XRP Price Prediction: Re-Accumulation Phase Begins – $3.20 Target Back in Focus After Rally

XRP just hit the brakes—and that might be the best thing for its next leg up.

After a sharp rally that had traders buzzing, the digital asset has slipped into a re-accumulation phase. Think of it as the market catching its breath. No dramatic crashes, just a classic consolidation pattern playing out on the charts. This isn't a sign of weakness; it's the groundwork for the next move.

Why $3.20 Matters

That price target isn't just a random number plucked from the crypto ether. It represents a key historical and psychological level. Reaching it would signal a monumental shift, breaking free from a multi-year range that has frustrated bulls and emboldened skeptics. The recent rally proved there's latent demand—now, it's about building a stronger base to support a genuine breakout.

The Mechanics of the Pause

Re-accumulation is a trader's term for smart money refueling. Price action chills in a defined range, shaking out impatient speculators while longer-term players steadily accumulate positions. Volume typically dips, and volatility contracts. It's the calm before the potential storm. For XRP, this phase is critical to sustain momentum beyond a short-term pump.

A Reality Check from the Finance World

Let's be real—the traditional finance crowd still views these crypto price predictions with a mix of curiosity and utter disdain. To them, targeting a specific number like $3.20 is akin to astrology, just with more screens and less personality. But in crypto's narrative-driven markets, these targets become self-fulfilling prophecies, fueled by community belief and algorithmic trading.

The path to $3.20 is now back in the conversation. Whether it gets there depends on whether this consolidation is a launchpad or a prelude to another letdown. The market's taking a breather. Don't mistake the silence for surrender.

Whale Participation Declines as Distribution Phase Ends

On-chain analyst Arabchain observed that data on XRP flows to Binance demonstrates whales accounted for approximately 60.3% of total flows, compared to 39.7% for retail investors.

Whale XRP Flows to Binance Decline, Signaling Reduced Selling Pressure

“Decline in whale flows since mid-December, although still at relatively high levels, is a positive sign in the medium term, as it reduces the likelihood of a sudden sell-off.” – By @ArabxChain pic.twitter.com/P646tKZe1u

While whales still account for the largest share of flows, the overall trend since mid-December clearly indicates a gradual decline in their participation, after peaking above 70% in November and early December.

This decrease in whale flows coincides with a clear price correction, with the average xrp price dropping from near $3.20 during its late 2025 peak to around $2.26 currently.

“The decline in whale flows since mid-December, although still at relatively high levels, is a positive sign in the medium term, as it reduces the likelihood of a sudden sell-off,” Arabchain explained.

The indicator displays early signs of bullish reversal if the $2.20 level holds.

Institutional demand for XRP continues to be largely shaped by whale activity, with spot XRP exchange-traded funds acting as a key conduit for large capital flows.

Since the start of the year, spot XRP ETFs have attracted nearly $80 million in fresh inflows, extending a streak of consistent buying seen on trading days following the November launch of these products.

Cumulatively, total net inflows have now reached approximately $1.2 billion, while assets under management stand at around $1.53 billion, underscoring sustained interest from large investors.

XRP Price Prediction: Daily Chart Shows A-B-C-D Correction Completing

The XRP daily chart captures a broader corrective structure that appears to be transitioning into an early reversal phase.

The price action mapped by the A-B-C-D sequence shows a completed impulsive move followed by a prolonged decline that bottomed NEAR the D leg around the $1.60-$1.70 region.

From that low, XRP has staged a sharp rebound, but now consolidates just above the clearly defined $2.20 support zone, which has functioned as a pivotal level in recent weeks.

Structurally, the market has broken out of the descending trendline that guided the decline from the C high, suggesting downside momentum has weakened.

However, price still hovers within a tight range around $2.10-$2.30, indicating hesitation as buyers and sellers battle for short-term control.

Momentum indicators lean cautiously bullish. The RSI has rebounded above the 50 level and holds in the mid-to-high 50s, signaling improving buying pressure without entering overbought territory.

This supports the notion that the recent pullback is corrective rather than initiating a fresh downtrend.

Provided XRP holds above $2.20, the structure favors a continuation higher toward the next resistance zone in the $2.70-$3.00 region, aligning with the projected E leg on the chart.

Maxi Doge Presale: Positioned for XRP-Led Rally

If XRP reclaims the $3.00 level and resumes its bullish rally, presale projects like Maxi Doge (MAXI) WOULD attract capital from investors seeking high ROI opportunities.

Maxi Doge is an early-stage memecoin following the Dogecoin playbook that helped it surge over 10x during the 2023-2024 breakout rally.

The presale project has established an alpha channel to help traders exchange insider tips and share trade ideas, mirroring the early days of Dogecoin.

The MAXI presale has already raised over $4.4 million and offers 70% annual staking rewards for early participants at the currentprice.

To buy early before price increases, visit the official Maxi Doge website and connect a crypto wallet like Best Wallet.

You can pay with existing crypto like USDT and ETH, or use a bank card to complete your purchase immediately.