XRP ETF Price Forecast: XRPI at $8.32, XRPR at $11.86 as $44.95M Inflows Defy BTC and ETH Outflows

XRP ETF Price Outlook – XRPI, XRPR, Bitwise XRP and the new institutional wave around XRP-USD

Spot XRPI and XRPR pricing – where the ETFs sit after the drawdown

XRPI on NASDAQ trades around $8.32, up 0.18% on the day with a move of +0.015 from a previous close at $8.30. The session range runs between $8.02–$8.39, against a 52-week band of $6.50–$23.53 and an average daily volume near 607.6K units. That profile says two things clearly: liquidity is workable for directional exposure, and the product is still trading far below the top of its range after the 2025–early-2026 volatility, leaving a wide gap back to the prior $20+ prints.

XRPR on BATS changes hands near $11.86, down 0.50% on the day with a -0.06 move from $11.92, inside a session band of $11.50–$12.00 and a yearly corridor of $9.50–$25.99. Average volume is much thinner at roughly 12.97K shares, which makes XRPR more of a precision vehicle than a high-turnover trading instrument. Price is clustered in the lower half of the 1-year range, but not at the floor, which fits the pattern of a market that absorbed a capitulation leg and is now stabilizing rather than fully recovering.

Taken together, XRPI offers better depth and a lower absolute entry price, while XRPR behaves more like a satellite exposure with liquidity risk that needs to be acknowledged. Both are still trading at heavy discounts to their 52-week highs, reflecting the underlying XRP-USD drawdown and the broader crypto pullback.

Flows into XRP ETF products – $44.95M in a week against Bitcoin and Ethereum outflows

The core signal is not price; it is money moving into wrapped XRP-USD exposure. During one of the worst weeks for digital assets since late 2025, XRP ETF products absorbed $44.95M in net weekly inflows, while the token itself fell 19.6% on 5 February to a 15-month low around $1.11 before bouncing. That divergence – price down, ETF flows up – is exactly what matters for medium-term positioning.

Over the same week, Bitcoin ETFs saw $358M in outflows, Ethereum products lost $170.4M, and Solana vehicles bled another $9.3M. Capital rotated out of the leaders and into XRP ETF wrappers, which makes the XRP complex the outlier in a risk-off tape.

Inflows were not a one-day anomaly. XRP ETF vehicles posted net purchases on four out of five trading days, including $5.91M on 5 February itself – the exact day XRP-USD crashed to that 15-month low. The biggest single session was 3 February with $19.46M, followed by 6 February with $15.16M. This is not noise buying; it is consistent allocation into weakness.

As a result, total XRP ETF assets have climbed to around $1.04B, which now equals roughly 1.17% of XRP-USD’s total market capitalization. The percentage is still modest versus Bitcoin’s ETF penetration, but the direction is unambiguous: regulated wrappers are building a real footprint in the XRP ecosystem just as spot price volatility shakes out weak hands.

Franklin XRPZ, Bitwise XRP and the rest of the XRP ETF complex

Within that $44.95M weekly inflow, leadership is concentrated. Franklin’s XRPZ and Bitwise’s XRP ETF together captured over 90% of the net capital. XRPZ pulled in roughly $20.51M, while the Bitwise vehicle added about $20.01M over the week. These two funds are clearly becoming the benchmark institutions use when they want targeted XRP-USD exposure in regulated accounts.

Smaller products still matter. Canary Capital’s XRPC attracted around $3.43M, while Grayscale’s GXRP brought in about $1.36M. The only notable laggard was a 21Shares XRP product, which saw roughly $348K in net outflows – a rounding error against the complex-wide inflows, but a reminder that not all wrappers are equally favored.

The Franklin franchise continues to demonstrate stickiness. On 6 February 2026, XRPZ recorded a fresh $1,927,950 inflow. That single session added about 1.03% of its assets, taking AUM to $187,011,150. When a specialized crypto fund pulls in 1% of its capital base in one day while the underlying token remains under pressure, it shows that allocators with longer time horizons are still building lines rather than exiting.

Bitwise’s role complements that pattern. Its product gathered about half of the weekly flows, confirming that the Bitwise XRP ETF is a core component of the XRP ETF stack rather than a marginal side bet. Together with XRPI and XRPR, these vehicles cover the spectrum from high-volume U.S. listing (XRPI), niche U.S. listing (XRPR), and institutional-first wrappers (XRPZ, Bitwise, XRPC, GXRP).

