XRP exchange reserves fell by 90%, and whales are hoarding in large quantities, causing a supply crunch: XRP is expected to hit the $10 mark.

On-chain data shows that the XRP reserves of mainstream CEXs have experienced a big dump of over 90% in three months, dropping from 970 million to 199.47 million. This drastic change indicates that large whales are accumulating in large quantities, leading to a potential supply tightening. Accompanied by the Fed's dovish signals and Ripple's continuous expansion of institutional partnerships, market traders are speculating that if the momentum continues, the XRP price is expected to break historical highs and approach the $10 mark.

XRP Whale Accumulation and Exchange Supply Tightening

XRP Recently made headlines again as on-chain data shows that XRP reserves on mainstream CEX have astonishingly experienced a big dump of 90%, signaling massive whale accumulation and potential supply tightening. This move, combined with bullish macroeconomic signals and Ripple's latest partnerships, has traders speculating that if the momentum continues, the price of XRP could rise to the $10 mark.

Market analysts believe that the decrease in exchange reserves has historically been associated with significant price surges, as the reduction of tokens available on exchanges typically boosts upward pressure. With the optimism in the cryptocurrency industry reignited following the Fed's interest rate cuts, XRP's price reflects an increase in investor confidence.

On-chain data shows that the XRP reserves of major CEXs have fallen from 970 million to only 199.47 million over the past three months. Such a sharp decline—over 90%—indicates that whales and institutional players are moving their held tokens off exchanges, likely for long-term storage. This reduction in liquid supply typically leads to what analysts refer to as a "supply shock," which historically causes significant price increases when demand rises. Historical accumulation cycles also support this view. In August 2025, BeInCrypto reported that whales accumulated $3.8 billion worth of XRP, driving the price close to its historical high of $3.66 in July. Analysts warn that if bullish sentiment continues, a similar situation may be forming, adding weight to predictions of prices approaching $10.

Ripple partnership drives utility growth

The recent rise is not entirely driven by technical factors. Ripple recently announced partnerships with DBS Bank and Franklin Templeton to launch a tokenized money market fund supported by its RLUSD stablecoin. This integration can enhance the utility of Ripple XRP in institutional finance, promote real-world adoption, and strengthen the fundamentals behind the price trend.

Ripple CEO Brad Garlinghouse emphasized that XRP has a unique advantage in solving global payment issues, referring to it as a "trillion-dollar opportunity." His remarks align with Ripple's efforts to expand its ecosystem and create real use cases for XRP, making it more than just a speculative asset.

XRP Price Outlook and Key Targets

As whales accumulate and tighten supply, the growth of the Ripple ecosystem drives demand, and the Fed's dovish stance improves liquidity conditions, XRP seems to be gearing up for the next major move. Traders are closely watching for a breakout above 3.66 USD as the next key milestone, which could open the door for a sustained rise towards the highly anticipated 10 USD price target.

Although volatility remains a factor, the combination of technical signals, macro positives, and increasing institutional interest presents a cautiously bullish scenario. If the current momentum is maintained, long-term investors' predictions of XRP prices reaching $5-10 in 2025 may no longer be out of reach.

Conclusion

The recent series of positive dynamics in XRP prices is driven by a combination of factors, rather than merely speculative behavior. From the on-chain data supply tightening to the deep integration of Ripple with traditional financial giants, and the favorable macroeconomic environment, all these elements provide a solid fundamental support for XRP. This rise is different from past trends that were purely driven by retail sentiment; it is built on a dual narrative of practicality and scarcity. Although volatility in the crypto market remains, the fundamentals of XRP are becoming increasingly robust, which may indicate that it is laying the groundwork for a crucial shift from being a speculative asset to an institutional-grade payment solution.