The XRP token is stuck in a brutal tug-of-war. On one side, the Ripple-backed network is sprinting ahead with a quantum‑security roadmap, a native lending protocol, and a bold push into African payments. On the other, large holders are dumping millions of tokens each day, crushing any recovery attempt. The result: XRP changes hands at roughly $1.11, down 41% year‑to‑date and a chasm away from its 52‑week high of $3.65.
Behind the scenes, the XRP Ledger (XRPL) is undergoing what developers call a “radical overhaul.” A five‑stage plan aims to make the network quantum‑safe by 2028. Version 3.1.0 of the lending protocol is awaiting validator approval, which would formally launch the ledger into the DeFi arena. An x402 protocol has been deployed to let AI agents execute autonomous payments using XRP and the RLUSD stablecoin, while an AI‑powered security team already vetted the code and patched vulnerabilities.
This technical buildup is drawing institutional capital. Over the past 60 days, the XRPL recorded net inflows of $1.7 billion, largely into tokenised real‑world assets. In contrast, Ethereum bled $5.8 billion in the same period. The value of RWAs on the XRPL has surged 78% this year to $404 million, and stablecoin transaction volumes have jumped sharply in the last month.
Ripple is also expanding its physical footprint. The company acquired a minority stake in African fintech Flutterwave at a valuation of $3.2 billion. RLUSD will be integrated into Flutterwave’s systems, which serve 35 African countries. The XRPL is positioned to act as the settlement layer for an annual payments corridor estimated at $50 billion.
Should investors sell immediately? Or is it worth buying XRP?
That bullish narrative, however, is being drowned out by heavy selling from whales. Analysts tracked more than 30 million XRP hitting the market over just five days. These disposals are damping any upward drift, even as fresh capital flows into exchange‑traded products. Spot XRP ETFs have collected $1.45 billion in total, with $10.66 million coming in the week to June 18 and a single‑day record of $17.11 million. The asset under management of XRP ETFs has blown past $1.06 billion. Yet the price barely stirs.
Exchange inventories paint a curious picture. Balances have shrunk to around 1.6 billion XRP — a seven‑year low and roughly 50% below the level seen in October 2025. Less supply on exchanges usually suggests less immediate selling pressure, but the whale‑driven distribution is more than offsetting that scarcity.
Technically, the token is fragile. The relative strength index sits at 37, near oversold territory but without a clear buy signal. The 200‑day moving average at $1.54 is distant overhead. Short‑term support at $1.10 is the last line of defence; a daily close below that would break the recent stabilisation attempt. On the upside, a close above $1.20 is needed to target resistance between $1.25 and $1.29 — a zone where a potential death cross could snuff out any rally.
The disparity between the network’s accelerating growth and the token’s languid price remains the defining feature of XRP’s current state. Whales continue to trim positions, ETF inflows provide a counterweight, and the XRPL’s infrastructure upgrades build the case for long‑term adoption. For now, the standoff between selling pressure and fundamentals looks set to keep the token range‑bound until one side decisively breaks.
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