What Is XRP's Current Holding and Fund Flow Situation in 2025?

XRP's market cap reaches $159.2 billion with $4.59 billion in holdings

In mid-2025, XRP established itself as a major player in the cryptocurrency market with a substantial market capitalization of $159.2 billion, accompanied by holdings worth $4.59 billion. This positioned XRP as the third-largest cryptocurrency by market capitalization, demonstrating significant growth from previous years. The distribution of XRP ownership reveals interesting patterns about market confidence and institutional adoption.

The substantial institutional wallet holdings, accounting for 43.4% of all circulating XRP, indicate strong confidence from major financial entities. Ripple Labs remains the single largest holder, controlling approximately 42% of the total 100 billion supply through various escrow-managed wallets.

By November 2025, XRP's market capitalization had further increased to over $250 billion, with a circulating supply of approximately 60.1 billion tokens. This growth trajectory reflects increased adoption in cross-border payment solutions, with Ripple's On-Demand Liquidity (ODL) solution gaining traction among financial institutions. The launch of Ripple's RLUSD stablecoin in 2025, with reserves custodied by BNY Mellon, has further positioned XRP to onboard institutions through regulated, dollar-denominated assets, contributing to its market cap expansion.

Exchange net inflows increase, driving price up 3% to $3.03

XRP experienced a notable price surge in October 2025, climbing 3% to reach $3.03 amid significant exchange net inflows. This positive market movement occurred after a period of volatility, with institutional investors showing renewed confidence in the digital asset. Market data reveals the correlation between exchange activity and price appreciation:

SBI Holdings' expansion of institutional XRP lending services played a crucial role in this price movement, signaling Japan's deepening commitment to cryptocurrency integration. Institutional desks confirmed a short-term price floor near $2.99, providing stability for the asset.

The rally coincided with ongoing regulatory developments, particularly the seven XRP ETF applications under SEC review, with first decisions expected on October 18th. Trading volumes increased substantially during this period, reflecting heightened market interest and liquidity. Analysts view the $3.10-$3.30 range as the key battleground for further price action, with potential targets at $4.00-$4.20 if the positive momentum continues. The market sentiment appears cautiously optimistic amid these institutional developments and exchange inflows.

Large exchanges sell $63 million XRP, causing short-term price decline

In October 2025, a significant market event occurred when major cryptocurrency exchanges collectively offloaded $63 million worth of XRP tokens, triggering a notable price decline. The sell-off on October 14 resulted in XRP dropping below the crucial $2.60 support level, with prices briefly touching $2.39 before experiencing a slight recovery.

Market data shows the immediate impact of this liquidation event:

The sharp increase in trading volume indicated heightened market activity as traders reacted to the price movement. Despite the significant sell pressure, XRP demonstrated resilience by recovering above the $2.50 level within 48 hours, suggesting strong underlying support from long-term holders.

On-chain analysis revealed that following the exchange sell-off, whale wallets holding over 1 million XRP began accumulating during the dip, purchasing approximately $24 million worth of tokens. This counter-movement helped stabilize the price and prevented further decline below the $2.38 level that briefly served as temporary support during the most volatile trading period. The market has since established a new trading range between $2.50 and $2.65 as XRP continues its recovery path.

FAQ

Is XRP still a good investment?

Yes, XRP remains a solid investment. Its utility for financial institutions and potential for value growth make it attractive. Current market trends and ongoing developments suggest promising long-term prospects for XRP.

How much will 1 XRP be worth in 5 years?

Based on current forecasts, 1 XRP could be worth between $2.05 and $5.81 in 5 years, depending on institutional adoption and market trends.

Can XRP hit $100 dollars?

Yes, XRP could potentially hit $100 due to increasing utility and adoption in the financial sector. The growing use of XRP in cross-border payments may drive its value significantly higher.

Will XRP reach $1000 dollars?

No, it's highly improbable for XRP to reach $1000. Current market conditions and projections don't support such a massive price increase for XRP in the foreseeable future.