Ripple’s XRPI And XRPR ETFs Rise As XRP Hits $2.19 With $164 Million In ETF Inflows And 29% Supply Drop

Ripple XRP ETFs XRPI and XRPR Surge as Institutional Demand, ETF Launches, and Exchange Supply Decline Signal a New Market Phase

The launch of the XRP ETFs — XRPI (NASDAQ:XRPI) and XRPR (BATS:XRPR) — marks a defining moment for institutional adoption of Ripple’s ecosystem. As of November 30, 2025, XRPI trades at $12.69, up 2.53%, while XRPR sits at $17.85, gaining 2.67% before a modest after-hours recovery to $12.76. Together, these funds represent a regulated gateway for exposure to XRP (XRP-USD), attracting both retail and institutional inflows as spot products finally gain SEC approval. The approval of multiple U.S.-listed spot XRP ETFs from Franklin Templeton (XRPZ), Grayscale (GXRP), and 21Shares (TOXR) has added an unprecedented layer of legitimacy to the asset, triggering structural demand shifts and reducing liquid supply on major exchanges by nearly 29%.

Institutional Wave Lifts XRP Market Toward $3.60 Amid ETF Inflows

Spot XRP ETF products debuted with immediate traction. On their opening day, Grayscale’s GXRP and Franklin Templeton’s XRPZ recorded a combined $164 million in inflows, driving XRP’s market price to $2.19 after rebounding from a monthly low near $1.81. Total assets under management across all U.S.-listed XRP ETFs now stand at roughly $628 million, equivalent to 0.5% of XRP’s circulating supply. Analysts project that total ETF-managed assets could reach $6.7 billion by the end of 2026, assuming average daily inflows remain near $40–$60 million. These ETF flows have been instrumental in stabilizing market sentiment following the SEC’s approval and Ripple’s settlement with the regulator earlier this year, which removed a major overhang on institutional adoption.

XRPI and XRPR Reflect Strength as XRP Consolidates at Key Technical Levels

XRPI ETF, which mirrors XRP’s spot price, traded between $12.66 and $13.29, closely tracking underlying market volatility as XRP consolidated between $2.17 and $2.24. XRPR ETF, launched by REX Osprey, remained in a $17.83–$18.62 range, outperforming short-term market benchmarks despite a broader crypto cooldown. These ETFs saw a combined average daily volume of 651,000 shares, signaling consistent liquidity for institutional-sized trades. Technical analysis of XRP reveals compression within Bollinger Bands and a weekly Stochastic RSI bullish crossover, historically a precursor to 100%+ rallies during 2023 and 2024. A confirmed breakout above $2.60 — the 0.5 Fibonacci retracement — would reestablish a bullish structure, while a sustained close above $3.40 could trigger what analysts call a “super bullish macro breakout.”

Legal Clarity and ETF Expansion Reinforce Ripple’s Institutional Strategy

Ripple’s $125 million settlement with the SEC in August 2025 was the turning point that unlocked institutional participation. The company followed this milestone by acquiring Hidden Road for $1.25 billion, rebranding it as Ripple Prime — the first crypto-owned global prime brokerage. Ripple Prime now provides clearing, financing, and OTC services integrated with RLUSD, Ripple’s dollar-backed stablecoin, used as collateral across institutional desks. This structure gives XRP a dual identity — a settlement token and a liquidity rail for regulated financial products. Following these moves, open interest in XRP futures exceeded $4 billion, highlighting a migration from speculative retail trading toward structured institutional exposure.

ETF Supply Dynamics Drive Exchange Liquidity Compression

On-chain data confirms a 29% reduction in exchange reserves over the last 30 days as ETF custodians accumulate XRP. Binance’s XRP balance fell to 2.7 billion tokens, the lowest in 12 months, while total ETF holdings now represent 0.5% of global circulating supply. Such supply compression mirrors the pattern seen in Bitcoin markets post-ETF approval, when long-term holders absorbed liquid float and price discovery shifted to ETF-driven demand. This dynamic supports the current consolidation above $2.17, while setting up structural conditions for a higher equilibrium range near $2.50–$3.00 as institutional demand persists.

