XRP ETF Snapshot: XRPI and XRPR Trade Firm While XRP-USD Holds the $1.80 Floor
Spot XRP-USD Weak, XRPI and XRPR Stabilize Above Recent Lows
XRPI on NASDAQ closes at $10.79, up 1.08% on the day with a +$0.12 move from a previous close of $10.67. Intraday, XRPI traded between $10.75–$10.90, while the 52-week band sits wide at $10.44–$23.53 on an average volume of roughly 533K shares. That price profile says one thing: the ETF is hugging the bottom of its yearly range while fresh capital is still coming in through the primary market.
XRPR on BATS ends at $15.43, up 1.92% and +$0.29 versus a prior close of $15.14, with trading contained between $15.29–$15.45 against a much higher 52-week ceiling of $25.99 and a floor of $14.79. Volume is thinner at around 32K shares, but the tape shows steady bids accumulating just above the 2025 lows.
In the underlying market, XRP-USD trades around $1.86–$1.87, down roughly 2% intraday and trapped below the $2.00 psychological line. Spot ranges of $1.84–$1.90 contrast with an ETF complex that is not making new lows despite soft token price. The message from the secondary market is clear: XRPI and XRPR are being used as accumulation vehicles near the bottom of their 2025 range while the token continues to churn around the $1.80 support zone.
ETF Flow Regime: XRP ETFs Lead While Bitcoin and Ethereum Products Bleed
Flow data for December flips the usual crypto hierarchy on its head. XRP-linked ETFs have pulled in about $70 million in December inflows while flagship Bitcoin and Ethereum products are in retreat. Bitcoin funds show roughly –$443 million of net outflows in the same month, Ethereum products shed around –$59 million, and multi-asset crypto vehicles lose another –$27.2 million. Only Solana comes close on the altcoin side with inflows near $7.5 million, an order of magnitude smaller than XRP.
At the ETF product level, the broader crypto spectrum is still dominated by Bitcoin and Ethereum flagships: BlackRock’s IBIT spot Bitcoin ETF has amassed around $25 billion of year-to-date inflows, with a second-tier Bitcoin trust pulling in about $1.11 billion, and other issuers such as Fidelity and VanEck adding $477 million and $305 million respectively. Ethereum offerings from the same institutional complex have aggregated around $9.12 billion, while a Solana staking ETF has drawn about $839 million.
Against that backdrop, the December rotation is striking. Capital is still anchored in BTC and ETH structurally, but marginal flow in the last few weeks of 2025 is now favoring XRP-linked ETFs over the largest incumbents. For XRPI and XRPR, that means they are on the receiving end of a clear relative allocation shift while the bigger complexes digest profit-taking and macro noise.
29-Day Inflow Streak: XRPI and XRPR Sit on Top of a Relentless Accumulation Trend
Spot XRP ETFs in the U.S. have now logged 29 consecutive trading days of net inflows. On December 29, aggregate U.S. spot XRP funds took in roughly $8.44 million in a single session, pushing cumulative net inflows to about $1.15 billion. That number was only $1.12 billion a week earlier, so around $30 million+ of fresh money has arrived in roughly five trading days despite a choppy tape.
Zoom out and the picture is even stronger. Across all exchange-traded products linked to XRP, inflows since the start of the month are around $424 million, lifting 2025 year-to-date net inflows to roughly $3.3 billion. December alone accounts for about $478 million, meaning roughly 14–15% of all YTD inflows have arrived in a single month that has been openly described as “turbulent” for crypto.
Total assets under management across the XRP ETF and ETP complex are now roughly $1.2–1.24 billion, depending on the subset of funds counted. Canary’s XRPC leads with about $324–384 million in AUM, followed by Bitwise at around $227–252 million, Grayscale near $244 million, 21Shares at about $250 million, and Franklin around $206 million. The takeaway is simple: within weeks of launch, XRP-focused funds have built a diversified issuer roster, pushed collective AUM above the $1 billion mark, and maintained nearly a month-long inflow streak while Bitcoin and Ethereum vehicles print alternating red days.
Who Is Buying XRP ETFs And What That Means for XRPI and XRPR
The profile of capital behind XRPI, XRPR, and their peers is very different from the 2017–2021 retail-driven XRP cycles. Long-only institutions, systematic funds, and allocators running retirement and advisory money are now able to access XRP-USD exposure through regulated wrappers. Comments from institutional desks frame XRP inflows as a function of three variables: regulatory clarity, relative crowding, and differentiated use case.
