XRP ETF Inflows Hit $1.37B As XRP-USD Holds Above $2 And XRPI, XRPR Lock Up Supply

XRP-USD, XRPI And XRPR: ETF Flows Turn XRP Into A Structural Allocation Trade

XRP-USD trades around $2.07–$2.15 after a sharp early-January move that pushed the token from roughly $1.80–$1.90 back over the psychologically critical $2.00 level. At the same time, the listed XRP ETFs are consolidating after a powerful launch phase: XRPI on NASDAQ changes hands near $11.99 (day range $11.97–$12.28, 52-week band $10.44–$23.53, volume about 535k), XRPR on BATS trades around $17.03 (day range $17.03–$17.45, 52-week $14.79–$25.99, volume roughly 15k) and the Bitwise XRP ETF (XRP) on NYSE Arca sits near $23.22 (range $23.21–$23.80, 52-week $20.00–$26.90, volume ~73k). Spot XRP is well below its July 2025 spike near $3.65, but the ETF complex has already attracted institutional capital on a scale that puts XRP in a different category than most altcoins.

XRPI And XRPR Inflows: $1.37 Billion Locked Into XRP Exposure In Under Two Months

Since launch in November 2025, the XRP ETF suite has pulled in roughly $1.37 billion of cumulative inflows. The first fund out of the gate drew about $245 million on day one and pushed the complex past the $1 billion mark within four weeks, making XRP the second-fastest crypto asset after Bitcoin to cross that threshold via ETFs. Total assets under management in XRP ETFs are now in the neighborhood of $2 billion, representing around 788 million XRP held in custody. With circulating XRP supply broadly in the tens of billions but exchange reserves dropping from about 3.76 billion to roughly 1.6 billion between early October and late December, ETF creations have removed a meaningful chunk of the immediately tradable float. At the current pace, every additional $1 billion of ETF inflows implies on the order of 500 million XRP being sequestered into cold custody rather than sitting on exchanges, tightening spot liquidity over time.

Flow Quality In XRPI And XRPR: 35 Trading Days Of Pure Inflows Before The First Redemption

The most telling datapoint is not just the size of the inflows but their consistency. From mid-November through late December, the XRP ETF complex logged 35 consecutive trading days with zero net outflows. During that stretch, every single session finished with creations exceeding redemptions. Over the same period Bitcoin and Ethereum products saw multiple heavy outflow days, including a combined $1.65 billion exit on December 31 alone, and Bitcoin funds bleeding around $1.09 billion in December while XRP ETFs absorbed roughly $483 million. This pattern shows that demand for XRPI, XRPR and peers is driven primarily by mandate-based allocators – pensions, multi-asset funds and wealth platforms executing approved XRP slices – rather than fast-money momentum flows. Once those mandates clear internal committees, capital is deployed on schedule regardless of short-term volatility, which is exactly what the 35-day streak reflects.

January 7 Pullback: A $40.8 Million Outflow That Barely Scratched The XRP ETF Story

The first real stress test came on January 7, 2026, when the complex finally printed a net outflow: around $40.8 million left XRP ETFs in a single day. The flows were highly concentrated. One product saw about $47.25 million in redemptions while another recorded roughly $1.69 million of inflows, leaving the modest net exit that broke the streak. The context matters: by that point XRP-USD had jumped roughly 25–30% in a week, from about $1.84 to the $2.36–$2.40 band, so some profit-taking from shorter-term holders was inevitable. What matters for XRPI and XRPR is what happened next. Within 24 hours inflows resumed, and by January 14 cumulative net flows had effectively absorbed that $40.8 million hiccup, putting total net inflows back around $1.25–$1.37 billion, depending on the cutoff. Against nearly $2 billion in assets and 788 million XRP held, the outflow was a rounding error – not a regime change.

Spot XRP-USD Price Structure: $2.00 As A Line In The Sand, $2.36–$2.42 As The Near-Term Ceiling

The spot chart for XRP-USD explains why the “XRP tops $2” narrative is everywhere. As of January 15, 2026, XRP trades roughly around $2.11 on some venues, with intraday ranges between $2.09 and $2.17, while broader market data show it near $2.0709 with a daily gain around 3%. The path back over $2.00 was not a straight line. XRP first reclaimed $2 on January 2–3 for the first time since a mid-December breakdown, powered by renewed regulatory optimism and the ongoing ETF bid. On January 6, spot XRP spiked into the $2.36–$2.42 zone, which is now the short-term resistance band bulls need to clear. A pullback to roughly $2.06 on January 13 tested whether $2.00 would flip from resistance into support; the subsequent stabilization near $2.15 into January 14–15 suggests that, for now, buyers are defending that level. Underneath, the $1.77–$1.80 area – where XRP found a floor after dropping from the July 2025 high around $3.65 – remains the key downside cushion in any risk-off phase.

