XRP ETFs Cross $1.2B AUM as XRPI at $12.34 and XRPR $17.31 Signal Accelerating Institutional Demand

XRP ETFs Surge Past $1.2B AUM as Institutional Demand Accelerates and XRPI, XRPR Extend Gains

XRPI ETF Climbs to $12.34 While XRPR Holds $17.31, Signaling Sustained Institutional Momentum in Ripple-Linked Products

The surge in institutional interest in Ripple-backed ETFs has propelled both XRPI (NASDAQ:XRPI) and XRPR (BATS:XRPR) into a decisive uptrend, highlighting a historic shift in crypto adoption at the regulated level. As of December 9, 2025, XRPI closed at $12.34, up 1.48%, while XRPR ended at $17.31, gaining 0.58%, with cumulative trading volumes exceeding 639,000 shares. The rally coincides with fresh confirmation that spot XRP ETFs have surpassed $1.2 billion in total assets under management, driven by sustained inflows totaling $38.04 million on December 8 alone. XRP itself trades around $2.08, holding the $2.04 Fibonacci support, as capital inflows and market structure both hint at accumulation rather than speculative excess.

Institutional Accumulation Drives XRP ETF Growth Beyond $1 Billion in Weeks

Ripple’s ecosystem has rapidly evolved into one of the most institutionally recognized digital asset plays of 2025. Four active spot XRP ETFs—managed by Canary Capital, Grayscale, Bitwise, and Franklin Templeton—now collectively control approximately 597 million XRP, valued near $1.23 billion. Canary’s XRPC fund remains dominant, accounting for 56% of the market share with 335.8 million XRP worth $691 million. Grayscale’s XRP ETF follows at $215 million, Bitwise at $193 million, and Franklin Templeton’s XRPZ holds $131 million with the lowest management fee at 0.19%. The broader expansion across ETF issuers shows accelerating inflows from institutional allocators and retirement portfolios, marking XRP as the fastest digital asset ETF to reach $1 billion AUM since Ethereum’s launch in mid-2024.

XRPI and XRPR Price Strength Amid Volatile Crypto Rotation

The XRPI ETF traded within a $11.94–$12.70 intraday range, approaching its yearly resistance at $12.80, while XRPR fluctuated between $16.89 and $17.89, holding above its 50-day moving average. The underlying XRP-USD pair at $2.08 continues to find buyers near $2.04, a level repeatedly defended in December trading. Analysts identify $2.41 as the next resistance level and $2.65 as the breakout confirmation zone, while downside risk remains limited toward $1.73–$1.64 if $2.04 fails. The sustained accumulation of ETFs over 16 consecutive sessions underscores that institutional flows—not retail speculation—are defining XRP’s new trading behavior.

21Shares Positions for Market Entry as Competitive Fee Compression Emerges

Adding competitive pressure, 21Shares has filed an updated S-1 prospectus with the U.S. SEC, confirming plans to launch its XRP ETF (ticker: TOXR) on the CBOE BZX Exchange. The firm’s latest amendment reduces the management fee from 0.50% to 0.30%, aligning with market expectations for tighter cost structures in digital asset products. Custodians will include Coinbase Custody, Anchorage Digital, and BitGo, with BNY Mellon acting as cash custodian and Foreside Global Services handling administration and marketing. This structure mirrors that of larger crypto ETFs, signaling that institutional frameworks around custody and compliance are maturing rapidly.

Regulatory Stabilization Fuels Institutional Confidence in XRP Ecosystem

The resolution of Ripple’s legal conflict with the SEC has cleared the biggest overhang on XRP’s institutional trajectory. The transition from litigation uncertainty to regulatory recognition has fundamentally shifted sentiment across asset managers, with ETFs offering a compliant, audited structure for exposure. Ripple’s continued expansion into cross-border settlements and its regulated USD-backed stablecoin initiative further strengthen the investment case for its network. With the Federal Reserve initiating a 0.25% rate cut, yield-sensitive investors are rotating into alternative yield-bearing and growth-correlated assets—an environment that naturally benefits XRP-linked ETFs.

Comparative ETF Flows Highlight XRP’s Outperformance Over Bitcoin and Ethereum

The latest fund flow data reveal XRP ETFs outperforming Bitcoin and Ethereum products in net inflows. On December 8, XRP ETFs added $38.04 million, while Bitcoin ETFs recorded $60.4 million in outflows and Ethereum ETFs attracted $35.5 million. This relative strength demonstrates a tactical preference among institutional allocators for XRP’s combination of liquidity, settlement utility, and regulatory clarity. Solana ETFs trailed far behind at $1.18 million, confirming that capital rotation remains focused on XRP’s ETF structure rather than smaller altcoins.

Market Dynamics and Technical Outlook for XRP-USD

At $2.08, XRP is consolidating after a sharp institutional-driven rally. Its 24-hour trading volume of $2.58 billion and market capitalization of $125.6 billion position it as the fourth-largest cryptocurrency globally. Derivatives data show XRP futures open interest declining by 2%, but short-term interest increasing across Binance and OKX, suggesting leveraged traders are repositioning ahead of potential breakouts. The next directional trigger may come from the Federal Reserve’s 2026 economic projection release, which could alter liquidity conditions for digital assets. XRP’s macro Fibonacci retracement at 0.5 ($2.04) remains the defining level for accumulation, with support levels at $1.73 and $1.64 forming a broader base structure.

Institutional Rotation Toward Regulated Crypto Vehicles

The rapid institutional migration into XRP ETFs reflects broader changes in U.S. asset allocation behavior. With over 40 spot and futures crypto ETFs approved in 2025, the regulatory environment now mirrors traditional finance infrastructure. Vanguard’s integration of crypto ETFs into standard retirement accounts further legitimizes access to XRP-based products. The influx of retirement and hedge fund capital, previously constrained by custody and compliance barriers, is now reshaping liquidity depth across XRPI, XRPR, and other Ripple-linked ETFs.

Liquidity Concentration Risks and Competitive Landscape

Despite record inflows, analysts caution that concentration risk remains elevated, as Canary’s XRPC fund controls over half of total XRP ETF assets. This centralization could amplify volatility if large redemptions occur. However, ongoing diversification through new entrants like 21Shares and Franklin Templeton mitigates this risk over time. Lower management fees and custodial diversification are already attracting broader inflows from passive and smart-beta fund managers.

Verdict

Verdict: Buy — Ripple’s XRPI and XRPR ETFs exhibit strong structural momentum, supported by $1.2B in assets, consistent inflows, and growing institutional adoption. With XRP holding above $2.04 and ETF volumes expanding, the setup remains bullish toward $2.41–$2.65. The evolving regulatory backdrop, rising AUM, and rate-cut-driven risk rotation position XRP ETFs as leading beneficiaries of 2026’s institutional crypto expansion.

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