On the regulatory side, the U.S. environment has shifted from hostility to cautious accommodation. A change in the leadership at the securities regulator and a more crypto-supportive stance from the current administration have removed a major overhang that kept many institutions sidelined. Ripple has secured “dozens” of licenses globally for payment products, and the launch of its RLUSD stablecoin—which has already grown to roughly $1 billion in market cap—reinforces the idea that this ecosystem is not simply a speculative side bet but an active payments and tokenization platform.
Relative to Bitcoin and Ethereum, XRP is still a “less crowded trade,” as one institutional CIO put it. When BTC-USD has already delivered a move to $87K–$126K and its flagship ETF has absorbed $25 billion of flows, marginal dollars looking for incremental upside and diversification are naturally gravitating toward assets where the ETF story is much younger and the multiple expansion case is less exhausted. Cross-border settlement, treasury optimization and on-ledger liquidity management give XRP-USD a distinct fundamental angle that ETF buyers can underwrite, even if spot price action looks unimpressive in the short term.
XRP-USD Price Structure: Support at $1.80, Trigger at $1.94, Upside Path Toward $3.40
From a purely technical standpoint, the $1.80 area has become the key line that ETF buyers appear to be defending. Pullbacks throughout December repeatedly found support in the $1.80–$1.85 band, even as broader crypto risk sold off and U.S. equity indices faded into year-end. Every dip toward this zone has coincided with continued positive flows into XRP ETFs, suggesting that institutional investors are using spot weakness to average into XRPI, XRPR, and their peers.
On the topside, the $1.90–$2.00 band is still acting as resistance. Sellers show up every time XRP-USD probes above $1.90, and the round $2.00 handle has so far capped attempts to extend the move. A structural trigger level sits higher at around $1.94. That price is viewed as the key threshold that has to be recaptured and held to formally break the current downtrend.
If XRP-USD can reclaim and retest $1.94 from above, the next projected upside zone for early 2026 sits near $3.40. That implies upside in the order of 80–90% from today’s $1.86–$1.87 spot band and roughly similar proportional upside potential for XRPI and XRPR, allowing for tracking and fee drag. The risk side of the equation is straightforward: a decisive break below $1.80 would invalidate the accumulation floor and open room toward lower support, flattening the bullish ETF narrative in the near term.
XRPL Tokenization: 2,200% RWA Growth and a $500M On-Chain Asset Base Backing the ETF Story
Underneath the price chart, on-chain fundamentals on the XRP Ledger (XRPL) have shifted materially in 2025. Tokenized real-world assets on XRPL have grown by roughly 2,200% this year, with the value of native RWA instruments—including stablecoins—expanding by about 23x and crossing the $500 million mark. That is not yet on the scale of Ethereum or the largest alt-L1s, but the growth rate is one of the steepest in the sector.
This acceleration lines up with the broader institutional narrative: large asset managers, former regulators and bank executives have spent most of 2025 talking about tokenization of money-market funds, treasuries, and other traditional assets. XRPL is capturing part of that wave by positioning XRP-USD as a bridge asset and settlement token in a tokenized capital-markets stack.
For XRPI and XRPR holders, this matters because ETF flows are effectively a leveraged bet on two converging trends: regulated wrapper adoption in TradFi and real economic activity on XRPL. A 29-day inflow streak into XRP ETFs while on-chain RWA value jumps 23-fold is precisely the sort of alignment that longer-horizon capital looks for when sizing a position beyond short-term trades.
Speculation, Pending Filings and the “Big Week” Narrative Around New XRP ETFs
The short-term trading narrative around XRP ETFs is being amplified by commentary from market personalities promising “big news” for XRP-USD holders. Hints of an important ETF-related announcement before year-end have triggered a fresh round of speculation: some desks expect an accelerated approval for pending XRP funds, others look for distribution agreements or new listings that would put XRPI, XRPR, and companion products in front of a much larger brokerage audience.
In the background, several spot XRP ETF filings from issuers such as WisdomTree, Bitwise, 21Shares and others are already on formal regulatory timelines. No new U.S. approval has been announced yet, and there is no public filing for a BlackRock-branded XRP product, despite persistent rumors. The pipeline is real, but the catalyst remains unconfirmed.
