XRP Investors in Tears…20% Evaporated in 5 Months!

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An investor who invested $1,000 in XRP (Ripple) at the beginning of this year is currently recording a loss of nearly $200. However, with aggressive accumulation by whale investors and renewed expectations for the US cryptocurrency market structure bill, the CLARITY Act, the market is also focusing on the possibility of a rebound.

According to the cryptocurrency media outlet Finbold on May 14 (local time), approximately 541.95 XRP could have been purchased for $1,000 at the beginning of 2026. However, the value of that amount has now decreased to around $802.09. The price of XRP has fallen by approximately 19.79% year-to-date, with the price per token dropping by $0.3639.

There was also a strong upward trend in the early stages of the investment. The portfolio rose to over $1,268 during the first week of investment, but then the price of XRP plunged by more than 48% from January 6 to February 5, causing the valuation to drop to $655.80. It is explained that XRP has since failed to recover its initial investment, continuing a sideways trend around $1.40 for about 98 days.

However, the market still leaves open the possibility of a rebound before the end of the year. In particular, the media reported that whale addresses holding at least 10 million XRP or more on the XRP Ledger (XRPL) have continued aggressive accumulation this year. According to Santiment's on-chain data analysis, these whale investors' XRP holdings have cumulatively increased to approximately 45.83 billion units. This is an increase of over 5 billion units compared to the beginning of the year.

Currently, these whale investors are estimated to hold about 68.5% of the total XRP supply. The market is paying attention to the fact that large investors are steadily expanding their holdings even during a bear market. In particular, the recent passage of the US cryptocurrency market structure bill, the CLARITY Act, by the US Senate Banking Committee with a 15-to-9 vote, is also reigniting expectations for easing regulatory uncertainty.

The media assessed that while XRP investors are still in a loss-making phase, the market sentiment has not completely deteriorated, given the ongoing whale accumulation and expectations of regulatory tailwinds. However, it is pointed out that the failure to recover initial investments since the beginning of the year continues, and the possibility of increased volatility should also be watched.

*Disclaimer: This article is for investment reference only, and we are not responsible for any investment losses based on it. This content should be interpreted for informational purposes only.*