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An investor who invested $1,000 in XRP (Ripple) at the beginning of this year is currently experiencing a loss of nearly $200. However, with aggressive accumulation by whale investors and renewed expectations for the US cryptocurrency market structure bill, the CLARITY Act, the market is also noting the possibility of a rebound.
According to the cryptocurrency media outlet Finbold on May 14 (local time), approximately 541.95 XRP could have been purchased for $1,000 at the beginning of 2026. However, the value of that quantity has now decreased to around $802.09. The price of XRP has fallen by approximately 19.79% year-to-date, with the price per token dropping by $0.3639.
There was also a strong upward trend in the early stages of the investment. The portfolio rose to over $1,268 during the first week of investment, but then the XRP price plummeted by over 48% from January 6 to February 5, causing the valuation to drop to $655.80. Since then, XRP has failed to recover its initial investment, maintaining a sideways trend around $1.40 for about 98 days.
However, the market still leaves open the possibility of a rebound before the end of the year. In particular, whale addresses holding at least 10 million XRP or more on the XRP Ledger (XRPL) have continued aggressive accumulation this year, the media reported. According to Santiment on-chain data analysis, these whale investors' XRP holdings have cumulatively increased to approximately 45.83 billion units. This is an increase of over 5 billion units compared to the beginning of the year.
Currently, these whale investors are estimated to hold about 68.5% of the total XRP supply. The market is paying attention to the fact that large investors are steadily increasing their holdings even in a bear market. In particular, the recent passage of the US cryptocurrency market structure bill, the CLARITY Act, by the US Senate Banking Committee with a 15-9 vote, is also boosting expectations for easing regulatory uncertainty.
The media assessed that while XRP investors are still in a loss zone, the market sentiment has not completely collapsed given the simultaneous expectations of whale accumulation and regulatory tailwinds. However, it is pointed out that the failure to recover initial investment funds year-to-date continues, and thus the possibility of increased volatility should also be watched.
*Disclaimer: This article is for investment reference only, and we are not responsible for any investment losses based on it. The content should be interpreted for informational purposes only.*
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