Spot XRP-USD – deep drawdown, weak momentum, but ETFs keep buying

On the spot side, XRP-USD recently traded around $1.3988 after a rough three-month period where the token shed roughly 42.50% of its value. The short-term tactical picture is soft: the 1-day technical composite currently flags a Sell signal, which aligns with the recent break of key support levels and the heavy intraday ranges around the $1.10–$1.40 band.

The critical point: the negative 3-month performance and short-term technical Sell did not prevent new capital from entering XRP ETF structures. Instead, ETF buyers stepped in during and immediately after the 19.6% intraday collapse on 5 February, with $5.91M of fresh money on the day of the crash and $15.16M two days later. That pattern shows that the ETF audience is not trading the same time horizon as the derivatives crowd; they are building exposure into panic rather than chasing breakouts.

From a structure standpoint, this divergence between ETF flows and spot performance often appears near inflection periods. It does not guarantee that the $1.11 low holds in the near term, but it does show that capital with a longer horizon is willing to absorb downside volatility at current prices. If XRP-USD sustains levels above the mid-$1 band and ETF inflows remain positive, the medium-term asymmetric setup starts to look attractive compared to peers that are still seeing ETF outflows.

Standard Chartered’s roadmap – $8.00 in 2026, $10.40 in 2027, $12.50 by 2028

On the macro, Standard Chartered has drawn a clear line in the sand: a $12.50 price objective for XRP-USD by the end of 2028, implying roughly 500% upside from a reference level near $2.12 at the time of their note. The path they outline includes intermediate checkpoints around $8.00 in 2026 and $10.40 in 2027.

The reasoning rests on two pillars. First, regulatory closure. The SEC v. Ripple saga effectively ended in August 2025, with the regulator dropping its appeal and Ripple resolving the case via settlement without admitting wrongdoing. That outcome removed the structural overhang that kept many major banks on the sidelines for years. Once that legal risk was cleared, it opened the door for formal research coverage and, more importantly, regulated product design.

Second, the XRP ETF market itself. Spot XRP ETFs only began trading in late 2025, but early net inflows have already reached around $1.18B. Standard Chartered’s digital assets team projects that annual flows could scale to $4–8B as confidence around XRP-USD’s regulatory status and cash-flow use cases improves. That type of flow profile – even at the low end of the range – would create persistent demand for the token as ETF sponsors require underlying units to back share issuance.

The bank’s broader macro framework is aggressively bullish on digital assets. They see a path for Bitcoin to reach $260,000 by 2029, and project a scenario where XRP-USD could surpass Ethereum in market capitalization (excluding stablecoins) by 2028. That is an ambitious call and obviously not consensus today, but its existence matters: when a household-name bank publishes a structured path like $8 → $10.40 → $12.50, it gives large allocators a reference scenario to test against their own models.

For XRPI, XRPR, XRPZ and Bitwise’s ETF, that roadmap effectively frames the potential upside embedded in their units. If XRP-USD sits in the $1–$2 band while the institutional roadmap points toward low double digits within three years, the embedded long-term option inside every ETF share becomes obvious. The question is not whether the path will be smooth – it will not be – but whether the combination of regulatory clarity and ETF demand is enough to keep the long-term trajectory intact.

Real-world rails – XRPL, RLUSD stablecoin and policy (GENIUS Act) as volume engines

Standard Chartered’s thesis is not only about speculative flows into XRP ETF products. It leans heavily on the XRP Ledger (XRPL) as an infrastructure layer for cross-border settlement, tokenization and stablecoin flows.

Ripple’s RLUSD stablecoin is central in that framework. By anchoring a dollar-linked instrument directly on XRPL, the ecosystem can route payment corridors, remittance channels and treasury operations through infrastructure that already benefits from the legal clarity achieved in 2025. Each incremental dollar of stablecoin throughput ultimately strengthens the case for XRP-USD as a bridge asset, especially where multi-currency settlement and liquidity management demand speed and finality.

The GENIUS Act, recently enacted, adds another layer by creating a friendlier environment for compliant digital asset experimentation. Standard Chartered’s analysts highlight this policy backdrop as supportive for tokenized assets and their associated rails. The more on-chain volume flows across XRPL under a clear legal framework, the easier it is to justify meaningful allocation to XRP ETF vehicles as proxies for that infrastructure.

For XRPI and XRPR, none of this appears directly in the daily price tape, but it shapes the probability distribution of long-term outcomes. ETF sponsors and product strategists watch these developments closely because they feed into demand forecasts and AUM potential, which in turn influence marketing budgets, liquidity provision and secondary-market spreads for the ETFs themselves.

