Retail investor data from Binance reveals that XRP is entering a re-accumulation phase following a strong upward movement that has witnessed relatively stable flow percentages from both whales and retail since mid-December.
Today’s XRP price prediction indicates that balanced behavior from both whales and retail investors could trigger a rally back to $3.20.
Whale Participation Declines as Distribution Phase Ends
On-chain analyst Arabchain observed that data on XRP flows to Binance demonstrates whales accounted for approximately 60.3% of total flows, compared to 39.7% for retail investors.
Whale XRP Flows to Binance Decline, Signaling Reduced Selling Pressure
“Decline in whale flows since mid-December, although still at relatively high levels, is a positive sign in the medium term, as it reduces the likelihood of a sudden sell-off.” – By @ArabxChain pic.twitter.com/P646tKZe1u— CryptoQuant.com (@cryptoquant_com) January 8, 2026
While whales still account for the largest share of flows, the overall trend since mid-December clearly indicates a gradual decline in their participation, after peaking above 70% in November and early December.
This decrease in whale flows coincides with a clear price correction, with the average XRP price dropping from near $3.20 during its late 2025 peak to around $2.26 currently.
“The decline in whale flows since mid-December, although still at relatively high levels, is a positive sign in the medium term, as it reduces the likelihood of a sudden sell-off,” Arabchain explained.
The indicator displays early signs of bullish reversal if the $2.20 level holds.
Institutional demand for XRP continues to be largely shaped by whale activity, with spot XRP exchange-traded funds acting as a key conduit for large capital flows.
Since the start of the year, spot XRP ETFs have attracted nearly $80 million in fresh inflows, extending a streak of consistent buying seen on trading days following the November launch of these products.
Cumulatively, total net inflows have now reached approximately $1.2 billion, while assets under management stand at around $1.53 billion, underscoring sustained interest from large investors.
XRP Price Prediction: Daily Chart Shows A-B-C-D Correction Completing
The XRP daily chart captures a broader corrective structure that appears to be transitioning into an early reversal phase.
The price action mapped by the A-B-C-D sequence shows a completed impulsive move followed by a prolonged decline that bottomed near the D leg around the $1.60-$1.70 region.
From that low, XRP has staged a sharp rebound, but now consolidates just above the clearly defined $2.20 support zone, which has functioned as a pivotal level in recent weeks.
Structurally, the market has broken out of the descending trendline that guided the decline from the C high, suggesting downside momentum has weakened.
However, price still hovers within a tight range around $2.10-$2.30, indicating hesitation as buyers and sellers battle for short-term control.
Momentum indicators lean cautiously bullish. The RSI has rebounded above the 50 level and holds in the mid-to-high 50s, signaling improving buying pressure without entering overbought territory.
This supports the notion that the recent pullback is corrective rather than initiating a fresh downtrend.
Provided XRP holds above $2.20, the structure favors a continuation higher toward the next resistance zone in the $2.70-$3.00 region, aligning with the projected E leg on the chart.
Maxi Doge Presale: Positioned for XRP-Led Rally
If XRP reclaims the $3.00 level and resumes its bullish rally, presale projects like Maxi Doge (MAXI) would attract capital from investors seeking high ROI opportunities.
Maxi Doge is an early-stage memecoin following the Dogecoin playbook that helped it surge over 10x during the 2023-2024 breakout rally.
The presale project has established an alpha channel to help traders exchange insider tips and share trade ideas, mirroring the early days of Dogecoin.
The MAXI presale has already raised over $4.4 million and offers 70% annual staking rewards for early participants at the current $0.000277 price.
To buy early before price increases, visit the official Maxi Doge website and connect a crypto wallet like Best Wallet.
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