Key Insights:
- XRP drops over 30% in February, trades 61% below its $3.66 all-time high.
- Whales accumulated 3.17B XRP since October, controlling 17.04% supply.
- XRP ETFs hold $1B+ AUM despite mixed February inflows.
XRP is set to close February in negative territory as it trades near $1.43, down more than 30% from its early-month level of $2.05. The token fell to a monthly low of $1.11 before rebounding into the $1.40 range.
Despite strong whale accumulation and expanding institutional activity on the XRP Ledger, broader crypto market weakness continues to pressure price action. The downward trend experienced in February, marks one of weakest months in XRP history, reinforcing a cautious sentiment among traders.
Since 2014, XRP has recorded losses in seven of 11 February trading periods. The highest monthly drops reached 33.4% in 2014 and 22.1% in 2018. With only a few days remaining, the asset would require a rally of more than 40% to end the month positive. With this in mind, analysts believe that this is not likely to happen under the current circumstances. The market capitalization of the token is over 87 billion and the 24-hour volume is approximately 1.7 billion. XRP is still about 61% below its all-time high of $3.66 in July 2025.
Institutional Adoption Expands Despite Price Weakness
The XRP Ledger adoption metrics indicate further growth. Network-based tokenized real-world assets have surpassed $354 million in the last month, and the report indicates that 63% of tokenized U.S. Treasurys are issued on XRPL infrastructure.
Banking organizations such as DBS Group and Franklin Templeton are establishing trading and lending infrastructures over tokenized money market funds on the ledger. In payments, Deutsche Bank is partnering with Ripple to modernize cross-border transfers, signaling continued enterprise engagement.
ETF Flows and Whale Accumulation Signal Divergence
Seven XRP spot exchange-traded funds now trade in the United States, with combined assets exceeding $1 billion and roughly 790 million XRP locked. The funds recorded 43 consecutive trading days without outflows after launch. However, flows turned mixed between Feb. 11 and Feb. 20, with only one positive inflow day totaling $4.5 million.
On-chain data from Santiment shows wallets holding between 10 million and 100 million XRP accumulated 3.17 billion tokens since October 2025, now controlling 17.04% of the asset circulating supply. The exchange balances decreased by 55 percent to 1.7 billion XRP. On Binance, the funding rates dropped to negative 0.028%, historically associated to short-term rebounds.
Ahead of the month-end, traders are keeping a watch on funding rates, ETF flows, and overall crypto sentiment. Stay in touch with Crypto Breaking News as we continue uncovering the XRP price outlook, February 2026.
