finbold.com
A crypto investor who risked $1,000 on $XRP at the beginning of 2026 is counting double-digit percentage losses as of May 14.
At the beginning of 2026, $1,000 fetched 541.95 $XRP tokens, which were worth $802.09 at press time. Furthemore, $XRP price has declined 19.79% year-to-date (YTD), representing a loss of $0.3639 per token.
During the first week of investment, this $XRP portfolio surged to above $1,268. However, between January 6 and February 5, the token’s price crashed by over 48% to around $1.21, thereby pushing this portfolio to a low of $655.80. With this altcoin having consolidated around $1.40 for 98 days, the initial investment has remained underwater.
What’s next for $XRP investors trapped underwater
Although the $1,000 invested in this token has declined by $197.91 YTD, the odds of a profit return before the end of this year are high. Furthermore, the altcoin’s whales, addresses on the $XRP Ledger (XRPL) with at least 10 million tokens, have aggressively accumulated YTD despite the bear market.
Specifically, this group of investors has increased their holdings to a cumulative total of about 45.83 billion tokens, up more than 5 billion units YTD, according to on-chain data from Santiment, as analyzed by Finbold. As such, these whales control approximately 68.5% of the total $XRP supply at the time of reporting.
Additionally, investors who bought $1,000 in $XRP at the beginning of 2026 could be eyeing developments on the Clarity Act, a proposed U.S. federal law to legalize crypto assets. Moreover, the Senate Banking Committee advanced the Clarity Act on a 15-9 vote, hence increasing the odds of its approval in the near future.