XRP: Institutional Accumulation Suspected as Price Holds Near $2.18
As of early December 2025, market analysts are closely monitoring XRP amid growing speculation that major financial institutions are actively accumulating the cryptocurrency while its price remains suppressed near the $2.18 level. This theory is gaining traction as a potential explanation for XRP's puzzling inability to breach the psychologically significant $3 threshold, despite clear and growing interest from the broader trading community. The situation has been brought into sharper focus by dramatic changes in exchange holdings, most notably a staggering reported decline in Coinbase's XRP reserves. According to blockchain analysts, Coinbase's holdings plummeted from nearly 1 billion tokens to approximately 32 million in September alone. This massive outflow from a major custodial exchange is a classic hallmark of institutional accumulation, where large entities withdraw assets to cold storage for long-term holding, thereby reducing the immediate sell-side pressure on exchanges. The current price action, characterized by consolidation and resilience at the $2.18 support zone, suggests a deliberate containment. Analysts posit that this price suppression allows savvy institutional players to accumulate substantial positions at a favorable average cost before a potential catalyst triggers the next major leg up. The growing disconnect between strong underlying demand signals—evidenced by wallet movements and exchange outflows—and the subdued spot price is creating a compelling narrative for a significant supply squeeze in the future. For bullish practitioners, this presents a strategic accumulation opportunity, aligning with the view that digital assets are becoming deeply integrated into the future of finance. The current phase may represent the calm before a storm, where institutional groundwork lays the foundation for the next parabolic move in XRP's valuation.
Institutional Accumulation Suspected as XRP Price Remains Suppressed Near $2.18
Market analysts are scrutinizing unusual XRP wallet movements amid speculation that major financial institutions may be accumulating the cryptocurrency while its price lingers NEAR $2.18. The theory could explain XRP's inability to breach $3 despite growing trader interest.
Coinbase's XRP holdings reportedly plummeted from nearly 1 billion tokens to about 32 million in September, with blockchain analysts interpreting this as potential off-exchange accumulation under non-disclosure agreements. Dr. Jim Willie suggests banks like Bank of America and BNY Mellon might be building positions quietly, while BlackRock CEO Larry Fink's recent comments about an XRP ETF have fueled institutional involvement theories.
The market dynamic resembles a hydraulic shift - where capital rotating out of Bitcoin and ethereum could flow into XRP, particularly if ETF approvals create easier institutional access. However, experts caution that ETF adoption alone won't guarantee price surges, noting liquidity conditions and macroeconomic factors remain crucial.
XRP currently trades around $2.20, with its price action showing unusual stability compared to typical crypto volatility patterns. This price suppression coincides with shrinking exchange reserves and limited transparency about large-scale transactions, hallmarks of institutional accumulation strategies observed in traditional markets.
XRP's $100 Target in 2025 Deemed Mathematically Impossible
Cryptocurrency influencer Zach Humphries has dismissed claims that XRP will reach $100 by the end of 2025, calling the prediction "delusional." For XRP to hit $100, its market cap WOULD need to surge to $6 trillion—far exceeding Bitcoin's current $1.7 trillion valuation. XRP's market cap currently stands at $122 billion, making such growth implausible.
Humphries emphasized that while XRP's long-term outlook remains bullish, a 5,000% rally by December is unrealistic. The token has already faced downward pressure, risking a drop to the $1 range. Analysts caution investors against FOMO-driven accumulation based on unfounded hype.
Ripple Gains Expanded Payment License in Singapore as Crypto Infrastructure Matures
Singapore's Monetary Authority has approved Ripple's expanded Major Payment Institution license, signaling growing regulatory comfort with blockchain-based payment rails. The MOVE allows broader use of XRP and Ripple's stablecoin in one of Asia's most stringent regulatory regimes.
The decision reflects a broader trend of digital asset infrastructure moving from speculative trading to institutional-grade financial plumbing. Singapore's Payment Services Act has become a model for other jurisdictions seeking to balance innovation with oversight.
Meanwhile, the SUBBD token presale continues attracting investors with its Web3 payment stack combining AI tools and decentralized monetization controls. The project aims to address platform fee structures and content restrictions plaguing digital creators.