Macro Framework: ETF Launches Align With Regulatory Transformation

The SEC’s “Project Crypto”, led by Chairman Paul Atkins, has fast-tracked ETF approval through a disclosure-based framework that allows compliant issuers like Grayscale, Franklin Templeton, Bitwise, and 21Shares to list crypto ETFs on NYSE Arca and BATS. The competitive environment created by multiple issuers has accelerated liquidity migration from unregulated exchanges to regulated custodians. Franklin Templeton further fueled adoption by waiving management fees for the first $5 billion in XRPZ ETF assets until May 2026, making it one of the lowest-cost crypto ETFs on the market at 0.2% fees. This regulatory clarity contrasts sharply with the 2019–2023 era of enforcement ambiguity, positioning XRP as the first altcoin to replicate Bitcoin’s institutional ETF trajectory.

Technical Structure: Volatility Compression Before a Major Breakout

XRP’s weekly Bollinger Band width has narrowed to its tightest since 2021, historically preceding significant expansions in volatility. The price currently consolidates between $2.17 and $2.24, with upside potential toward $2.45 and long-term targets at $3.60 based on liquidity models. Analysts from Brave New Coin note that the Stochastic RSI crossover from oversold levels supports a near-term bullish bias, while shorter time frames remain choppy. Liquidity theory models anticipate a brief correction toward $2.10, followed by accumulation-driven rebounds, with deeper liquidity sweeps possibly extending to $1.50 before a projected rally back toward $3.60.

Institutional Accumulation and Futures Activity Support Bullish Sentiment

Data from Glassnode shows that institutional wallets holding 10 million+ XRP have expanded their positions by 8% since October, marking one of the strongest accumulation periods since 2021. Open interest in XRP-linked derivatives surpassed $4.3 billion, while total daily trading volume for spot XRP ETFs reached $59 million during the first week of trading. These metrics confirm that institutional money is not merely testing exposure but committing capital to long-term positions. The ETF-driven inflows are functioning as a structural liquidity sink, reducing available XRP float and contributing to the stable trading range around $2.20 despite broader market volatility

Competitive Pressure From Stablecoins and Payment Tokens

While ETFs have revitalized XRP’s appeal, competition in cross-border payments is intensifying. Stablecoins like USDT and USDC, alongside new entrants such as Digitap (TAP) and Remittix (RTX), are capturing parts of XRP’s original market. These projects combine fiat and crypto settlements, challenging XRP’s once-uncontested lead in institutional remittances. However, Ripple’s integration of RLUSD within Ripple Prime strengthens its relevance by providing regulated liquidity options. Analysts argue that while stablecoins dominate short-term payment flows, XRP’s positioning as a reserve-layer asset, now institutionalized through ETFs, gives it an edge in scalability and transparency.

Long-Term Projection: Institutionalization of XRP Market Structure

By late 2025, XRP’s market capitalization stands near $135 billion, making it the fourth-largest digital asset. The combination of ETF inflows, decreasing exchange supply, and regulatory stability sets the stage for structural appreciation into 2026. Analysts estimate that maintaining weekly ETF inflows of $100–$150 million could push XRP toward $3.50–$3.80 within the next cycle, while sustained demand could even revisit the $5.00 levels seen in optimistic models. The speculative $20 price target circulating among social channels assumes continued ETF expansion and multi-year institutional retention — a highly aggressive scenario requiring consistent inflow momentum.

Verdict On XRPI, XRPR, And XRP-USD — Institutional Bullish Bias Toward $3.60

Both XRPI and XRPR ETFs confirm that Ripple’s transition from litigation to legitimacy is complete. With XRPI near $12.69, XRPR at $17.85, and XRP-USD stabilizing at $2.19, the ecosystem is entering a mature phase where price discovery is increasingly driven by regulated financial flows. Institutional inflows exceeding $160 million, combined with declining exchange reserves and reinforced regulatory frameworks, indicate sustainable structural demand. Based on current ETF dynamics and accumulation patterns, XRP maintains a bullish bias toward $3.60 in the medium term, supported by its evolving role as both a payments asset and an institutional-grade investment vehicle.

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