XRP’s next move comes down mostly to risk tolerance as the token trades near $1.06 — about 4.5% lower over the past 24 hours — while the CLARITY Act remains stalled in Congress. The market is divided on whether now is the time to cut losses or add to positions, and on-chain data from Santiment helps explain why.
A split market
Santiment’s metrics show a clear bifurcation: retail-sized wallets are steadily exiting, while the largest holders are quietly accumulating. Small wallets have reduced their combined XRP holdings by roughly 5.2% over the last five weeks — a type of selling often driven by trading fatigue when a token grinds sideways. By contrast, wallets in the 100,000–100 million XRP range have added about 600 million XRP since mid-June. That accumulation helped lift XRP from roughly $1 at the end of June to around $1.16 in late July, even though the price has since pulled back to $1.06.
Why it matters
Historically, periods where whales buy while retail sells have sometimes preceded rebounds, which is the core of the current debate: should investors sell now to cut losses, or buy the dip and ride the whale-led accumulation? The answer will largely depend on how much weight you give to the on-chain accumulation trend versus short-term price action and regulatory risk.
Regulatory backdrop
Regulatory clarity is also a live factor. The CLARITY Act’s progress in Congress — and the timing of any related developments, including the RLUSD adoption Santiment flagged — could influence whether large holders continue buying into dips. Ripple CEO Brad Garlinghouse has urged lawmakers to move forward, saying, “Perfect can’t be the enemy of good. Let’s get this done!”
A practical checklist before deciding
Whether you’re considering selling, holding, or buying more XRP, Santiment and market commentators suggest checking three things first:
- Your personal loss threshold: decide in advance what drawdown you can tolerate.
- Portfolio allocation: how much of your total holdings are already in XRP?
- Regulatory catalysts: how likely and how soon are the CLARITY Act or RLUSD adoption to clear hurdles?
Execution basics
If you decide to exit, you can use a market order for an immediate sale or set a stop-loss at a chosen price to limit downside. Choosing to buy more is a bet that the whale accumulation continues and that retail selling has largely run its course.
Bottom line
Retail wallets have been shedding XRP while whales buy the dip — that split remains the clearest signal for anyone weighing a July cut-loss move with XRP at $1.06. The calculus will likely shift if and when the CLARITY Act or RLUSD adoption materialize, so traders should monitor both on-chain flows and regulatory developments before making a final call.
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