XRP Whale Deposits to Binance Drop 87% From 2025 Peak as Bank of America Adds ETF Exposure
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.
Sources disagree on this story
This article was published before the reports below were compared. The reporting above stands; what follows is where the published accounts do not agree.
CoinTurk News EN and crypto.news report falling XRP whale deposits to Binance and a price near $1, while U.Today reports rising deposits and a price near $0.90.
What all sources agree on
- CryptoQuant contributor Darkfost’s analysis is cited as the source of whale deposit data.
- XRP whale deposits to Binance are discussed in the context of a 2025 price peak followed by decline.
- Bank of America’s XRPI ETF stake and CryptoQuant whale deposit analysis both appear in CoinTurk’s reporting, without contradiction from crypto.news on those specific points.
Where the reports disagree
1Direction of whale deposit trend to Binance
the 90-day moving average of XRP whale deposits to Binance fell to $61 million, marking the lowest level recorded since 2021. This figure is sharply down from $456 million in January 2025 and $355 million in October, signaling an 87% drop from the January peak
CryptoQuant contributor Darkfost reported that the three-month average of XRP whale inflows to Binance has dropped to about $61 million, its lowest reading since 2021.
large XRP deposits on Binance continue to increase throughout 2025 and into 2026, even as XRP’s price has declined. This suggests that whale behavior has yet to fully reverse
What would settle it: The underlying CryptoQuant on-chain dataset for XRP whale deposits to Binance.
2Current XRP price level
During this period, XRP trading hovered around $1.06, with the $1 threshold remaining a key reference in current market structure.
XRP traded around $1.00 at the time of writing, little changed over 24 hours, but down approximately 3.2% during the past week.
XRP has retested its multi-year low at around $0.90, falling massively from its Q1 2025 high above $3.
What would settle it: Exchange price data for XRP/USD at the time of publication (e.g., Binance or CoinGecko historical price feed).
What to make of it
Treat the direction of XRP whale deposit activity and the exact current price level as unresolved until checked against a live exchange price feed and the primary CryptoQuant dataset; do not rely on either figure for trading decisions.
Market Impact
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.
Frequently Asked Questions
What does a drop in whale inflows to an exchange typically indicate?
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.
How much have XRP whale inflows to Binance fallen in 2025?
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.
What did Bank of America do regarding XRP?
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.
Where is XRP’s price currently trading?
Crypto.news reports XRP’s price has been holding near the $1 level amid the decline in whale inflows to exchanges.
Are the whale inflow data and ETF stake data measuring the same investor group?
No. Whale inflow figures track on-chain wallet activity, while ETF stake changes reflect institutional fund holdings, representing distinct segments of the market.
Original source: AltcoinGordon
Syndicated coverage. Originally reported by altcoingordon.com.
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