XRP News Today: XRP Whales Amass $1.9B as SEC ETF Approval Looms

XRP's recent market dynamics have been shaped by significant whale activity, pending ETF approvals, and growing institutional confidence. On-chain data reveals a 1,000% surge in whale transactions over 30 days, with $1.9 billion in XRP accumulated as prices hovered around $2.80 Whale Activity & Large XRP Transfers: Signals or Noise?^[1]. This accumulation, coupled with a 640 million XRP increase in wallets holding 100 million to 1 billion tokens, signals renewed institutional interest. Analysts note parallels to 2021 accumulation patterns, which preceded major rallies XRP Whales Boost Holdings 1,000% as Price Targets $6 Rally^[2].

The U.S. Securities and Exchange Commission (SEC) is set to review multiple XRP ETF applications in October 2025, with firms like Grayscale, Franklin Templeton, and Bitwise seeking approvals XRP Price Today Drops Below $3 After $55M Whale Transfer^[3]. Bloomberg analysts assign a 95% probability of approval, citing Ripple's regulatory clarity post-SEC lawsuit and the token's growing utility in cross-border finance XRP Whales Ignite Institutional Frenzy Amid Approaching Regulatory Crossroads^[4]. Ripple's recent acquisition of Hidden Road and partnerships with BNY Mellon and SBI Holdings further bolster institutional credibility Full List of Ripple’s Partnerships After XRP Regulatory Victory^[5].

Technical analysis highlights key resistance levels at $3.10 and $3.30, with a potential $6 price target if XRP breaks above $3.30 XRP Price Prediction — Ripple Eyes $6 Breakout as Whale Activity Rises 1,000% in 24 Hours^[6]. Whale activity has shifted from selling pressure in July-where $6 billion in XRP was dumped-toward accumulation in September, reflecting market resilience Whale Activity & Large XRP Transfers: Signals or Noise?^[1]. Exchange inflows rose 31% since September 29, indicating retail participation in short-term gains XRP Whales Boost Holdings 1,000% as Price Targets $6 Rally^[2].

Ripple's legal victory in 2023, which confirmed XRP is not a security in secondary markets, has underpinned institutional adoption. The company's XRP Ledger now supports tokenized assets like U.S. Treasuries and private debt, reinforcing its role in bridging traditional finance and digital rails Apex 2025: A Turning Point for Institutional Adoption on the XRP Ledger^[7]. Institutional players are also diversifying into smaller altcoins, with MAGACOIN FINANCE attracting 18,000 investors as a high-growth option XRP SEC Countdown 2025: Your Complete ETF Guide^[8].

Regulatory developments remain pivotal. The SEC's delayed review due to a government shutdown has pushed deadlines to October 18–25, 2025, with experts predicting a favorable outcome for XRP ETFs Full List of XRP ETF Filings: New Dates, Deadlines, and More^[9]. A successful approval could trigger $5–7 billion in inflows, potentially propelling XRP toward $7.80 XRP Whales Ignite Institutional Frenzy Amid Approaching Regulatory Crossroads^[4]. Conversely, a denial risks renewed volatility amid regulatory uncertainty.

Market sentiment is cautiously optimistic. Open interest for XRP futures reached $8.95 billion, with derivatives platforms like Binance seeing a 2.66% increase in activity XRP Price Today Drops Below $3 After $55M Whale Transfer^[3]. Analysts warn that while whale activity provides useful signals, broader factors like regulatory clarity and utility adoption will dictate XRP's long-term trajectory.