TLDR
- XRP millionaire wallets (holding over 1 million tokens) increased by 42 since January 1, reversing a decline seen between October and December
- Ripple launched Ripple Treasury, combining GTreasury’s software with blockchain technology following a $1 billion acquisition
- XRP spot ETFs recorded $9.16 million in net inflows while Bitcoin and Ethereum ETFs saw major outflows
- Smart money traders increased XRP accumulation by 11.55% over the past 30 days according to Nansen
- XRP currently trades around $1.87-$1.92, with analysts predicting potential move to $2.00-$2.30 if resistance breaks
XRP wallets holding more than 1 million tokens are increasing for the first time since September 2024. Crypto analytics platform Santiment reported that 42 new millionaire wallets have appeared since January 1.
🐳🦈 XRP's price is down a modest -4% since the start of 2026, but its amount of 'millionaire' wallets are rising for the first time since September. A net of +42 wallets with at least 1M $XRP have returned to the ledger, an encouraging sign for the long-term. pic.twitter.com/nmB4hCxtZO
— Santiment (@santimentfeed) January 28, 2026
This growth comes after a period of decline. Between October and December, the number of these large holder wallets dropped by 784.
The return of millionaire wallets signals potential strength for XRP’s long-term outlook. At current prices around $1.87, a wallet holding 1 million XRP tokens represents approximately $1.87 million in value.
Smart money traders have also been accumulating XRP. Data from Nansen shows these successful traders increased their XRP holdings by 11.55% over the past 30 days.
Ripple Treasury Platform Goes Live
Ripple recently launched its Treasury platform. The new system combines GTreasury’s traditional software with Ripple’s blockchain technology.
Today, we're proud to introduce Ripple Treasury, Powered by GTreasury: the world's first comprehensive treasury platform combining 40 years of proven enterprise expertise with cutting-edge digital asset infrastructure.
Many finance teams are stuck managing growing complexity… pic.twitter.com/4scNUggARS
— GTreasury (@GTreasury) January 27, 2026
The platform emerged from Ripple’s $1 billion acquisition of GTreasury. It aims to simplify cash and digital asset management for businesses.
Ripple Treasury offers real-time solutions for global companies. The system allows firms to manage both cash and digital assets in one unified platform. It focuses on improving liquidity management and speeding up cross-border payments.
Strong ETF Inflows Show Institutional Interest
XRP spot ETFs attracted $9.16 million in net inflows. The consistent demand reflects growing institutional confidence in the asset.
Bitcoin and Ethereum spot ETFs saw different results. Bitcoin ETFs recorded outflows of $147 million while Ethereum ETFs lost $63.53 million.
The positive XRP ETF flows stand in contrast to the broader market weakness. The Crypto Fear & Greed Index currently shows a fear score of 26, indicating cautious investor sentiment.
Price Predictions Vary Among Analysts
Crypto trader CW believes XRP could reach $2.30 if it breaks through current resistance levels. The trader noted that net buying remains strong and the trend appears to be reversing.
Asset manager 21Shares pointed to XRP’s pattern of multi-year compression followed by sharp price movements. The firm cited growing regulatory clarity and institutional support as positive factors.
$XRP is loading…
Trendline resistance is being tested as we speak.
=> Bull case: Breakout to $2.10
=> Bear case: Correction to $1.80 support
The chart is screaming "volatility incoming." Don't get caught on the wrong side of the wick. pic.twitter.com/aT6qxQQBx1
— Whale Factor (@WhaleFactor) January 27, 2026
Swyftx lead analyst Pav Hundal expressed caution about XRP’s near-term prospects. He warned that further price gains rely heavily on narrative rather than fundamentals.
Technical Indicators Show Mixed Signals
XRP currently trades at $1.92 with a 2% daily gain. The MACD indicator sits above the signal line, suggesting short-term bullish momentum.
The RSI reads 52, placing XRP in neutral territory. The asset is neither overbought nor oversold at current levels.
Key resistance stands at $2.00, with potential upside to $2.10. Support levels exist at $1.85 and $1.75.
XRP has gained 1.27% over the past 30 days but remains down 4% since the start of 2026. The CoinMarketCap Altcoin Season Index shows Bitcoin outperforming most top 100 altcoins over the past 90 days with a score of 31 out of 100.
