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<p>XRP has struggled to build momentum above $1.30 despite Santiment reporting that wallets holding at least 10 million tokens now control 46.87 billion XRP, representing approximately 68.5% of the supply tracked by the analytics platform.</p>
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 <div class="cn-block-summary__nav tabs"><span>Summary</span>
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   <li>XRP whale wallets reportedly control 46.87 billion tokens, according to Santiment.</li>
   <li>XRP trades near $1.30 after losing almost 15% over the past month.</li>
   <li>Positive money flow contrasts with continued bearish pressure on the daily chart.</li>
   <li>Analysts identify $1.20 support and $1.50 resistance as important recovery levels.</li>
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<p>According to an October 27 Santiment update, the concentration of XRP among large holders has reached its highest level since November 2022. The firm described continued accumulation by major wallets even as the cryptocurrency trades well below its September levels.</p>
<p>At the time of reporting, <a href="https://crypto.news/price/xrp/" rel="noopener noreferrer nofollow">XRP price</a> stood at $1.30, up 0.5% over 24 hours but down 14.74% over the past month. Daily trading volume reached $1.35 billion, with prices ranging between $1.27 and $1.31.</p>
<h2 class="wp-block-heading" id="strong-xrp-whale-holdings-rise-despite-weak-market-performance-strong"><strong>XRP whale holdings rise despite weak market performance</strong></h2>
<p>Santiment’s latest figures show that wallets containing at least 10 million XRP have continued accumulating tokens despite the recent price decline. The reported 46.87 billion holdings represent a concentration level the firm has not recorded since November 2022.</p>
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   <p>🚨 XRP Whales Now Control Most Supply Since 2022<br><br>🐋 Wallets holding at least 10M XRP now control 46.87B tokens. That represents roughly 68.5% of XRP’s supply, the highest share held by this group since November 2022.<br><br>📈 The key signal is that these massive holders have kept… <a href="https://t.co/YOvZB3pT08" rel="noopener noreferrer nofollow">pic.twitter.com/YOvZB3pT08</a></p>— Santiment Intelligence (@SantimentData) <a href="https://x.com/SantimentData/status/2114852436024160434?ref_src=twsrc%5Etfw" rel="noopener noreferrer nofollow">October 26, 2026</a>
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<p>However, a rising balance among the largest addresses does not mean every category of whale investor is accumulating. As crypto.news <a href="https://crypto.news/xrp-price-prediction-whale-selling-etf-inflows/" rel="noopener noreferrer nofollow">previously reported on whale activity</a>, the number of wallets holding between 10 million and 100 million XRP recently declined from 351 to 339, while exchange-associated balances increased.</p>
<p>The difference reflects the distinction between the combined holdings of large wallets and the number of addresses within an individual balance category. Exchange custody arrangements and transfers between addresses can influence both measures, making it difficult to determine how much represents fresh investment.</p>
<p>You might also like: <a href="https://crypto.news/xrp-price-prediction-etf-inflows-wallet-growth/" rel="noopener noreferrer nofollow"> Can XRP price hold $1.26 as selling pressure builds? </a></p>
<p>CryptoQuant analyst Darkfost previously identified <a href="https://crypto.news/xrp-price-whale-inflows-binance-etf-demand/" rel="noopener noreferrer nofollow">rising XRP deposits to Binance</a>, with the monthly average value of whale transfers reaching $112.4 million. Although exchange inflows can precede selling, the metric does not establish that every deposited token was sold.</p>
<h2 class="wp-block-heading" id="strong-xrp-price-analysis-shows-buyers-returning-cautiously-strong"><strong>XRP price analysis shows buyers returning cautiously</strong></h2>
<p>On the daily chart, XRP price was trading near $1.30 after repeatedly struggling to maintain a recovery above $1.30. Recent lower highs indicate that the token has yet to reverse its October correction, although some indicators suggest buying demand is improving.</p>
<p>The Chaikin Money Flow indicator climbed to 0.06, moving into positive territory following predominantly negative readings during October. A positive CMF reading indicates buying pressure within the indicator’s measurement period, but it does not guarantee an immediate price recovery.</p>
<figure class="wp-block-image size-large"><img width="1024" height="627" src="https://media.crypto.news/2026/10/image-178-1024x627.webp" alt="XRP price chart, source: crypto.news">
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  XRP price chart, source: crypto.news