Comparing XRP ETF flows with Bitcoin and Ethereum – rotation, not abandonment

The weekly snapshot where XRP ETF products took in $44.95M while Bitcoin ETFs lost $358M and Ethereum vehicles shed $170.4M does not mean BTC and ETH are broken. It shows that capital is rotating rather than simply leaving the asset class.

In practice, that kind of rotation usually emerges when a narrative inflection point appears. For Bitcoin, Spot ETFs are now mature, and after the initial wave of demand a phase of profit-taking and rebalancing is expected, especially when price fails to hold key psychological thresholds such as $70,000. For Ethereum, the combination of structural debate around its role in the new cycle and relative volatility can prompt cautious desks to trim exposure.

XRP ETF wrappers, by contrast, are early in their lifecycle. With only $1.04B of AUM – 1.17% of the token’s market cap – the space is under-owned relative to the scale of the project’s ambitions. That is why a $44.95M weekly inflow is meaningful; it is not just a percentage of AUM, it is a signal that some portfolios are increasing XRP allocations while reducing weight in more mature crypto ETF segments.

For XRPI and XRPR, this rotation translates into potential multiple expansion over time. If ETF penetration gradually moves from 1.17% of XRP-USD market cap toward the type of ratios Bitcoin enjoys, both the underlying token and its ETF wrappers can benefit. The caveat is simple: that scenario assumes the regulatory and infrastructure story continues to improve rather than stall.

Risk profile – volatility, liquidity pockets and structural ETF constraints

The upside narrative is clear, but the risk structure around XRPI, XRPR and the broader XRP ETF universe is not trivial.

Price volatility remains elevated. XRP-USD losing 42.50% in three months and 19.6% in one session on 5 February shows that even with ETFs in play, the token still trades like a high-beta macro asset. Any position via XRPI, XRPR, XRPZ or Bitwise’s ETF has to be sized with that volatility in mind.

Liquidity is uneven. XRPI averages around 607.56K shares per day and behaves like a usable core product. XRPR, with only 12.97K average daily volume, is more fragile; large tickets can move the price, widen spreads and make exits costly during stress. Smaller vehicles such as XRPC and GXRP can face similar issues depending on the session. Allocations that need intraday flexibility should stay closer to the deepest lines.

Structural ETF constraints also matter. None of these vehicles perfectly mirror XRP-USD because of fees, operational frictions and, in some cases, internal policies around lending or cash management. Over long horizons, management fees and structural drag can clip performance relative to the underlying token. For a thematic core allocation that trade-off can be acceptable; for short-term directional exposure it is a cost that has to be recognized.

Finally, the Standard Chartered roadmap is a scenario, not a guarantee. Targets like $8.00 in 2026, $10.40 in 2027 and $12.50 by 2028 depend on ETF inflows scaling from $1.18B to $4–8B annually and on XRPL adoption hitting the milestones their research team projects. Any major deviation in policy, macro conditions, or competitive technology could delay or invalidate parts of that path.

Final stance on XRPI, XRPR and the XRP ETF complex – Buy, with volatility premium

Pulling everything together:
– Price: XRPI at $8.32 and XRPR at $11.86 are both sitting in the lower third of their $6.50–$23.53 and $9.50–$25.99 yearly corridors, directly reflecting the XRP-USD reset.
– Flows: $44.95M weekly XRP ETF inflows, $1.04B AUM (about 1.17% of market cap), with heavy concentration in XRPZ and Bitwise’s ETF plus steady additions into XRPI/XRPR, while BTC and ETH ETFs bleed $358M and $170.4M respectively.
– Institutional framework: regulatory closure in August 2025, a live Standard Chartered roadmap to $12.50 by 2028, ETF inflows already above $1.18B with room to scale to $4–8B annually, and a real-world XRPL story built around payments, RLUSD and the GENIUS Act.

Given that combination – depressed spot price, strong ETF inflows, formal bank coverage with explicit upside targets, and a still-small ETF penetration ratio – the risk/reward for the XRP ETF stack skews to the upside for multi-year horizons. The cost of that upside is obvious: high volatility, structural ETF drag and the possibility that ambitious adoption assumptions slip.

On balance, and strictly from a market and data standpoint, XRPI, XRPR and the leading XRP ETF products (Franklin XRPZ, Bitwise XRP) justify a Buy stance for capital that can tolerate sharp drawdowns and multi-year holding periods. The setup is bullish, but it is a high-beta, policy-sensitive bullish stance that has to be managed with size discipline and a clear view on XRP’s role in the next phase of digital-asset infrastructure.

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