Top Investor XRP Holders: We’re In for a Massive Repricing. Here’s why

Ripple is valued at $50 billion. XRP is still trading like it is 2018. According to BankXRP, “the market hasn’t priced in the gap yet.”

The Core Argument

BankXRP’s position is straightforward. Ripple’s private valuation has reached $50 billion, driven by a $750 million share buyback in March 2026. That buyback set the implied per-share price and placed Ripple among the most valuable private fintech companies in the world.

Despite this, XRP continues to trade well below its all-time high. BankXRP concludes that when the market catches up, “nobody is ready for this ATH.” The disconnect between Ripple’s corporate valuation and XRP’s current price is the central tension driving the repricing narrative.

What the Data Shows

Regulatory clarity adds another layer. The CLARITY Act is stalled in the Senate, but Senate Majority Leader John Thune has filed cloture, and a vote will be held in September. Market participants are eager for it to pass. Regulatory clarity could open the door to mass institutional adoption.

The XRP Army’s Expectations

XRP has struggled in recent months and is now fighting to maintain support at $1.

One commenter sarcastically noted that XRP had already repriced to $1. However, not everyone was bearish. On the more optimistic side, one commenter said he expected to be ready when it happens.

The Setup For a Breakout

Ripple has processed over $100 billion in transactions. It acquired Hidden Road for $1.25 billion and GTreasury for $1 billion in 2025. The company has also launched the RLUSD stablecoin and expanded its institutional payment infrastructure.

XRP currently trades around $1, more than 70% below its all-time high of $3.65. However, the corporate foundation is growing, and many experts believe XRP’s price will soon follow.