XRP Price Prediction: Binance Reserves Hit 2024 Lows as Institutional Bets Grow

By Patrick Timely

XRP is trading at $1.49, posting a modest 7-day gain of 2.75% after rebounding from recent market volatility. While the token remains down sharply from its 2025 highs, on-chain data, institutional positioning, and CoinCodex projections suggest the coming months could define whether XRP stabilizes or regains upside momentum.

Ripple equity confusion cleared as SBI breaks silence

A recent rumor claimed SBI Holdings owned $10 billion worth of XRP tokens. That narrative was quickly corrected by SBI CEO Yoshitaka Kitao, who clarified that SBI holds equity in Ripple Labs, not XRP tokens themselves.

SBI owns approximately 9% of Ripple Labs. According to private market estimates suggesting Ripple’s valuation could exceed $50 billion, that stake may be worth roughly $4.5 billion. However, this is corporate equity exposure rather than direct token holdings.

The distinction matters. Equity in Ripple Labs provides exposure to the company’s growth and ecosystem expansion, while holding XRP exposes investors to direct price volatility. SBI’s long-standing partnership with Ripple, dating back to 2016, reinforces institutional confidence in the broader ecosystem without increasing token supply pressure.

Binance XRP reserves drop to 2024 lows

On-chain data reveals a notable development. XRP balances on Binance have declined to approximately 2.5 billion coins, the lowest level since early 2024. In November 2024, the exchange held over 3.2 billion XRP, meaning nearly 700 million tokens have left Binance over the past 15 months.

https://x.com/CryptoOnchain/status/2022411119319805980?s=20

Falling exchange reserves are often interpreted as a sign of accumulation. When coins move off exchanges into self-custody, available sell-side liquidity decreases. If demand increases while exchange supply tightens, price can respond quickly.

XRP recently climbed 4.5% toward the $1.50 region as broader crypto markets stabilized. Analysts now watch the $1.55 resistance zone. A sustained move above that level could open the path toward $1.80. Failure to hold above $1.45 would increase the risk of another support retest.

Source: XRP Price Prediction as Binance XRP Reserves Decline to 2024 Lows

Institutional activity adds another layer

Institutional positioning around XRP continues to attract attention. Reports indicate Goldman Sachs disclosed approximately $152 million in XRP ETF holdings as of Q4 2025. That figure reportedly accounted for nearly 14% of net XRP ETF inflows over the past year.

In parallel, Evernorth has discussed deploying XRP treasury allocations across settlement flows and tokenized assets. Combined with SBI’s deepening ecosystem involvement, this signals that institutional interest remains present even as short-term price action stays volatile.

At the same time, macro uncertainty remains a factor. Broader crypto market stability, Bitcoin’s trend, and global liquidity conditions will continue influencing XRP’s near-term trajectory.

Source: XRP Price Prediction as Binance XRP Reserves Decline to 2024 Lows

XRP price prediction

According to CoinCodex’s XRP price prediction, XRP is projected to rise from $1.49 to approximately $2.11 by mid-August 2026, representing a potential gain of around 42%.

In the shorter term, February and March projections suggest modest upside with average prices near the $1.52 to $1.53 range. April and May forecasts indicate gradual strengthening toward $1.66 to $1.75 if momentum builds.

July stands out in the model. The average July projection reaches approximately $1.87, with a potential high near $2.19. That scenario would represent the strongest upside window in the six-month outlook.

However, downside risk remains defined near the $1.45 zone, which aligns with the projected lower boundary for February. Sustained closes below that level would weaken the recovery structure.

Key levels to watch

XRP is currently positioned between clear technical boundaries. Immediate resistance sits near $1.55. A breakout above that area could expose $1.80 and eventually the psychological $2.00 level.

On the downside, $1.45 remains critical. If price loses that zone, momentum could shift back toward lower support bands seen earlier in the year.

Exchange reserve declines and institutional involvement provide structural support, but short-term price direction will still depend on broader market sentiment and liquidity conditions.

Source:: XRP Price Prediction: Binance Reserves Hit 2024 Lows as Institutional Bets Grow