Large-holder inflows to the exchange have slid to levels last seen in 2021, even as institutional interest in XRP-linked funds grows. Large XRP holders are sending far fewer tokens to Binance
Large-holder inflows to the exchange have slid to levels last seen in 2021, even as institutional interest in XRP-linked funds grows.
Large XRP holders are sending far fewer tokens to Binance than they were earlier in 2025. CoinTurk News reports whale inflows to the exchange have dropped 87% from their peak this year. Crypto.news frames the same trend differently, noting inflow levels have fallen to a low not seen since 2021.
Whale inflow data is closely watched by traders because it often signals intent. A rise in large deposits to exchanges can suggest holders are preparing to sell. A sharp decline, by contrast, can indicate whales are choosing to hold rather than trade, reducing available supply on order books. The current drop suggests reduced selling pressure from XRP's largest holders, though it does not by itself indicate future price direction.
At the same time, XRP's price has been holding near the $1 mark, according to crypto.news. That stability, paired with falling whale deposits, has prompted some market watchers cited by the outlet to ask whether a rebound could be forming. No specific price target or timeline was given in the reporting.
On the institutional side, CoinTurk News reports Bank of America has increased its position in an XRP exchange-traded fund. The move adds to a broader pattern seen across 2025, in which traditional finance firms have steadily built exposure to crypto-linked investment products. XRP has been a notable beneficiary of this trend following regulatory clarity gained through Ripple's long-running legal proceedings with the U.S. Securities and Exchange Commission.
The contrast between falling whale exchange deposits and rising institutional fund exposure is notable. It points to two different investor bases behaving in distinct ways. Retail and whale wallets appear to be reducing exchange activity, while institutional allocators are increasing regulated fund exposure through vehicles like ETFs. Both behaviors can coexist without necessarily reflecting the same market view.
It is worth noting that whale inflow figures and ETF stake changes are drawn from on-chain analytics and fund disclosure data respectively. These are different data sources measuring different investor segments. CoinTurk News and crypto.news each emphasize distinct angles of what appears to be a related shift in XRP market behavior during this period.
XRP has spent much of 2025 navigating a market shaped by regulatory developments, growing institutional product offerings, and shifting exchange dynamics. The token's price stability near $1, combined with reduced whale deposits, adds a new data point to that ongoing story. Whether this translates into sustained price movement remains to be seen, and neither outlet offered a forecast beyond describing the current data.
Reduced whale inflows to Binance could ease near-term selling pressure on XRP, since fewer large holders appear to be moving tokens onto exchanges where they could be sold. This pattern, combined with price stability near $1, may be read by some traders as a sign of accumulation rather than distribution, though the reporting does not confirm intent behind the wallets involved.
Bank of America's increased ETF stake adds to a broader institutional footprint in XRP-linked products. Continued institutional demand through regulated fund structures could provide a steadier source of exposure to XRP than direct token trading, potentially influencing how the asset is perceived by traditional finance allocators going forward.
The combination of falling whale exchange deposits and rising institutional ETF exposure highlights shifting dynamics in how different investor types are approaching XRP. Further data will be needed to determine whether these trends persist or mark a temporary pause in whale activity.
Falling whale inflows often suggest large holders are less inclined to sell in the near term, since fewer tokens are being moved onto exchanges where trading occurs. It does not guarantee future price behavior.
According to CoinTurk News, whale inflows to Binance have dropped 87% from their 2025 peak, with crypto.news noting the decline has reached levels last seen in 2021.
CoinTurk News reports Bank of America increased its stake in an exchange-traded fund tied to XRP, reflecting continued institutional interest in crypto-linked investment products.
Crypto.news reports XRP's price has been holding near the $1 level amid the decline in whale inflows to exchanges.
No. Whale inflow figures track on-chain wallet activity, while ETF stake changes reflect institutional fund holdings, representing distinct segments of the market.
XRP has since slipped to the $0.90 level, according to U.Today, which cites CryptoQuant data indicating whale deposits to Binance have not returned to the lower levels seen previously, with large holders continuing to offload tokens on the exchange even as the broader deposit trend remains subdued.
Originally reported by AltcoinGordon, written by Victoria Reed. Republished with permission.
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