XRP's potential as a millionaire-maker faces significant challenges despite its current price of $1.40. As reported by Motley Fool Stock Advisor, the token would need to explode to reach $1,400 to generate the necessary 1,000x returns required for crypto millionaire status. This represents a stark contrast to Bitcoin's trajectory, which hit $100 in April 2013 and reached $100,000 by the end of 2024, delivering 1,000x returns in slightly more than a decade. XRP's all-time high of $3.84 in 2018 remains its peak performance, making the millionaire-maker dream highly improbable given current market conditions. Even Ripple CTO Emeritus David Schwartz has cautioned against implausible price targets, noting that if XRP had even a minuscule chance of hitting $10,000, it would already be trading at that level.
Russia has reduced its gold reserves by approximately 900,000 ounces in early 2026, marking the lowest level since 2022 as the country faces rising war expenses and sanctions. This significant reduction signals fiscal strain and represents a strategic shift away from relying on gold as a financial buffer. Concurrently, Russia is expanding its use of XRP-based blockchain payment systems on the Moscow Exchange to facilitate faster, sanctions-resistant cross-border trade, particularly in oil exports to China and India. This digital payment strategy reflects Russia's effort to bypass traditional banking sanctions and explore new settlement methods to sustain its economy under pressure.
Spot XRP exchange-traded funds launched in November 2025 with strong initial daily inflows of $104.71 million, reflecting optimism following regulatory clarity. However, daily net inflows have plunged 93.4% to $6.90 million by May 2026, even as cumulative inflows reached $1.39 billion and assets under management stayed above $1 billion. According to recent reports, this dramatic decline in ETF demand occurred despite steady demand for XRP products, with analysts citing profit-taking, lack of new catalysts, and competition for capital as primary reasons for the cooling inflows. Despite the weak price performance, XRP's ETF structure remains intact with over $1 billion in assets under management, suggesting institutional interest remains intact despite reduced daily flows.
XRP market depth on Binance has dropped to its weakest level since January 2020, according to CryptoQuant analyst Arab Chain. The XRP Binance liquidity index fell near 0.043, marking a significant decline from previous levels. As reported by CryptoQuant, the index had previously reached readings above 3 and 4 points between 2022 and 2024, when XRP saw stronger trading activity and higher volatility. Low liquidity does not provide direct bullish or bearish signals, but thinner market depth makes XRP more sensitive to large orders, potentially causing faster price movements than usual.
Binance whales withdrew $49.2 million in XRP on May 22 while the token traded below $1.35, according to CryptoQuant analyst Amr Taha. This negative whale netflow occurred during price weakness, indicating that large holders moved more XRP away from Binance than they sent in. The May 22 withdrawal followed similar whale behavior earlier this year, including negative netflows of $60.7 million on February 27, $35.5 million on March 6, and $37 million on March 26. All four signals appeared near the $1.35-$1.40 range, making this zone one of the clearest recent areas of repeated Binance whale withdrawals.
XRP traded at $1.36 on May 25, 2026, with a 24-hour trading volume of $1.35 billion, according to crypto.news price data. The token ranked fifth by market cap with a market value of approximately $84.23 billion. The short-term chart remains weak, with XRP trading near $1.3584, below the 9-day moving average at $1.3663 and the 21-day moving average at $1.4051. Immediate support sits near $1.3435, close to the daily low, while resistance stands near $1.3663, followed by the larger $1.4051-$1.4060 zone. The MACD remains below the zero line with weak bearish momentum, showing the latest bounce has not yet drawn strong market participation.
According to crypto.news coverage, XRP has traded between $1.30 and $1.50 for roughly 60% of 2026, making the $1.40 area a key short-term price zone. A large XRP options trader collected $224,500 in premiums by betting XRP would stay near $1.40 through June 26, selling 1.5 million contracts each of the $1.40 call and put options on Deribit. However, analysts caution against aggressive upside targets without sufficient liquidity, structure, or clear catalysts. Crypto Patel suggests $10 remains a long-run target, while the best accumulation area sits between $1 and $0.70. Despite the current weakness, the $1 billion+ assets under management in ETFs suggests institutional confidence remains intact for potential recovery if market sentiment improves.
