- XRP price prediction stays bearish below $1.37, with $1.43 the target if that cluster breaks
- Binance whale outflows for XRP hit a 5-year low, per CryptoQuant’s Darkfost
- Ripple filed a comment letter backing the SEC’s proposed Regulation Crypto Assets
XRP price prediction for October 22 stays bearish below $1.37, the cluster of averages XRP needs to clear after bouncing off its recent low.
XRP Price Analysis: Can the Recovery Break Through $1.37?
XRP trades near $1.34, up 0.76% today, but its recovery faces resistance at $1.35–$1.37. The 0.5 Fibonacci level sits at $1.35, followed by the 20-day, 50-day and 200-day EMAs clustered around $1.37 alongside the Parabolic SAR. A daily close above that cluster would strengthen the case for further gains.
The bounce has also brought XRP back to the rising trendline drawn from the August low. Having broken below it earlier this month, XRP now needs to reclaim that line to show the recovery is gaining traction.
The 100-day EMA near $1.34 provides immediate support. A daily close below it would leave XRP vulnerable to a retreat toward $1.27, where the 0.618 Fibonacci level sits near the recent bounce low.
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Heading into October 22, $1.37 remains the key test. Until XRP clears it, the bounce looks vulnerable to another rejection.
XRP Support and Resistance Levels, October 21, 2026
| Type | Price | Why it matters |
| Resistance | $1.35 | 0.5 Fibonacci level |
| Resistance | $1.37 | 20, 50 and 200-day EMAs and SAR |
| Resistance | $1.43 | 0.382 Fibonacci level |
| Support | $1.34 | 100-day EMA |
| Support | $1.27 | 0.618 Fibonacci level |
| Support | $1.15 | 0.786 Fibonacci level |
Binance Whale Outflows for XRP Hit a 5-Year Low, Says CryptoQuant’s Darkfost
CryptoQuant analyst Darkfost said the 90-day average of XRP whale outflows on Binance has fallen to $49.7 million, the lowest in five years and level with October 2021, when the previous Bitcoin cycle topped. Whale outflows are large withdrawals from an exchange, which analysts often read as accumulation. The same average stood at $3.5 billion in February 2025, near XRP’s cycle peak around $3.30.
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Darkfost said whales are probably waiting for a better price, and that XRP’s resilience in this bear market kept it from falling to the levels that drew heavy accumulation in 2022 and 2023. He warned that XRP could lack buying volume without whale support, while noting it is not a hard rule because trends sometimes turn just as volume and interest dry up.
Ripple Files Comment Letter Backing the SEC’s Proposed Regulation Crypto Assets
Ripple filed a comment letter supporting the SEC’s proposed Regulation Crypto Assets and urging the agency to finalize it. Chief Legal Officer Stuart Alderoty said on X that years of case-by-case enforcement pushed innovation offshore, and that Ripple spent more than $150 million to get clarity on its own case. The letter makes three main points:
- What counts as a security: The investment contract, not the token, is the security. Alderoty said this stays faithful to the Howey test and focuses on what an issuer promised and when those promises end.
- Safe harbor: The proposed Rule 400 would let issuers file a public Form TR certifying that the work they promised is finished or abandoned. Ripple opposes an SEC suggestion to limit it to issuers that fulfilled their promises.
- SEC authority: The letter says the September 15 Senate vote that failed 49-50 to advance the Digital Asset Market Clarity Act does not remove the SEC’s power to exempt classes of securities.
XRP Price Prediction: Bullish and Bearish Scenarios for October 22
Bullish Case, Target: $1.43
XRP holds above the 100-day EMA at $1.34, closes above the 0.5 Fibonacci level at $1.35 and clears the $1.37 cluster of averages and SAR. That would open the 0.382 Fibonacci level at $1.43, with the 0.236 level at $1.53 beyond it. A repeat of the bounce Mookie describes would fit this path.
Bearish Case, Risk Level: $1.27 (0.618 Fibonacci Level)
XRP loses the 100-day EMA at $1.34 and slides toward $1.27, inside the zone Mookie flags. A close below that level would expose the 0.786 Fibonacci level at $1.15, and continued thin whale buying would fit this path.
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FAQs
XRP stays bearish below $1.37 and could rebound toward $1.43 if it closes above that cluster of averages. A daily close below the 100-day EMA at $1.34 would put the 0.618 Fibonacci level at $1.27 in play.
The 100-day EMA at $1.34 is the nearest support, followed by the 0.618 Fibonacci level at $1.27. Trader Mookie also flags the $1.26 to $1.30 zone as the area XRP bounced from last time.
Whale activity has cooled. The 90-day average of XRP whale outflows on Binance fell to $49.7 million, the lowest in five years, according to CryptoQuant analyst Darkfost, who says whales are likely waiting for a better price.
Ripple said it supports the SEC’s proposed Regulation Crypto Assets and urged the agency to finalize it. The letter argues that the investment contract, not the token, is the security, and that the SEC has clear authority to adopt the rule.
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