XRP Price Prediction: Whales and Retail Traders Are Taking Opposite Sides

XRP whales are accumulating while retail sits on the sidelines, and the split is what’s our price prediction is based. On-chain data from CryptoQuant shows XRP’s whale-retail spread jumping from 33% to 45.8%.

This means that large transactions are dramatically outpacing small ones. Binance data confirms the trend, with the spread there climbing from 35.6% on July 28 to 36.3% by September 9.

A recent report also flagged that XRP’s 30-day whale flow moving average has turned positive again. Whales are buying even as the spot price stays glued between $1.40 and $1.43.

Adding to the picture, SoSoValue data shows XRP spot ETFs pulled in $1.55 million in inflows on September 8, making XRP the only top-five ETF by net assets to post a gain that day.This accumulation is happening despite deteriorating odds on the CLARITY Act, with prediction markets now pricing just a 15% chance of passage in 2026.