Ever since XRP’s price surged, most people who bought in are now seeing losses, according to blockchain info. TradingView’s market analysis indicates that over 70% of XRP investments were made during the token’s price peak in December and January, when enthusiasm was running high.
This conclusion is drawn from XRP’s realised capitalization by age — a metric that groups holders based on how long they’ve kept their tokens, offering insight into investor behavior over time. XRP reached a high of $3.31 during the period surrounding Donald Trump’s inauguration as U.S. President, but has since declined by roughly 30%, leaving many late entrants in the red.
Bitcoin Hits Record High, Reversing Early-Year Losses
Bitcoin has bounced back strongly from its first-quarter slump, reaching a new all-time high above $111,000. This marks a major milestone for the world’s largest cryptocurrency, showing renewed confidence from investors and signaling strength in the broader crypto market. The sharp rebound highlights Bitcoin’s ability to recover quickly from market setbacks and re-establish its momentum after periods of volatility.
XRP Setback as Retail Investors Await Rebound
In contrast to Bitcoin’s rally, XRP’s recent price action tells a different story. A large number of investors entered the market near the token’s last peak, likely driven by excitement and hopes of quick gains. However, the subsequent price dip caught many of these latecomers off guard, leading to significant losses. This pattern reflects a common trend of emotional, hype-driven buying in crypto markets, where retail traders often enter at the top.
Despite the pullback, XRP’s loyal community—often referred to as the “XRP Army”—remains hopeful. Many are now waiting on the sidelines for a potential second rally that could bring the token back into the spotlight. As of today, XRP is trading at approximately $2.317, according to TradingView.
ETF Coming Soon?
According to Glassnode’s data on XRP’s total supply last active shows a clear rise in the amount of XRP remaining untouched, suggesting many holders are choosing to stay put rather than sell at a loss amid recent price dips. This growing dormant supply reflects a cautious stance among investors.
Meanwhile, Polymarket bettors are less optimistic about XRP reaching its $3.40 yearly high this year. They currently assign only a 45% chance that the Ripple-linked token will hit a new all-time high before 2026, down sharply from 66% in early May. This drop highlights a more reserved market outlook for XRP moving forward.
XRP Waits on ETF Green Light
Sustained buying interest in XRP is unlikely to pick up without a new trigger to draw investors back in. One of the most promising potential triggers is the approval of a spot exchange-traded fund (ETF) based on XRP. Such an ETF would provide a regulated and straightforward way for both retail and institutional investors to access the token, potentially leading to increased demand and trading activity.
The U.S. Securities and Exchange Commission (SEC) is currently reviewing several applications for XRP-related ETFs and is expected to decide by mid-October. This upcoming ruling is being closely watched, as it could greatly influence XRP’s price movement and overall market sentiment in the near future.
Final Thoughts
XRP is currently experiencing a challenging period, with many individuals who purchased it at a high price now facing losses. Unlike Bitcoin, which has bounced back strongly, XRP’s price is not moving much, and more holders are keeping their coins instead of selling at a loss. Many investors are feeling cautious. A big event that could change things is the approval of an XRP spot ETF by the SEC, expected by mid-October. This could bring new buyers, both everyday investors and big institutions. Until then, most people are waiting and hoping for something to boost XRP’s price again.
