XRP ETF Inflows Climb as XRP-USD Fights to Hold the $1.40 Floor

XRP ETF complex – XRPI, XRPR, XRPZ and Bitwise XRP ETF against a $1.40 XRP-USD floor

XRPI ETF price – $8.01 sliding inside a violent $6.50–$23.53 range

XRPI ETF on NASDAQ trades around $8.01, down 3.73% on the day and off a prior close at $8.32. Intraday it moves between $7.97 and $8.18, sitting only a few cents above the lower end of its $6.50–$23.53 52-week range. That gap alone shows how brutal the drawdown has been since the peak: XRPI has lost roughly two-thirds of its value from the top while still carrying daily ranges of about 2.5%–3% around the $8 handle.

Average volume of roughly 619.8K shares per session is solid for a niche XRP ETF, but it is nowhere near the deep liquidity in the Bitcoin wrappers. That means flows matter more: one or two big asset managers rotating into or out of XRPI can move the tape faster than the chart alone implies. At current levels, XRPI is priced as if XRP stays pinned close to the current $1.40 zone and does not revisit the $3.66 high any time soon.

XRPR ETF – thinner volume, higher price, and a tighter $9.50–$25.99 corridor

XRPR ETF on BATS trades near $11.65, down 2.51% on the day from $11.95. Today’s range sits between $11.40 and $11.65, much narrower than XRPI’s intraday spread, but the year range of $9.50–$25.99 shows the same regime: high-beta exposure to XRP-USD with heavy amplitude.

Average daily volume is only 13.2K shares, a fraction of XRPI. That liquidity gap explains part of the price difference. XRPR can command a higher nominal price because the float is tighter and the holder base is more stable, but it also means exits are harder if the token breaks key levels like $1.25 or $1.00. XRPR behaves like a levered overlay on the XRP curve: if XRP rips back toward $2.15–$2.50, XRPR will likely outperform XRPI in percentage terms; if the token sinks below $1.25, the ETF can gap lower very quickly.

Franklin XRPZ and Bitwise XRP ETF – concentrated inflows into the newer wrappers

Franklin’s XRPZ has just printed a meaningful flow signal: about $3.94 million of net inflows in a single day, equal to roughly 1.69% of its $233.4 million AUM. That is not casual retail flow; that is a big ticket entering a niche ETF in one session.

Those flows land while XRP-USD trades near $1.42 after a ~42.8% three-month slide. The token has erased almost half its value in a quarter and yet XRPZ still attracts fresh capital. That tells you what is happening in the background: allocators that cannot or will not hold spot on an exchange are using wrappers like XRPZ and the Bitwise XRP ETF as their entry point.

Across the US-listed spot complex, XRP ETFs have accumulated around $45 million of inflows this month, with about $39 million last week alone and $6.3 million on Monday. Cumulative inflows into US XRP spot ETFs sit around $1.23 billion, with net AUM near $1.04 billion, while global XRP-linked products hold about $2.6 billion. This is not a toy market anymore; these are institutional-scale numbers for a single altcoin line.

XRP-USD – $1.40 support, $1.12 flush low and a broken EMA stack from $1.81 to $2.18

Spot XRP-USD trades in the $1.40–$1.42 pocket after bouncing from a sharp low around $1.12 last week and failing at $1.54 on the first rebound attempt. On the weekly frame it is down from a $3.6645 high, already through the 61.8% Fibonacci retracement, and sitting below its 50-week and 100-week EMAs.

On the daily chart the picture is even cleaner. Price holds slightly above $1.40 support but sits below the 50-day EMA at $1.81, the 100-day EMA at $2.00 and the 200-day EMA at $2.18. All three averages slope lower. That is a classic bear structure: every bounce is still capped below a falling dynamic ceiling.

