The divide between retail panic and institutional conviction in XRP has rarely been wider. While the token touched a fresh 52-week low of $1.02 this week, data from Glassnode shows the ratio of realized profits to losses has crashed to 0.33 — the most bearish reading since August 2022. Yet at the same time, wallets holding at least 10,000 XRP have risen to an all-time high, and spot ETFs have absorbed $1.44 billion in net inflows since November 2025.
The price action tells the grim story for short-term speculators. XRP currently hovers around $1.03, down roughly 45% year-to-date. The decline accelerated after a massive $10.8 billion options expiry rattled the broader crypto market, compounded by Bitcoin’s slide to $58,000, which dragged down the entire altcoin sector. Over the past 24 hours, exchanges liquidated positions worth more than $44 million — nearly all of them long bets. One whale alone lost approximately $28 million. The abrupt shutdown of the DeFi protocol Strobe Finance added further downward pressure, pushing sentiment to the breaking point.
Behind the scenes, however, a different pattern is unfolding. On Binance, XRP reserves have fallen to 2.68 billion tokens, with withdrawals exceeding deposits for seven consecutive days — a clear sign of accumulation. The surge in large-holder wallets and sustained ETF demand suggest that institutional players view the current price as a buying opportunity. This divergence between price and on-chain fundamentals has become the defining theme of XRP’s recent trading.
Should investors sell immediately? Or is it worth buying XRP?
Ripple’s operational progress has done little to soothe the market’s nerves. In Japan, the company’s stablecoin RLUSD has become the first foreign dollar-pegged token approved under the nation’s new Payment Services Act. The token is now tradable through partner SBI VC Trade and is backed by US Treasuries and cash. Notably, this version of RLUSD runs on the Ethereum blockchain, not Ripple’s own XRP Ledger. Meanwhile, on June 23, Ripple secured a provisional MiCA license in Luxembourg, granting access to all 30 countries of the European Economic Area. On the technology front, the network activated version 3.2.0 of its core software, cutting node storage requirements by up to 40% and laying the groundwork for native lending features.
Political headwinds threaten to stall any recovery. The CLARITY Act, a bill that would hand oversight of digital asset spot markets to the Commodity Futures Trading Commission, remains stuck in the US Senate. A related housing bill that President Trump recently delayed signing has further complicated the legislative calendar. Analysts warn that the longer the Senate deliberates, the more uncertain XRP’s classification as a digital commodity becomes — a status the token needs to attract broader institutional adoption.
Technical indicators offer little relief. The Relative Strength Index is deep in oversold territory, historically a precursor to a bounce but no guarantee in a bearish macro environment. If XRP breaks below the psychologically critical $1.00 mark, the next support sits near $0.80. Conversely, reclaiming $1.10 would signal the first break in the current downtrend. For now, the market is caught between a wave of retail capitulation and the steady hand of whales loading up — a tug-of-war that will likely be resolved by the next legislative move in Washington.
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