For positioning in XRPI and XRPR, that means the “big week” narrative is upside optionality, not the core thesis. The heavy lifting is already being done by the hard numbers: roughly $1.15 billion in cumulative U.S. spot ETF inflows, 29 straight positive days, and more than $3.3 billion in global XRP ETP allocations year-to-date. Any surprise approval or launch simply compresses time for that adoption curve.
Macro and Liquidity Context: Fed Minutes, Holiday Tape and Why ETFs Keep Buying
Macro conditions into year-end are not friendly to high-beta risk assets. U.S. indices are drifting lower, liquidity is thin, and traders are waiting for the Federal Reserve’s December minutes to gauge how divided policymakers are on the 2026 rate path. Spot BTC-USD is struggling to hold moves toward $90K, trading closer to $87K, and ETH-USD is hovering just under $3,000 around $2,965–$2,970.
Higher yields and a firm dollar tend to compress valuation multiples across speculative assets, and the crypto complex has behaved no differently. That is what makes the divergence between ETF flows and spot price particularly telling. While Bitcoin and Ethereum investment products have seen repeated outflows—Bitcoin ETFs with net redemptions running into the hundreds of millions of dollars on the heaviest days—XRP ETFs are still printing green flow days almost a month straight.
This dynamic suggests that XRPI and XRPR are absorbing capital from allocators making deliberate, medium-term decisions rather than chasing short-term momentum. Instead of adding risk in the most crowded assets into a soft tape, these investors are building XRP-USD exposure via ETFs at a structural discount to the prior cycle highs, with macro noise providing an entry window rather than a reason to exit.
From Direct Token Speculation to Regulated Wrappers: How Capital is Re-Aligning Around XRP
The introduction of XRPI, XRPR, and their peers is changing the way capital accesses XRP-USD. A portion of flows that would historically have gone through offshore exchanges and leveraged products is now being routed into spot ETFs held in brokerage accounts, IRAs, and institutional mandates. That transition has several implications.
First, ETF demand tends to be stickier. Investors allocating to a theme through a regulated fund wrapper are usually thinking in quarters and years, not days. The 29-day positive streak and $1.15 billion cumulative spot ETF inflows into XRP confirm that this is not just fast money scalping headlines. Second, ETF buyers are often pairing listed exposure with tokenization and infrastructure themes. As on-chain RWA value on XRPL jumps to $500 million+, the thesis behind XRP ETFs is less about pure token price and more about owning a piece of a broader settlement and liquidity network.
For XRPI and XRPR, that mix of structural holders and infrastructure-driven narrative helps cushion volatility and creates the conditions for a re-rating if and when XRP-USD breaks out above the $1.94–$2.00 band and moves toward the $3.40 technical target discussed by some analysts.
Trade View on XRPI and XRPR: Speculative Buy with Clear Levels and Asymmetric Upside
Putting the numbers together, the case around XRPI and XRPR is straightforward. Both ETFs are trading near the lower end of their 2025 ranges—XRPI at $10.79 versus a $10.44–$23.53 year band and XRPR at $15.43 against $14.79–$25.99—while the underlying asset, XRP-USD, holds repeated support around $1.80 and sits below the $2.00 resistance.
On the flow side, XRP funds have recorded:
– Around $70 million of December inflows while Bitcoin and Ethereum products lose $443 million and $59 million respectively
– A 29-day uninterrupted inflow streak with daily net buying near $8.44 million
– Roughly $478 million of inflows this month and about $3.3 billion year-to-date across ETPs
– Total ETF/ETP AUM around $1.2–1.24 billion, built in a matter of weeks in the U.S. spot cohort
Fundamentals on XRPL backstop that picture: 2,200% growth in tokenized RWAs, a 23x jump in on-chain asset value to above $500 million, and a native stablecoin that has already hit roughly $1 billion in market cap. Regulation is no longer a structural headwind; instead, it is enabling precisely the type of institutional adoption now visible in the ETF flow tape.
Given that setup, the rational stance on XRPI and XRPR for a diversified, risk-tolerant investor is bullish, speculative Buy rather than Hold or Sell. The favorable entry zone is any consolidation in XRP-USD around $1.80–$1.90, with the $1.80 level as the key line that must hold for the ETF accumulation thesis to remain intact. A confirmed break and retest of $1.94 higher opens a credible path toward $3.40 in early 2026, implying an attractive multi-month risk-reward skew as long as position sizing respects the inherent volatility of both the token and its ETFs.
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