Whales Quietly Seize Record 32% of XRP Supply as Retail Waits

Dr. Kamilah Stevenson contrasts two investor groups over roughly the past six months: nervous retail and relentlessly accumulating whales. On the sentiment side, an XRP exchange-traded product reportedly saw about $31 million in outflows in March alone, a signal that some institutional-facing products have been bleeding capital rather than attracting it.

Broader crypto surveys, she notes, have been “flashing fear,” and XRP comment sections are filled with questions like “When is it going to move?” and “Maybe the thesis is wrong.”

Against that backdrop, wallets holding between 10 million and 1 billion XRP accumulated approximately 4.09 billion tokens since the October 2025 flash crash, according to the video. That crash triggered about $19 billion in liquidations across crypto in under 24 hours — arguably the most stressful moment for XRP in 2025–2026.

Yet during that same window, these large holders pushed their ownership to roughly 32% of all circulating XRP, a record share, with a 30‑day moving average of about 11 million XRP added per day.

The accumulation story is paired with what the analyst calls a “historic illiquidity” trend. In February 2026 alone, an estimated 7.03 billion XRP left centralized exchanges for cold storage or institutional custody — the biggest monthly outflow since November 2025.

Since the October crash, XRP’s net exchange balances are said to be down around 16%, meaning there is materially less token supply readily available for sale.

Because XRP has a fixed supply and small amounts are burned with every base transaction, the analyst frames this as a tightening market structure: fewer tokens sitting on order books, more controlled by long‑term, conviction holders.

If U.S. regulatory moves such as the proposed “Clarity Act” proceed — potentially cementing assets like XRP as digital commodities and smoothing the way for larger American institutional allocations — that demand would be “looking for supply to buy” in a much thinner market, Ms. Stevenson says.

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