Key Highlights
- Whale Activity: Over 3.8 billion XRP have flowed into the Binance exchange since the start of 2026, with a massive 31 million XRP transfer recorded just this week.
- Price Struggles: XRP is currently trading around $1.41, having dropped nearly 30% over the last three months as it struggles to stay above key support levels.
- Critical Floors: Experts warn that failing to hold the $1.20 level could lead to a deeper crash toward $0.85 – $1.00.
- Corporate Interest: Despite the price drop, eight major corporations recently committed $2 billion to XRP reserves, showing long-term confidence from big business.
Why XRP Is Dropping Today: Whales Move Millions as $1 Level Looms
Large investors, known as “whales,” are currently moving millions of XRP tokens to exchanges, sparking fears of a major sell-off that could push the price below the $1.00 mark.
What Is Happening with the XRP Whales?
In the world of digital currencies, “whales” are individuals or groups that hold massive amounts of a specific coin. When these whales move their holdings from private, secure wallets onto public trading platforms like Binance, it usually suggests they are preparing to sell.
Since the beginning of 2026, the movement of XRP toward exchanges has been systematic rather than random. Data shows that whales have sent nearly 3.8 billion tokens to Binance this year. This creates “sell-side pressure,” meaning there are more people looking to sell than there are buyers ready to jump in, which naturally pushes the price down.
Why Is the Price Falling So Fast?
The current price drop isn’t just about a few big sellers. It is a “perfect storm” of several different factors:
- Market-Wide Slump: Major assets like Bitcoin and Ethereum have seen significant pullbacks. When the “leaders” of the market fall, tokens like XRP often follow.
- Historical Patterns: February is historically one of the weakest months for XRP. Data shows an average performance of -5% for the month, with some years seeing drops of nearly 29%.
- Macroeconomic Fear: Global trade tensions and economic uncertainty in early 2026 have made investors nervous. In times of stress, people often sell “risky” assets like crypto to keep their money in safer places like cash.
Will XRP Drop Below $1?
To understand where the price is going, we have to look at “support levels” prices where buyers usually step in to stop a fall. If the price breaks through these “floors,” it can trigger more panic selling.
| Price Level | Importance | Outlook |
| $1.41 | Current Price | XRP is currently fighting to maintain its ground here. |
| $1.20 | Major Floor | This level was tested in early February and is the last line of defense. |
| $1.00 | Psychological Barrier | A drop below this would be a major blow to investor confidence. |
| $0.85 | “Bear” Target | Some analysts warn this is the final stop if the crash continues. |
[Chart showing XRP price trend in February 2026]
The Silver Lining: Real-World Adoption
While the price looks shaky, the technology behind XRP the XRP Ledger is busier than ever. Daily successful transactions have jumped by roughly 40%, approaching 2.5 million per day.
Furthermore, big institutions aren’t running away. In early February, companies like Evernorth Holdings led a group of eight corporations in committing $2 billion to XRP reserves. Often, when the price goes down but the actual use of the technology goes up, it suggests the “sell-off” might be a temporary hurdle rather than a permanent disaster.
What Happens Next?
The next few days are crucial. Investors should watch the $1.30 area closely. If the price can stay above that, it might form a base for a recovery back toward $1.65. However, if the whales continue to dump millions of coins onto exchanges, we may see the first trip below $1.00 in quite some time.
For those holding XRP, the current volatility is a reminder that the market moves in cycles. While the “whales” are moving millions today, the long-term outlook remains tied to how many banks and companies actually use the technology for global payments.
FAQ: XRP Price and Whale Activity
1. Why is the price falling today? The drop is caused by a mix of heavy “whale” selling (moving coins to exchanges), global economic fears regarding new tariffs, and a general cooling off after the price failed to hold the $1.50 level.
2. What happens if drops below $1.00? Dropping below $1.00 could trigger automatic “stop-loss” orders, potentially causing a rapid slide toward $0.80 or $0.87 before the price stabilizes.
3. Are all whales selling their XRP? No. While exchange inflows are high, the number of wallets holding over 1 million XRP has actually increased by 42 since the start of the year, suggesting some big players are accumulating more.
4. Is XRP still a good long-term investment? Many analysts remain bullish for late 2026, with some predicting a recovery toward $3.00 if institutional adoption continues and the current selling pressure eases.
5. How can I track whale movements? You can use blockchain tracking tools like Whale Alert or monitor exchange reserve data on platforms like Crypto Quant to see when large amounts of XRP are being moved.
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