# Retail Related Articles

HTX News Center provides the latest articles and in-depth analysis on "Retail", covering market trends, project updates, tech developments, and regulatory policies in the crypto industry.

XRP ETFs See Goldman Sachs Emerge As Top Institutional Holder

Goldman Sachs was the largest disclosed institutional holder of spot XRP ETFs as of December 31, 2025, with $153.8 million in exposure. Despite a sharp post-launch price decline, XRP ETFs attracted $1.4 billion in cumulative inflows, demonstrating notable resilience. Data shows these ETFs are heavily driven by retail demand, with only 15.9% of assets under management tied to institutional 13F filings—significantly lower than Bitcoin, Ethereum, and Solana ETFs. Other major disclosed holders include Millennium Management, Citadel Advisors, and Jain Global. At the time of reporting, XRP traded at $1.38.

bitcoinistYesterday 16:02

XRP ETFs See Goldman Sachs Emerge As Top Institutional Holder

bitcoinistYesterday 16:02

Retail capitulates on XRP as $51B in losses mount – Yet ONE group refuses to sell

Unrealized losses for XRP have expanded after the price reversed from its July 2025 peak near $3.65. Approximately 36.8 billion XRP is now held at a loss, totaling around $50.8 billion. The Spent Output Profit Ratio (SOPR) has fallen below 1.0, indicating that many transactions are now occurring at a loss. This trend is driven by retail investors capitulating and exiting their positions. However, large holders are absorbing the supply, showing resilience despite the downturn. Historical patterns suggest that such loss expansions have occurred in previous cycles and often lead to market stabilization rather than immediate further decline.

ambcrypto03/09 11:01

Retail capitulates on XRP as $51B in losses mount – Yet ONE group refuses to sell

ambcrypto03/09 11:01

Solana vs Ethereum – $4.4T traded, RWA holders flipped – But who wins?

Solana's trading activity has surged over three years, accumulating $4.4 trillion in total volume. Weekly trading, once below $10 billion, grew significantly in 2024, often reaching $20–40 billion and briefly spiking to $120–130 billion during memecoin-driven speculation. It has since stabilized around $12–15 billion, reflecting sustained retail demand due to its low-fee structure. In Real World Assets (RWA), Solana surpassed Ethereum in holder count (154,942 vs. 153,592), indicating broader retail accessibility. However, Ethereum leads in RWA value ($15.45B vs. $1.79B), maintaining its role as the institutional hub. Despite high trading volume, Solana's liquidity is thinner (0.4 liquidity-to-volume ratio vs. Ethereum’s 4.57), making it efficient for small trades but challenging for large orders. It benefits from $15.4B in stablecoin supply and high throughput with minimal fees. Ethereum retains a structural advantage with deeper liquidity and institutional settlement capabilities.

ambcrypto03/08 10:02

Solana vs Ethereum – $4.4T traded, RWA holders flipped – But who wins?

ambcrypto03/08 10:02

Cardano Payments Roll Out Across 137 SPAR Stores In Switzerland

The Cardano blockchain has been integrated into the Swiss financial platform DFX.swiss, enabling its native token ADA to be used for retail payments. As a result, customers can now pay with ADA at 137 SPAR stores across Switzerland through the Open Crypto Pay standard. This integration allows direct payments from native wallets and reduces transaction fees by about two-thirds compared to traditional payment methods. Additionally, DFX.swiss provides a bridge to traditional banking, allowing users to exchange ADA for fiat currencies. Despite this development, ADA’s underperformed recently, declining over 6% in a week as large investors reduced their holdings.

bitcoinist03/06 14:02

Cardano Payments Roll Out Across 137 SPAR Stores In Switzerland

bitcoinist03/06 14:02

Dogecoin: Assessing if DOGE’s $0.088 bounce can hold as whales sell

Dogecoin (DOGE) recently fell below the $0.09 support level, hitting a low of $0.088 before rebounding slightly to $0.092. The broader crypto market shows reduced capital flow, with retail investors largely inactive and staying on the sidelines. Meanwhile, whale activity has increased, with significant sell orders executed around $0.089–$0.093. Despite a short-term rise in buy volume, the market structure remains bearish. The RSI, though improving, is still in bearish territory, and DOGE trades below its Parabolic SAR. To avoid further decline, DOGE must reclaim $0.103; otherwise, it risks falling toward $0.079 support.