Momentum indicators back this up. The daily MACD line sits under the signal line, but histogram bars are shrinking, showing that downside momentum is cooling rather than accelerating. The daily RSI hovers in the low-to-mid 30s – weak, but not in panic mode. As long as XRP holds $1.40 and avoids a close below $1.25, the structure stays as controlled downside, not a full breakdown to pre-cycle levels. A push back through $1.54 opens room toward $1.81, then $2.15, where the old trendline from $3.66 prints a heavy resistance band.

Flows into XRP ETF complex vs crypto ETF winter – XRP grabbing share from Bitcoin and Ethereum wrappers

Zooming out across crypto ETFs, net flows into the asset class fell 49% in the December quarter, from $161 million to $83 million, while funds under management dropped 17.2% to $900 million as the market correction cut asset values. That quarter also saw Bitcoin’s average price near $95,818 before sliding to $87,508 by year-end.

In that environment, the fact that XRP-focused vehicles now show consistent inflows is a clear divergence. Bitcoin products still dominate AUM, but their flows have been unstable: US spot Bitcoin ETFs just logged back-to-back net inflows of roughly $471.1 million and $144.9 million, yet total BTC held in ETFs has only slipped from about 1.37 million to 1.29 million, while the coin itself has fallen over 40% from highs above $126,000 to lows near $60,000.

By contrast, XRP’s price has taken a similar beating, but the XRP ETF complex keeps adding assets. About $6.3 million of inflows in one day across US XRP wrappers, $39 million last week, and $45 million month-to-date indicate that capital is rotating into this line while Bitcoin and Ethereum funds still see net outflows in recent weeks – roughly $173 million and $108 million of redemptions this month for BTC and ETH products. The message is simple: demand for regulated XRP exposure is rising even though the token price keeps making lower highs.

Derivatives and leverage – $2.5 billion in XRP futures OI and a collapse in liquidations

Derivative positioning is another key signal for the XRP ETF trade. XRP futures open interest has stabilized around $2.49–$2.50 billion, up modestly from about $2.47 billion the prior day. That is not aggressive fresh leverage, but it is a clear pause in the deleveraging wave that hit during the last leg down.

Liquidations tell the same story. On the worst day of the sell-off, roughly $59 million of XRP long positions and $11 million of shorts were liquidated. Today, long liquidations sit near $1.38–$1.51 million, with short liquidations around $242–$263K. That is a more than 90% decline in wiped-out longs versus the peak stress event.

For the ETFs, that matters because forced futures selling is what drives disorderly gap-downs. With OI anchored around $2.5 billion and liquidations low, the probability of another liquidation cascade from these levels is lower. It does not remove downside risk, but it shifts the regime from “margin call spiral” toward “range trading with optionality for a squeeze” – exactly the backdrop where spot ETF inflows can start to influence price again instead of simply absorbing panic supply.

RLUSD stablecoin, Ripple balance sheet and the fundamental pillar under XRP-USD

While the chart looks heavy, the fundamental backdrop around XRP-USD is stronger than the price suggests. Ripple’s RLUSD stablecoin has grown to about $1.5 billion in assets with adjusted volume above $4.7 billion. That makes it one of the larger regulated stablecoins by footprint, and every incremental dollar of RLUSD activity pushes more transactional gravity onto the Ripple stack.

Ripple Labs itself has raised roughly $500 million in 2025 at a $40 billion valuation and now changes hands in private markets closer to $50 billion. That corporate valuation has risen even as the token’s market cap has slid to around $86 billion, wiping roughly $90 billion from peak levels. The divergence is important: the operating business is treated as a growth asset, not a distressed one.

The roadmap to raise XRP utility – including features like a permissioned DEX architecture aimed at FX, stablecoins and regulated cross-border flows – would hard-wire XRP into more high-value, compliant use cases. Each transaction on that plumbing burns a small amount of XRP. The burn rate is still small relative to the total float, but the direction is deflationary at the margin. For XRPI, XRPR, the Bitwise XRP ETF and rivals, that slow structural drain is an embedded tailwind if volume migrates onto XRPL-based rails.

