XRP ETF Momentum: The $10 Billion Institutional Gateway

The recent approval and explosive early growth of the 21Shares XRP ETF (ticker: XR) on the Cboe exchange have ignited a significant shift in the digital asset landscape. Ripple CEO Brad Garlinghouse's revelation that the fund accumulated a staggering $1 billion in assets under management in just 17 days has shattered expectations and signaled a powerful wave of institutional capital entering the XRP ecosystem. This unprecedented pace of inflows has led analysts to project that XRP ETF holdings could reach a monumental $10 billion milestone within the next year. Market observers are emphasizing that these regulated financial products are serving as a critical bridge, unlocking access for a vast pool of traditional investors and institutions that were previously hesitant due to the operational complexities and custody concerns associated with direct cryptocurrency ownership. The surge in institutional interest, facilitated by the ETF structure, is not only providing massive liquidity and validation for XRP but is also positioning it for a new phase of mainstream adoption and price discovery. As of December 2025, this development marks a pivotal moment, transforming XRP from a primarily retail and cross-border settlement asset into a cornerstone of institutional crypto portfolios.

XRP ETFs Poised for $10 Billion Milestone as Institutional Interest Surges

The approval of a 21Shares XRP ETF under the ticker XR by Cboe has catalyzed institutional inflows, with Ripple CEO Brad Garlinghouse noting $1 billion in assets accumulated within 17 days—a pace that defied expectations. Analysts project this trajectory could propel XRP ETF holdings to $10 billion within a year.

Market observers highlight ETFs as a gateway for traditional investors previously deterred by operational complexities. 'The XRP I bought in 2016 isn’t the same asset today,' remarked crypto analyst Mickle, emphasizing the ledger’s evolving utility. Yet many investors overlook Ripple’s original vision for the XRP Ledger, articulated by Chris Larsen as early as 2013.

XRP Investors Grow Bullish as ETF Inflows Extend Streak to 19 Days

XRP's bullish momentum is gaining traction across social media platforms, with Santiment reporting the seventh-highest volume of optimistic sentiment this year. The cryptocurrency has held steady NEAR the $2 threshold, reflecting a tug-of-war between bulls and bears.

Spot XRP ETFs recorded $20.1 million in inflows on Friday, extending their net inflow streak to 19 consecutive days. Cumulative inflows now approach $974.5 million, with total assets under management surpassing $1.18 billion.

Regulatory tailwinds emerged as Ripple secured approval for a national trust bank charter from the U.S. Office of the Comptroller of the Currency. The company's recent $500 million funding round at a $40 billion valuation attracted institutional heavyweights including Citadel Securities and Fortress Investment Group affiliates.

XRP Price Stagnation Defies ETF Inflows as Market Absorbs OTC Demand

XRP's price action continues to confound investors despite robust ETF interest. Analyst Zach Rector attributes the stagnation to a market dynamic where over-the-counter ETF purchases are offset by exchange outflows. "November saw $803 million in ETF inflows versus $808 million in exchange sell-offs," Rector noted on the Paul Barron Podcast.

The disconnect stems from ETF accumulation occurring off-exchange, while price discovery happens on public platforms. This divergence creates a temporary equilibrium where institutional demand fails to lift spot prices. Historical data suggests the logjam will break when ETF buying pressure migrates to exchanges.

Market participants await the tipping point where ETF inflows overwhelm exchange liquidity. Rector maintains this transition could catalyze aggressive buying, but timing remains uncertain amid current market conditions.

XRP ETFs Defy Market Trends with $975M Inflows as Price Tests Key Support

XRP spot ETFs have attracted $975 million in net inflows over 30 consecutive trading days since their November 13 launch, amassing $1.18 billion in total net assets. This sustained demand contrasts sharply with Bitcoin and ether ETFs, which saw intermittent outflows during the same period.

The token’s price declined 1.35% in the latest session, testing the psychologically critical $2.00 support level. Technical indicators flash warning signals—XRP trades below its EMA ribbon, a pattern historically preceding 27-66% drawdowns.

Institutional appetite is tightening supply dynamics. ETF purchases remove XRP from exchange circulation, creating structural scarcity amid growing demand. Market participants now watch whether the $2.00 floor holds or yields to downward pressure.

Analyst Projects XRP Consolidation Phase, Predicts Future Upside

XRP faces a critical digestion phase after failing to sustain momentum above $2, according to a leading market analyst. The digital asset has retreated from recent highs but maintains structural support for a potential breakout within three to six months.

Seasoned traders view the current price action as healthy consolidation rather than distribution. Historical patterns suggest such periods often precede significant moves in either direction, with technical indicators favoring eventual upside resolution.

Ripple and Amina Bank Forge Strategic Partnership as DeepSnitch AI Gains Retail Traction

Ripple Payments has secured a partnership with Swiss-regulated Amina Bank, enhancing transaction efficiency through blockchain infrastructure. The collaboration leverages Ripple's payment rails to bypass traditional banking delays, promising faster, cheaper, and more transparent settlements. This follows Amina's earlier integration of Ripple's RLUSD stablecoin, solidifying the company's European foothold.

Meanwhile, retail investors are flocking to DeepSnitch AI, a nascent project with a presale surge past $792,000 and 20 million tokens staked. Its 100% bonus offer and January launch have fueled speculation of a 100x return, positioning it as a high-growth alternative to institutional-focused plays like Ripple.