WHALE CONVICTION: WHALES BUY 170M XRP AMID RECORD $105M INSTITUTIONAL INFLOWS

XRP is witnessing a major divergence between its price action and investor conviction as of February 24, 2026. Despite a 9% price decline this week that saw the token slip to $1.32, XRP whales (holding 10M–100M tokens) have aggressively accumulated 170 million XRP. This “buying the dip” behavior is mirrored by institutional players, who have poured a unmatched $105 million into XRP month-to-date even as Bitcoin and Ethereum recorded net outflows. With the market price now falling below the on-chain “Realized Price,” historical data suggests XRP is entering a deep undervaluation zone that has previously preceded swift trend reversals. Institutional Dominance: XRP Outperforms BTC and ETH in Inflows While the broader market remains cautious, professional capital is flowing into XRP at an unprecedented rate for 2026. The $105M Streak: Month-to-date institutional inflows have reached $105 million, reflecting a strategic pivot toward XRP. In the week ending February 20 alone, institutions added $3.5 million in exposure, providing a critical liquidity cushion during a period of global market stress.Professional Positioning: Unlike speculative retail trading, these sustained inflows suggest that institutional desks view current prices as a long-term value play, particularly as they exit positions in other major Layer-1 assets. Whale Warfare: 170 Million Tokens Absorbed During a 9% Drop The “smart money” on-chain is actively counteracting the downward price pressure by reducing the liquid supply. Aggressive Accumulation: Large holder addresses (10M–100M XRP) added 170 million tokens to their balances over the past week. This coordinated buying during a price slide is a classic signal of high-conviction accumulation.The Realized Price Floor: For the first time in several months, XRP is trading below its Realized Price the average price paid by all holders. Historically, XRP has rarely stayed in this “undervalued” zone for long, as it typically attracts enough demand to spark a sharp recovery. Technical Roadmap: The $1.28 Floor and $1.47 Breakout XRP’s near-term fate is tied to a descending trendline that has dictated price action throughout February. Immediate Support: After losing the $1.36 level, XRP is now looking toward $1.28 and $1.21 as its final defensive zones. Global risk-off sentiment, partially driven by recent tariff hikes, continues to weigh on the asset.The Breakout Target: To invalidate the current bearish structure, XRP must decisively break above the descending resistance and reclaim $1.47. A daily close above this level would signal a shift in momentum and open the door for a return to late-January highs. Essential Financial Disclaimer This analysis is for informational and educational purposes only and does not constitute financial, investment, or legal advice. Reports of 170 million XRP being accumulated by whales and $105 million in institutional inflows are based on market analysis and on-chain data from Santiment and CoinShares as of February 24, 2026. Metrics like “Realized Price” are historical indicators and do not guarantee future performance. XRP remains an extremely volatile asset; the $1.32 valuation is subject to rapid shifts, and a breakdown below the $1.21 support floor could lead to significant capital loss. Always conduct your own exhaustive research (DYOR) and consult with a licensed financial professional before making significant investment decisions in Ripple or XRP.

Do you think the 170M whale accumulation is the “ultimate signal” for an XRP comeback, or will macro headwinds push the price to $1.21?