XRPI and XRPR positioning – how the ETF structures translate XRP’s technical map

Translating XRP’s chart into the two quoted ETFs:

At $8.01, XRPI ETF prices in roughly a mid-cycle scenario where XRP holds the $1.25–$1.40 band and oscillates below the EMA cluster for a while. The 52-week low at $6.50 implies about 19% downside from here if XRP revisits the $1.12 low or probes toward the $1.00 round number. The 52-week high at $23.53 is almost three times the current price. That risk/reward skew is exactly what a high-beta crypto ETF is supposed to deliver: meaningful downside if the token breaks support, but multi-bag upside if XRP eventually reclaims $2.50–$3.00.

XRPR ETF at $11.65 in a $9.50–$25.99 range offers a similar profile with more price sensitivity. The lower volume and narrower intraday range today hide the fact that XRPR has been able to travel more than 170% peak-to-trough in the last year. If XRP closes back above the $1.81 50-day EMA and pushes toward $2.15, XRPR has room to revisit the high-teens fast. If XRP loses $1.25 and then $1.12, XRPR is the vehicle that will reflect that break the most violently.

For allocators, that means XRPI is the cleaner liquidity tool, while XRPR is the sharper instrument when leaning into a high-conviction move on XRP-USD over a shorter horizon.

How XRP ETF inflows fit into the broader rotation across crypto risk

Across digital assets, flows show a clear pecking order. Bitcoin ETFs are still the anchor of the regulated space, but their AUM has dipped only about 6% while spot has fallen over 40%, meaning price damage has come more from mark-to-market than from holders exiting in size. Ethereum vehicles saw net outflows of around $108 million this month. Several altcoin products remain flat or in redemption mode.

Against that tape, XRP’s ETF line stands out as one of the few alt segments where allocators are still writing tickets. Over $45 million of net inflows in a month while the token is down ~43% over three months is not a momentum chase; it is accumulation into weakness. XRP’s share of total crypto ETF flows has risen while the overall pie shrank by 49% in the December quarter.

The message: regulated capital is being selective. When it reaches for risk, it is favoring a handful of large-cap narratives with clear use-case and legal clarity. XRP sits in that bucket now. That is why the combination of XRPI, XRPR, XRPZ and the Bitwise XRP ETF is becoming a distinct sleeve in multi-asset ETF allocations rather than an afterthought.

Directional stance on XRP ETF complex – Buy, Sell or Hold?

Pulling the numbers together:

XRP has dropped from $3.6645 to about $1.40, slicing through the 61.8% retracement and trading below the $1.81, $2.00 and $2.18 EMAs. The three-month slide near 43% and the failed bounce at $1.54 confirm a bearish short-term structure. Derivatives OI near $2.5 billion is stable but not aggressively bullish. Risks of a retest of $1.25 and $1.12 are still live.

At the same time, US spot XRP ETFs hold more than $1.04 billion with cumulative inflows of about $1.23 billion, adding $39 million last week, $45 million this month and isolated days like the $3.94 million Franklin XRPZ spike, equal to 1.69% of its $233.4 million AUM. RLUSD holds roughly $1.5 billion with $4.7 billion of adjusted volume. Ripple’s private valuation has moved toward $50 billion while the token’s market cap sits around $86 billion after a $90 billion drawdown.

That mix – weak chart, strong structural flows, and growing real-world infrastructure – tilts the risk-reward profile of the ETF sleeve toward a high-risk Buy bias for a multi-year horizon, with the clear caveat that price can still undercut current levels before the next leg higher.

On that basis, the stance for XRPI ETF, XRPR ETF, the Bitwise XRP ETF and peers is:

High-volatility Buy, sized as speculative exposure, justified by persistent inflows, improving on-chain and product fundamentals, and a price that already reflects a deep reset from the $3.66 peak while leaving significant upside if XRP manages to reclaim the $2.00–$2.50 band in the next cycle.

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