ambcrypto03/05 03:02

Dogecoin: Assessing if DOGE’s $0.088 bounce can hold as whales sell

ambcrypto03/05 03:02

Bitcoin’s slump deepens: Retail struggles to absorb $2.81B outflow

Bitcoin is experiencing a significant bearish phase, with $1.163 trillion wiped from its market cap since October. Institutional investors, particularly from the U.S., have shown clear disinterest, resulting in $2.81 billion in outflows from U.S. spot Bitcoin ETFs over the past two months. The Coinbase Premium Index remains negative, indicating weaker U.S. demand. Retail investors now bear the burden of sustaining demand, though recent spot netflows show only modest buying activity at roughly $100 million per day. While historical patterns suggest potential stabilization, Bitcoin's price remains fragile and highly sensitive to further outflows without a material increase in retail demand.

ambcrypto02/25 00:02

Bitcoin’s slump deepens: Retail struggles to absorb $2.81B outflow

ambcrypto02/25 00:02

Bitcoin: Retail exits as whales deposit $43B – THIS zone is now a ‘buy’ corridor

Bitcoin's market liquidity is undergoing a significant structural shift as retail participation declines and large investors increase their influence. Retail inflows have dropped to multi-year lows, with monthly Shrimp Inflows falling to just 384 BTC, reducing reactive sell pressure. Meanwhile, whale activity has intensified, with monthly stablecoin inflows to Binance surging from $27 billion to $43 billion. This capital deployment accelerated as Bitcoin tested the $60,000 support level, coinciding with heightened realized losses, indicating opportunistic buying rather than defensive moves. The concentration of nearly $47.5 billion in stablecoin reserves on Binance suggests whales are controlling near-term liquidity, deepening buy-side market depth and turning the $60,000 zone into a potential accumulation corridor.

ambcrypto02/22 17:03

Bitcoin: Retail exits as whales deposit $43B – THIS zone is now a ‘buy’ corridor

ambcrypto02/22 17:03

Institutions reduce Bitcoin ETF exposure by just 3.5% in Q4 2025: Diamond hands?

Institutional ownership of U.S. spot Bitcoin ETFs saw only a slight decline of 3.5% in Q4 2025, despite Bitcoin's 23% price drop. Holdings decreased from 532K to 513K BTC, with institutions still holding over half a million BTC. While the number of firms holding BTC ETFs fell by 14%, 17 of the top 25 institutional holders increased their exposure. Retail investors continue to dominate the ETF market share. With BTC's price falling below the average ETF cost basis of $84.1K to around $68K, the average holder is approximately 20% underwater. The Q1 2026 13F filings will reveal if institutions maintain their positions during the ongoing crypto winter.

ambcrypto02/22 08:03

Institutions reduce Bitcoin ETF exposure by just 3.5% in Q4 2025: Diamond hands?

ambcrypto02/22 08:03

Crypto Whales Build A ‘Fortress Floor’ As Retail Panic Sells The Altcoin Sector

The crypto market is experiencing significant selling pressure, with altcoins struggling to regain momentum amid ongoing volatility and fragile sentiment. According to a CryptoQuant report, retail investors are panic-selling due to price weakness and negative headlines, amplifying short-term declines. However, underlying data reveals a more complex picture: trading volumes have surged since Ethereum’s recent bottom, suggesting repositioning rather than full capitulation. Larger market participants are systematically absorbing retail sell-offs, forming buying walls and accumulating assets while sentiment remains weak. This dynamic indicates potential accumulation or speculative positioning, though a sustained bullish reversal is not yet confirmed. Macro conditions, regulation, and Bitcoin's dominance will ultimately determine if this redistribution phase leads to a stronger altcoin cycle.

bitcoinist02/20 10:02

Crypto Whales Build A ‘Fortress Floor’ As Retail Panic Sells The Altcoin Sector

bitcoinist02/20 10:02

Altcoin Sell Pressure Hits 5-Year Extreme — Is This the Bottom Signal Investors Have Waited For?

Altcoin selling pressure has reached a five-year high, with $209 billion more sold than bought on exchanges over the past 13 months. Retail investors have largely exited the market, while smart money has rotated into Bitcoin, and institutional interest in altcoins remains absent. This prolonged one-sided selling mirrors late-stage bear-market patterns from previous cycles, signaling a lack of buyers. Key metrics, including CryptoQuant’s Bull Score Index dropping to zero, indicate the crypto winter may extend longer than expected. Historically, such periods of heavy altcoin selling precede eventual accumulation only after widespread investor despair and market despair, suggesting the current downturn may not end soon.

ccn.com02/18 11:02

Altcoin Sell Pressure Hits 5-Year Extreme — Is This the Bottom Signal Investors Have Waited For?