XRP Price: ETFs Surge Past $1.2 Billion as Technical Signals Flash Major Bottom

XRP's price action is finally getting the institutional attention it deserves. While retail traders chase memes, the smart money is quietly building a $1.2 billion position in XRP-focused ETFs. That's not pocket change—it's a statement.

Decoding the Charts

Technical indicators are whispering what the headlines haven't shouted yet. Key momentum oscillators are diving into oversold territory not seen since the last major cycle low. On-chain metrics show long-term holders are accumulating, not capitulating. The price might be down, but the foundation is being reinforced.

The ETF Factor

That $1.2 billion ETF inflow isn't just a number—it's a massive vote of confidence from regulated vehicles that typically move at a glacial pace. It suggests a growing institutional narrative around XRP's utility, separate from the endless regulatory theater that dominates the news cycle. Sometimes, the real story isn't in the courtroom filings, but on the balance sheets.

What Comes Next?

Markets don't bottom on good news; they bottom when the last seller finally gives up. The combination of extreme technical positioning and sustained institutional buying creates a compelling setup. It's the classic contrarian play: buy when there's blood in the streets, even if it's just on the charts. Just remember, on Wall Street, a 'long-term investment' often means until next quarter's earnings report.

TLDR

• XRP ETFs surpassed $1.21 billion in total net assets by December 19, just over a month after launching in mid-November
• Asset managers describe XRP ETFs as a “third path” in crypto adoption, attracting both retail investors and institutional clients like pensions and insurance firms
• The XRP Ledger has processed over four billion transactions with 4-5 second settlement times and minimal fees
• Technical analysis shows rare bullish signals, including a Stochastic RSI at 0.00 on the three-week chart, last seen during the 2022 bear market bottom
• XRP is trading near $1.91-$1.92 with key support at $1.85-$1.90, showing signs of stabilization after recent market weakness

U.S. listed spot XRP ETF products crossed $1.21 billion in total net assets by December 19. The funds launched in mid-November and have maintained steady inflows despite weakness across the broader crypto market.

JUST IN: ETF clients buy $18.99 million worth of $XRP, bringing total ETF-held net assets to $1.14 billion. pic.twitter.com/PgShUtlRXb

— Whale Insider (@WhaleInsider) December 18, 2025

The growth represents a departure from the Bitcoin and Ethereum-dominated ETF landscape. Asset managers who spoke on a recent podcast described the trend as a “third path” in institutional crypto adoption.

Steven McClurg, CEO of Canary Capital, said early demand appeared retail-led but quickly expanded to include institutional buyers. Pensions and insurance firms outside the U.S. have shown interest in the product.

McClurg explained that traditional investors find XRP easier to understand because it connects to payment systems and liquidity flows. This makes it more accessible compared to other crypto assets.

Matt Hougan, Chief Investment Officer at Bitwise, said advisers are drawn to XRP’s established track record. The token has been operating since 2012, which reduces concerns about project longevity.

Hougan added that advisers respond well to use cases they can explain to clients. Cross-currency liquidity and stablecoin-related functions provide clear examples of real-world utility.

Ripple CTO David Schwartz described the XRP Ledger as financial infrastructure designed for specific purposes. The network supports multiple assets and processes transactions with stable fees.

Network Activity and Institutional Tools

Schwartz pointed to on-chain data showing over four billion transactions on the XRP Ledger. The network delivers settlement finality in 4-5 seconds with fees low enough to go unnoticed by most users.

Active usage and DEEP liquidity were cited as factors supporting institutional participation. Assets are settling on-chain rather than remaining in holding patterns.

The podcast discussion also covered Ripple’s RLUSD stablecoin. McClurg mentioned early signs of enterprise adoption and referenced the Hidden Road deal as evidence of integration with capital markets.

Schwartz discussed Evernorth, a treasury infrastructure specific to XRP. The platform participates in yield strategies and network functions including validation and liquidity provision.

Technical Indicators Show Rare Patterns

Technical analysis reveals unusual signals for XRP. The Stochastic RSI on the three-week chart dropped to 0.00, a level last reached during the 2022 bear market bottom.

This reading suggests selling pressure has largely run its course. The metric indicates that downward momentum has dried up on longer timeframes.

$XRP is currently showing a bullish RSI divergence on the daily timeframe — the same signal we saw in 2022 at the bear market bottom, when price was trading around $0.28.

After that divergence, XRP stabilized, reversed, and eventually rallied aggressively to new all-time… pic.twitter.com/AfSvmsYUki

— STEPH IS CRYPTO (@Steph_iscrypto) December 20, 2025

The daily chart shows a bullish divergence in the RSI. This pattern last appeared in 2022 when XRP traded at $0.28. The token later stabilized and entered an uptrend.

XRP currently trades NEAR $1.91-$1.92, below both the 20-week and 50-week exponential moving averages. The price is testing support at $1.85-$1.90, which aligns with the 100-week EMA and the lower Bollinger Band.

Candles show extended lower wicks in this range, indicating buying pressure is present. The weekly MACD remains negative, showing some downward momentum persists in the market.