Smart money is aggressively accumulating XRP, as evidenced by the rapid decline in exchange-held reserves.
XRP is experiencing heightened accumulation, with a significant reduction in coins remaining on trading platforms. Over the past months, the amount held on Binance, the largest crypto exchange by volume, has continued to drop, reaching a four-month low.
Binance’s XRP Reserve Hits Four-Month Low
Data from CryptoQuant indicates that Binance’s XRP reserve has fallen to 2.64 billion tokens, accounting for 4.2% of the asset’s circulating supply. This marks a notable decline from peak levels recorded earlier in 2026.
For context, Binance held approximately 2.8 billion XRP in March, which decreased slightly before peaking at 2.78 billion in May. Today’s reserve of 2.64 billion reflects a 5% drop from its previous level.

Notably, this reserve level last occurred in February, over four months ago, when Binance’s XRP holdings stood at 2.55 billion. The current decline suggests smart money is again buying the dip, moving XRP to self-custody wallets for potential long-term holding.
Exchange Outflow Expands Beyond Binance
The outflow trend extends globally. Coinglass data shows a net outflow of $42.67 million over the past 10 days, with $864.6 million in outflows versus $822 million in inflows.
In the last 24 hours, holders withdrew $69.84 million, exceeding inflows by $5.78 million, underscoring continued accumulation despite XRP’s 7% drop in the past day.
The accumulation is significant as it occurs during a market correction. XRP’s price decline has not deterred buyers, who view each dip as an opportunity to acquire more tokens.
Bullish Indicators Align
Additional metrics support the bullish case. Active XRP addresses have increased by 36% over the past two weeks, reflecting heightened network activity. This rise in receiving wallets confirms that outflows are redirecting to long-term storage.
Furthermore, the TD Sequential has generated a buy signal on XRP’s daily chart, indicating that selling pressure is nearing exhaustion and a potential rebound may follow.
XRP currently trades at $1.05, maintaining a key support level above $1.00.
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