XRP Price Prediction as XRPL Whale Wallets Hit Record High Ahead of Lending Protocol Update

XRP price touched $1.50 on May 10, and it might go back here or even get to $2 because there are now 332,230 wallets that have 10,000 tokens or more. This is the highest it has ever been in history. This is going on when 22% of XRP validators have voted to bring DeFi to the XRP ledger.

XRPL Whale Wallets Soar to 332K Record High

Santiment says that those with 10,000 XRP and more have increased for the last two years. They keep buying even if XRP reached $3.36 in June 2025 and then dropped to $1.11 less than seven months later.

When there are more people holding 10,000 XRP or more, it shows they are not focused on how the price is doing now, but they are keen on it going higher, possibly to $3.

“This is especially notable because XRP has spent much of 2026 trading below previous highs, meaning many holders appear willing to accumulate during fear rather than chase momentum,” Santiment said.

But this buying might be tied to the vote going on for a lending protocol on XRP Ledger. The update already has a support of 22%, and the voting is not closed yet.

The vote is happening when the CLARITY Act, which comes with sections focused on regulating DeFi, has a 60% chance to pass.

XRP might get to a new high above $3.84 if the lending protocol update happens before the end of 2026,

XRP Price Prediction as Bullish Crossover Nears

The price of XRP has gone from $1.34 on April 29 to $1.46 today. But even if large buyers are present, small ones are the ones who tend to cause quick gains. They might be waiting for the 50-day SMA to go above the $100-day SMA.

XRP price is waiting for the crossover between the 50-day and 100-day SMA to happen to target resistance at $1.48. Until it happens, $1.48 resistance might remain an obstacle that XRP fails to overcome.

If XRP overcomes the $1.48 resistance, it will get to $1.58 next. This is because those who buy to make some quick profits might enter as soon as $1.48 becomes support.

The RSI reading at 58 shows that even if the XRP price prediction shows it is facing a major obstacle, those buying have not shied away. They remain more than those selling, and this might help move XRP price to $1.58.

A previous CoinGape XRP analysis had said that the price might reach $1.84 as long as support at $1.35 holds. At $1.46 today, XRP is already 8.15% above this support, and this means $1.58 might be just the first stop in the journey to $1.84.

XRP does not have a shortage of catalysts to make the price go up because CLARITY and updates will continue drawing in buyers with more or less than 10,000 XRP.