XRP ETFs Hit $10 Billion: The Crypto Market’s Next Earthquake

Wall Street's latest crypto obsession just got a price tag. A $10 billion XRP ETF market wouldn't just be another fund—it would be a tectonic shift for digital finance.

Mainstream Money Meets Blockchain Utility

Forget speculative memecoins. This capital wave targets an asset with a clear use case—cross-border settlement. That $10 billion figure represents institutional validation of utility over hype, a direct challenge to the old-guard SWIFT system. It's real-world adoption, quantified.

The Ripple Effect on XRP's Core Market

An ETF of this scale supercharges liquidity. For banks and payment providers using Ripple's network, that means deeper, more stable markets to source XRP. It transforms the token from a niche settlement tool into a mainstream financial instrument, potentially lowering volatility and boosting utility demand in a self-reinforcing cycle.

A Regulatory Green Light (With Strings Attached)

A $10 billion fund doesn't just happen. It requires regulators to move from tentative approval to full-throated endorsement. That stamp of legitimacy—often granted with a hefty dose of compliance theater—could finally draw a line under years of legal uncertainty, opening the floodgates for more conservative capital.

The cynical take? The same financial institutions that once dismissed crypto will now collect fat management fees for letting you buy a sliver of it. But the real story is simpler: ten billion dollars doesn't lie. It builds, validates, and permanently alters the landscape.

Interest in XRP exchange traded funds is growing quickly after another product received approval. Cboe has approved a 21Shares XRP ETF under the XR ticker, adding to the list of funds offering exposure to the token.

The pace of inflows has surprised even industry leaders. Ripple CEO Brad Garlinghouse recently celebrated that XRP ETFs crossed $1 billion in assets in about 17 days, a much faster start than many expected.

Market analysts say this trend could accelerate.

$10 Billion Target Within a Year

Crypto analyst Mickle said that if current inflow rates continue, XRP ETFs could hold as much as $10 billion worth of XRP within a year.

He said ETFs are removing friction for investors who previously avoided crypto exchanges. Many investors did not buy XRP earlier simply because access was complicated or outside their compliance rules.

ETFs change that by allowing investors to buy XRP exposure through regular brokerage accounts. Mickle said XRP today is very different from what early investors bought years ago.

“The XRP I bought in 2016 or 2017 is not the same XRP we have today,” he said. “The network keeps getting more powerful. New features are being added, and from an investment point of view, that matters.” He added that many investors overlook Ripple’s original vision for the XRP Ledger.

“If you go back and watch interviews with Chris Larsen from as early as 2013, he was already talking about issuing assets on the ledger and using XRP as liquidity,” Mickle said. “That idea has been there from the start.”

New Liquidity Pipeline for XRP

The analyst described XRP ETFs as a new liquidity pipeline rather than a short term trade. This steady institutional demand could reduce reliance on retail trading cycles and add depth to the XRP market.

Over time, that demand may support price stability and higher trading volumes. As these markets develop, Mickle said the role of the XRP Ledger is likely to expand.

“You’re going to see more infrastructure MOVE onto the XRP Ledger,” he said. “That positions XRP as underlying liquidity across different financial uses, not just money moving back and forth.”

Institutions Drive the Next Phase

Institutions have strong incentives to promote ETF products because they fit within compliance, marketing, and advisory frameworks.

This makes XRP ETFs easier to recommend and distribute than direct crypto holdings. Analysts see this as a major positive catalyst for long term adoption.

Market Cycles Are Changing

Recent price swings following U.S. rate cuts show that crypto still reacts to macro news. However, the analyst argues the market is moving away from strict four year boom and bust cycles.

Instead, performance is becoming more driven by fundamentals such as regulation, infrastructure, and institutional use cases.

XRP has already outperformed many altcoins over the past 18 months, suggesting capital is becoming more selective.