If you invested $1,000 at the start of 2026 in XRP, you’d now have this much

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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.

XRP/USD YTD chart. Source: Finbold

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.

XRPL whales analysis. Source: Santiment

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.

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