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<p>Meanwhile, Bull Bear Power remained negative at −0.0368, showing that sellers still retain a modest advantage. The difference between the indicators suggests capital inflows are recovering without producing enough momentum to establish a sustained upward trend.</p>
<p>Immediate support lies between $1.28 and $1.30, followed by $1.20 and $1.10. A daily close below $1.28 could expose the lower support levels, while reclaiming $1.35 would improve the prospects of a recovery toward $1.40 and $1.50.</p>
<h2 class="wp-block-heading" id="strong-xrp-price-prediction-divides-analysts-over-recovery-targets-strong"><strong>XRP price prediction divides analysts over recovery targets</strong></h2>
<p>Crypto analyst Carolina <a href="https://x.com/Carolinatcwnl/status/2114819308648071557?s=20" rel="noopener noreferrer nofollow">identified</a> $1.30 as an important level in her longer-term XRP outlook, with additional targets at $1.55, $2.00, $3.50 and $5.00. Her projection depends on a potential expansion of the total cryptocurrency market capitalization toward $23 trillion, a scenario that remains speculative.</p>
<p>Another analyst, Crypto With Gopal, identified a possible inverse head-and-shoulders formation with neckline resistance between $1.65 and $1.70. A confirmed breakout could support a move toward $2.50, while failure to hold the 1.00–1.10 area would weaken the proposed reversal.</p>
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   <p><a href="https://x.com/search?q=%24XRP&amp;src=ctag&amp;ref_src=twsrc%5Etfw" rel="noopener noreferrer nofollow">$XRP</a> is forming a potential Inverse Head &amp; Shoulders pattern 👀📈<br><br>Bulls are trying to build a reversal after a prolonged downtrend, with the $1.65–$1.70 neckline acting as a key resistance zone. A breakout above it could open the door toward $2.50 🔥<br><br>$1.00–$1.10 remains an… <a href="https://t.co/Stsu6spOtV" rel="noopener noreferrer nofollow">pic.twitter.com/Stsu6spOtV</a></p>— Crypto With Gopal (@cryptowithgopal) <a href="https://x.com/cryptowithgopal/status/2114964660936192116?ref_src=twsrc%5Etfw" rel="noopener noreferrer nofollow">October 27, 2026</a>
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<p>EGRAG CRYPTO examined a potential bearish crossover between XRP’s 21-month exponential moving average and 33-period moving average. The analyst <a href="https://x.com/egragcrypto/status/2114654220192276660?s=20" rel="noopener noreferrer nofollow">outlined</a> scenarios involving a bottom already forming near $1.25, another decline toward $1.07, or a deeper correction toward $0.80.</p>
<p>EGRAG cautioned that the projected timing relies on only two historical cycles and does not constitute a proven market pattern. The analyst’s December 2026 and subsequent 2027 timing windows remain hypothetical until a crossover and corresponding price action can be confirmed.</p>
<h2 class="wp-block-heading" id="strong-ripple-developments-have-yet-to-trigger-a-sustained-xrp-rally-strong"><strong>Ripple developments have yet to trigger a sustained XRP rally</strong></h2>
<p>XRP’s muted price performance follows Ripple’s announcement of final U.S. regulatory approval for Ripple National Trust Bank. Ripple CEO Brad Garlinghouse said the approval gives the company a federally supervised platform to support RLUSD and provide digital asset custody to enterprises, although XRP has not sustained a major price recovery following the news.</p>
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   <p>Big news heading into <a href="https://x.com/RippleSwell?ref_src=twsrc%5Etfw" rel="noopener noreferrer nofollow">@RippleSwell</a>: the <a href="https://x.com/USOCC?ref_src=twsrc%5Etfw" rel="noopener noreferrer nofollow">@USOCC</a> has granted final approval for Ripple National Trust Bank.<br><br>This gives Ripple a federally supervised platform to support <a href="https://x.com/search?q=%24RLUSD&amp;src=ctag&amp;ref_src=twsrc%5Etfw" rel="noopener noreferrer nofollow">$RLUSD</a> and provide digital asset custody to enterprises.<br><br>We’ve always said crypto and banks work better…</p>— Brad Garlinghouse (@bgarlinghouse) <a href="https://x.com/bgarlinghouse/status/2114860293859778775?ref_src=twsrc%5Etfw" rel="noopener noreferrer nofollow">October 26, 2026</a>
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<p>Institutional activity on the XRP Ledger has continued, with <a href="https://crypto.news/ripple-aviva-investors-sterling-fund-xrp-ledger/" rel="noopener noreferrer nofollow">Aviva Investors launching tokenized shares</a> of its £22 billion Sterling Liquidity Fund. Aviva invested £50 million in the new share class, while the combined value invested across its two tokenized liquidity offerings exceeded £86 million.</p>
<p>Read more: <a href="https://crypto.news/whitearmor-demands-15m-in-bitcoin-from-crypto-casino-gamdom/" rel="noopener noreferrer nofollow"> WhiteArmor demands $15M in Bitcoin from crypto casino Gamdom </a></p>

XRP price struggles at $1.30 despite whale holdings reaching 4-year high

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