XRP Whale Accumulation Signals Strategic Positioning Despite Market Uncertainty

As of December 3, 2025, the XRP ecosystem is witnessing a significant consolidation of wealth, with the top 10,000 wallets now commanding a staggering 85% of the circulating supply, equivalent to 51.39 billion tokens. This heightened concentration underscores a pivotal phase of whale activity, even as the broader market faces headwinds. Notably, within a single 24-hour period, 78 new wallets emerged, collectively accumulating 77.324 million XRP. Among these, a single entity made a substantial purchase of 35 million tokens, while six other distinct wallets each secured 1.99 million XRP, indicating coordinated or similarly strategic moves among large holders. This aggressive accumulation by whales, often considered 'smart money' in cryptocurrency markets, suggests a strong underlying conviction in XRP's long-term value proposition, potentially anticipating future catalysts or network developments. The reshuffling and entry of new major holders could be a preparatory maneuver ahead of significant ecosystem updates, regulatory clarifications, or broader adoption milestones within the finance sector. While technical indicators currently present a mixed picture, with XRP trading near the $2 mark and showing signs of bearish momentum in the short term, the on-chain data tells a different story of confidence and accumulation. From a professional investment perspective, such pronounced whale activity during periods of price consolidation or weakness is frequently interpreted as a bullish divergence. It implies that entities with substantial capital and, presumably, superior market insight, are using the period of uncertainty to build positions. This concentration of supply in fewer hands can reduce liquid circulating tokens, potentially increasing volatility but also setting the stage for sharper price movements upward if buying pressure continues or if the whales choose to hold steadfastly. The current dynamics highlight a critical juncture for XRP, where on-chain accumulation and wealth distribution metrics may be leading indicators that precede the next major price trend, making this a crucial period for investors to monitor.

Top 10,000 XRP Wallets Control 85% of Supply Amid Whale Reshuffling

XRP's wealth concentration reaches new heights as the top 10,000 wallets now hold 51.39 billion tokens—85% of circulating supply. Whale activity intensifies despite market headwinds, with 78 new wallets accumulating 77.324 million XRP in 24 hours. A single entity scooped up 35 million tokens, while six others secured 1.99 million each.

Technical indicators paint a mixed picture: XRP trades NEAR $2 with bearish momentum, yet shows early signs of recovery potential. The ledger reveals stealth accumulation patterns, with 246 existing wallets increasing balances by 17.91 million XRP collectively. Market observers note this activity mirrors historical pre-rally accumulation phases.

XRP Eyes December Rally After November Slump as ETF Demand Looms

XRP enters December under scrutiny after a 13.8% November decline, with analysts anticipating a potential rebound fueled by ETF speculation and technical indicators. The token currently trades at $1.99, down 9.32%, against a $120.6 billion market cap.

CoinGlass data suggests a less severe December drawdown of 7.37%, hinting at possible stabilization. Macroeconomic headwinds dampened November's performance, but institutional interest and volatility could catalyze a year-end rally.

Market observers note the coin's sensitivity to regulatory developments and adoption metrics. Trading volume remains robust at $4.96 billion, with liquidity concentrated across major exchanges including Binance, Bybit, and Coinbase.

RedotPay Integrates Ripple Payments to Boost Stablecoin Cross-Border Payments

RedotPay has partnered with Ripple to enhance its stablecoin-based cross-border payment solutions, leveraging Ripple Payments for faster transactions. The collaboration introduces a new feature, "Send Crypto, Receive NGN," enabling users to convert cryptocurrencies to Nigerian Naira instantly for verified bank accounts in Nigeria.

The MOVE addresses inefficiencies in global remittance systems, where high costs and delays of one to five working days remain prevalent. By integrating blockchain technology, RedotPay aims to streamline conversions and reduce costs for users in emerging markets.

Ripple's XRP and stablecoins are central to the service, which promises settlement in minutes rather than days. The expansion aligns with growing institutional adoption of crypto-powered remittance solutions amid strained traditional infrastructure.

XRP Holds $2 Support Amid Wyckoff Accumulation Pattern and ETF Liquidity Speculation

XRP defends the $2.00 psychological support level, trading at $2.02 after a brief pullback. The asset's resilience aligns with a multi-month Wyckoff reaccumulation pattern, now in Phase C—a stage often marked by temporary dips below support before recovery. Analysts interpret these dips as potential 'springs,' or final shakeouts, before renewed buying interest emerges.

Institutional accessibility is reshaping XRP's liquidity profile, with Vanguard’s potential spot ETF listing adding momentum. The token remains above its 20-month exponential moving average at $1.94, reinforcing the bullish technical structure. Market observers note that breaches of support in Phase C don’t invalidate the broader accumulation thesis but may signal impending reversals.

XRP Price Prediction: Symmetrical Triangle Suggests Impending Breakout

XRP has stabilized near $2.17 after a volatile month, buoyed by rising trading volume and renewed technical interest. The cryptocurrency now faces a critical juncture as it consolidates within a symmetrical triangle pattern—a formation often preceding significant price movements.

Market participants are closely watching the $2.12 support level, which has provided a stable foundation for XRP's recent recovery. The asset's 8.62% daily gain reflects growing confidence among traders, with $4.39 billion in daily volume reinforcing the bullish case.

Technical analysts highlight the symmetrical triangle's narrowing range as particularly consequential. Such patterns typically resolve with powerful breakouts, though the direction remains uncertain until confirmed by price action. The formation's multi-month duration suggests its resolution could dictate XRP's medium-term trajectory.

Ripple Custody Advances Security for Tokenized Finance as Institutional Adoption Accelerates

Global financial institutions are rapidly adopting digital asset custody solutions to secure private keys and enable tokenized asset use cases. Ripple Custody has emerged as a key player, offering institution-grade protection and governance capabilities as the market prepares for a projected $16 trillion tokenized economy.

The shift toward blockchain-based asset management is driving demand for reliable custody frameworks. Banks and fintech firms increasingly view these solutions as foundational for services like stablecoin payments, crypto trading, and tokenized securities. Ripple's security infrastructure combines HSM with FIPS-certified hardware, mirroring the rigor of traditional banking systems.

Institutions now face a critical choice between third-party custodial services and self-managed non-custodial models. This decision comes as digital assets move deeper into mainstream finance, with custody becoming the linchpin for secure operations in the growing tokenization landscape.