for retail traders watching the market.

Retail Participation Rises Alongside Whales

While whale accumulation has been a primary driver, the rally hasn’t been limited to big players. On-chain metrics also show a notable increase in retail participation. During the same three-week window, the total number of non-zero XRP addresses—a proxy for active holders—grew by 119,820.

This dual inflow of both institutional-scale and retail investors underscores broadening market enthusiasm. For the first time in its history, the number of active XRP addresses has crossed the 5.5 million mark, reflecting growing adoption and network engagement.

When both whales and retail investors move in the same direction, it often validates the strength of a trend. Historically, such alignment has preceded sustained bull runs across various cryptocurrencies, suggesting that XRP’s current momentum may have room to continue.

Why Whale Accumulation Matters

Whale activity is more than just a headline—it's a behavioral indicator rooted in market dynamics. When large investors begin accumulating an asset, it usually means they anticipate favorable developments ahead, such as:

In XRP’s case, ongoing legal clarity following Ripple’s partial victory in its SEC lawsuit has likely contributed to renewed investor confidence. The court ruling recognized that XRP is not inherently a security when sold to retail investors, removing a major overhang that had dampened sentiment for years.

Additionally, Ripple’s expanding partnerships in cross-border payments—especially in emerging markets—continue to demonstrate real-world utility for XRP, further justifying long-term investment.

Price Momentum Builds With Strong Technicals

The impact of this on-chain activity is clearly visible on the charts. XRP/USDT has broken out of a prolonged consolidation phase and entered a strong uptrend. The token rose over 53% in a matter of weeks, outperforming most major digital assets during the same period.

Technical indicators support continued bullish momentum:

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Such technical confirmation increases the likelihood that this rally is sustainable rather than a short-lived pump.

Core Keywords Driving Market Interest

Understanding what investors are searching for helps contextualize XRP’s surge. Key SEO and market interest keywords include:

These terms reflect a mix of technical curiosity, regulatory concern, and speculative interest—all of which are currently converging around XRP.

Frequently Asked Questions (FAQ)

Why are whales buying XRP now?

Whales may be responding to improved regulatory clarity following Ripple’s legal wins against the SEC, increased institutional interest, and expanding use cases for XRP in global payments infrastructure.

Does whale accumulation guarantee a price increase?

Not always—but it’s a strong bullish signal. Large purchases suggest confidence in future value, and when combined with rising retail adoption, they often precede sustained rallies.

How many XRP addresses exist?

As of late 2025, there are over 5.5 million non-empty XRP addresses, a record high that reflects growing network participation.

What factors could stop XRP’s rally?

Potential risks include adverse regulatory rulings, broader crypto market downturns, or delays in Ripple’s product rollouts. However, current on-chain trends suggest strong support levels.

Can retail investors benefit from tracking whale movements?

Yes. While individual traders can’t match whale-scale investments, monitoring on-chain data allows them to align with smart money trends and improve timing for entries and exits.

Is XRP still undervalued compared to other cryptos?

Many analysts argue yes—especially given its utility in fast, low-cost international transfers and its established presence in banking corridors where SWIFT alternatives are needed.

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Final Thoughts: A Convergence of Fundamentals and Sentiment

XRP’s recent surge is not a random spike—it’s the result of converging forces: favorable legal outcomes, strategic whale accumulation, rising retail adoption, and improving technical indicators. Together, these factors paint a picture of an asset regaining momentum after years of uncertainty.

For investors watching from the sidelines, the message is clear: when whales buy aggressively and retail follows, it often marks the beginning of a new phase in an asset’s lifecycle. Whether you're evaluating XRP for short-term gains or long-term exposure to digital payment innovation, now is a critical time to understand the forces shaping its trajectory.

With over 5.5 million active holders and billions in whale-backed demand, XRP isn’t just moving—it’s signaling its return to center stage in the digital asset economy.