XRP Price Prediction: Why Smart Money is Quietly Accumulating While Price Drops Below $2.85

XRP (Ripple) has been stuck around $2.84 even after getting indirect ETF approval through the Hashdex Nasdaq Crypto Index US ETF. Most traders expected this news to pump the price, but XRP keeps hitting resistance at $2.85.

What's interesting is that while the price isn't moving much, long-term holders aren't panicking – they're actually quietly adding to their positions.

XRP Smart Money Keeps Buying While Others Panic

The Liveliness indicator just hit a two-month low, meaning long-term holders have almost stopped moving their coins. This usually signals accumulation rather than selling.

These aren't your average retail traders. Long-term holders are the smart money in XRP, and right now they're either holding tight or quietly buying more. This creates a natural floor under the price and reduces the chance of a major dump.

The Long-Term Holder Net Unrealized Profit/Loss metric shows these holders aren't selling because they're not sitting on huge profits yet. Historically, real selling pressure only kicks in when this metric goes above 0.7, and we're nowhere near that level.

XRP Price Prediction: $2.85 Resistance Could Trigger Major Move

XRP is trading just under the $2.85 resistance level at $2.84. If it can break and hold above $2.85, it could trigger a significant move higher.

The next targets look attractive if that resistance breaks. First stop would be $2.94 (3.5% upside), then potentially $3.02 – that's over 6% from current levels.

Of course, if the broader market turns ugly or those smart money holders start selling, XRP could drop toward $2.75 or even $2.64. But given the current accumulation pattern, that seems less likely.

XRP is at a crossroads. The ETF approval didn't give the immediate pump everyone wanted, but smart money is positioning for something bigger.