XRP (CRYPTO: XRP) has surged about 163% since the November 2022 FTX collapse, but this headline growth masks a much weaker reality for most investors.

XRP’s Wallet Holders

Despite the price increase, data from Santiment shows that active XRP wallets are sitting on average losses of around 41%, meaning a large share of holders bought at higher prices and are still underwater.

This is reinforced by the MVRV ratio dropping to its lowest level since the FTX crash, a signal that most investors are holding at a loss.

Further on-chain insights from Glassnode indicate that more than half of XRP’s circulating supply is …

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