XRP News Today: Whale Wallets Grow as Schwartz Reveals Major XRP Sales

XRP News Today: Whale Growth, Schwartz’s Sales and XRPL’s Next Moves

Here is the latest XRP news today: the token trades at about $1.04, down 1.18% in 24 hours, yet four developments point in different directions. 

Large wallets are growing, a former Ripple executive says he has sold nearly all his crypto, a lending upgrade is still short of votes, and a quantum-safety plan is taking shape.

Where Is the Token Trading Now?

According to the 24-hour market chart, the token moved in a narrow, choppy range between roughly $1.04 and $1.07 and ended near $1.04. 

Trading volume fell 30.56%, so fewer coins changed hands than a day earlier.

Source: CoinMarketCap Live Data

Market value is the price multiplied by the 63.51 billion coins in circulation. Fully diluted value assumes all 100 billion coins, the maximum supply, at today’s price.

Are Large Wallets Really Growing?

Santiment, a crypto analytics firm, published an insight on 11 November about large holders. It counts wallets holding at least 10,000 XRP, which is about $10,400 at today’s price, and says there are roughly 343.5K of them. 

That is up 16,815, or 5.15%, in nine months. The firm says the price has fallen about 30% over seven weeks, so larger holders are growing while prices drop. 

Source: Santiment Intelligence

It sees this as an encouraging divergence and a sign that some bigger traders may be buying the fear. 

You can follow its live wallet-count chart yourself. Wallet counts are not people counts, because one holder can own several wallets.

Santiment calls $1.00 the key level to defend, and it describes two scenarios:

• Bullish: If wallet growth continues while the token holds $1 and Bitcoin stabilizes, a move back to 1.10–1.15 could develop quickly.

• Bearish: If $1 is lost and wallet growth reverses, a short-term selloff would be likely, followed by a bounce.

These are the firm’s views, not guarantees. They make wallet growth one of the most-watched numbers in XRP news today discussions.

What Did David Schwartz Say About His Holdings?

Ripple’s former CTO, David Schwartz, said that he has sold nearly all of his digital assets and has not bought the token in a long time because he is very uncomfortable with risk. 

He gave rough figures for how his holdings changed:

On his own numbers, that is about 88% fewer XRP. These are his rough estimates, and he framed the move as a matter of personal risk comfort. 

One holder’s portfolio choice is not a measure of the network itself.

How Close Is the XRPL Lending Upgrade?

The XRP Ledger (XRPL) is the blockchain behind the token. Its next big upgrade is a native lending feature. 

The official docs say it allows on-chain, fixed-term loans without collateral, funded from pooled money in a shared vault. 

Three roles are involved: loan brokers who manage vaults, depositors who add money, and borrowers. 

Credit checks happen off-chain, and an optional “first-loss” buffer from the broker helps cover defaults. 

The current design has no automated on-chain collateral and liquidation system.

These figures are read live from the ledger. An upgrade activates only if more than 80% of trusted validators, the operators who vote on the network’s rules, support it for 14 days in a row. 

Source: BankXRP post

Lending needs 7 more votes, and the vault needs 6. Both arrived in software version 3.1.0 on 28 January 2026, and the known amendments page tracks status. 

For readers following XRP news today, 29 is the number to watch.

What Is the Quantum-Safety Plan?

A future quantum computer could in theory forge the digital signatures that protect accounts. 

Ripple’s post-quantum plan notes that an account’s public key becomes visible on the ledger every time it signs and says this does not mean assets are at risk today. 

Source: Crypto Rover

The plan has four phases:

Separately, the XRP Ledger Foundation’s 2027 roadmap evaluates a proposal that would let accounts and validators sign with ML-DSA-44, a method a quantum computer is not expected to break. 

The page, updated 4 November, scores it 7 out of 12 and estimates costs at $215,000 to $255,000. 

It schedules a study in the first half of 2027, with development and audit in late 2027 or 2028. 

It lists these trade-offs:

• Each signed transaction would be about 3.1 times larger than an ordinary payment.

• Fees do not scale with size, so a size-based fee may be needed.

• Accounts would also need to disable their old keys, and the change needs a full outside security audit.

The page says no major blockchain has yet launched this for ordinary accounts, so XRPL would be among the first. The full roadmap and the public discussion are open to read.

Conclusion

In short, today’s XRP news today picture is mixed. The token trades near $1.04, large wallets are rising, one insider has cut his holdings, and two network upgrades are still being prepared. Watch the lending vote count and the $1 level.

Disclaimer

This article is for educational and informational purposes only and is not financial or investment advice. Crypto assets are high risk, their prices can be very volatile, and you can lose some or all of your money. Always do your own research and consider speaking with a licensed financial advisor before making investment decisions.