Regulation, Legal Overhang And Business Momentum: Why XRPI And XRPR Have A Different Setup

The rally in XRP-USD, XRPI and XRPR is not happening in a vacuum. On the regulatory side, U.S. market structure debates under the so-called Digital Asset Market Clarity Act have injected a new wave of optimism. The idea that crypto trading, custody and token classification could soon operate under clearer statutes is particularly powerful for assets like XRP, which spent years in legal limbo. The August 2025 settlement that confirmed secondary XRP sales do not constitute securities transactions removed the last major barrier for large asset managers, opening the door to ETF launches and direct allocations. At the business level, Ripple’s efforts to secure e-money licensing in hubs such as Luxembourg and to roll out the RLUSD stablecoin for cross-border corridors, especially in Asia, tie XRP more tightly into regulated payment infrastructure. The combination of clearer rules, a resolved SEC case and a growing licensing footprint is exactly the backdrop that institutional committees require before approving XRPI- or XRPR-style exposure.

Institutional Profile: Why XRPI And XRPR Flows Don’t Behave Like Bitcoin And Ethereum ETFs

Recent ETF flow data across the crypto complex underline how differentiated the XRP bid has been. In early January, Bitcoin ETFs saw four straight outflow days totaling about $1.38 billion, while Ethereum products lost around $351 million over three days. In contrast, XRP products continued to print net inflows or, at worst, negligible outflows. More recently, on a strong session for digital assets, U.S. spot Bitcoin ETFs pulled in about $843.6 million (BlackRock’s IBIT alone added roughly $648 million, Fidelity’s FBTC around $125 million), Ether funds attracted another $175 million, and Solana ETFs about $23.6 million, while **XRP-linked ETFs still posted a solid $10.6 million of net inflows. The scale is smaller than Bitcoin, but the pattern is notable: XRP flows are less sensitive to short-term macro swings and more aligned with longer-term positioning. The buyer base is not simply chasing beta; many are explicitly seeking exposure to XRP-USD as a settlement asset in Ripple’s banking and remittance stack, making XRPI and XRPR a structural allocation rather than just another high-beta trade.

XRP-USD Scenario Band For 2026: Bear $2–$2.50, Base $3–$3.50, Bull $4–$5, With An $8 Outlier

Across institutional research desks, three broad paths for XRP-USD keep repeating. A bear case clusters in the $2.00–$2.50 band, basically assuming macro headwinds, ETF inflows slowing toward zero and regulatory progress stalling; in that setup, XRP remains range-bound above the recent $1.80 support but fails to break meaningfully higher. The base case sits in the $3.00–$3.50 area, with analysts assuming continued ETF inflows in the $200–$300 million per month range, further exchange-reserve drawdowns and no fresh legal shocks; reclaiming and consolidating above the prior $3.65 high would fit this trajectory. The bull case targets $4.00–$5.00, which implies a market capitalization between roughly $262 billion and $327 billion, and assumes monthly ETF inflows north of $300 million, clear regulatory tailwinds and successful rollout of products like RLUSD in high-volume payment corridors. On top of that, one large bank has floated an aggressive $8 end-2026 level as an upper-bound scenario, but that requires near-perfect execution and sustained risk-on conditions. The important point for XRPI and XRPR holders is the asymmetry: the structural ETF base and six-year-low exchange reserves make deep collapses less likely than they were in past cycles, while upside remains open if flows scale toward $5 billion (which would imply on the order of 2.5 billion XRP locked in ETFs alone).

Current Positioning Of XRPI, XRPR And Bitwise XRP Versus Their 52-Week Ranges

On the ETF side, prices are still in the lower half of their 12-month bands despite strong inflows. XRPI at around $11.99 is not far above its $10.44 year-low and well below the $23.53 high, even after cumulative inflows north of $1 billion. XRPR at approximately $17.03 sits closer to the bottom of its $14.79–$25.99 range than the top, with only about 15k shares trading on the day – very light volume compared to more mature crypto ETFs, which suggests positioning is still early-stage. The Bitwise XRP ETF at roughly $23.22 versus a $20.00–$26.90 band tells a similar story: a modest day-to-day drawdown of about 3.8% ($0.92) but plenty of room above before retesting the 52-week peak. Meanwhile, spot XRP-USD at $2.07–$2.15 trades significantly below the July $3.65 high but clearly above the $1.77–$1.80 floor. That combination – ETFs still far from their highs, a spot price sitting on a newly established psychological support and measurable structural inflows – is not what you see at the top of a speculative mania; it looks more like a maturing allocation phase.

Risk Map For XRP, XRPI And XRPR: Macro, Rules And Flow Reversal

The constructive setup comes with real risk. On the macro side, a sharp global risk-off move – driven by recession fears, an inflation surprise or a policy shock – would almost certainly compress allocations to XRPI, XRPR and other crypto products, slowing or reversing flows and pushing XRP-USD back toward the $1.80 floor or below. On the regulatory side, the same U.S. legislative process that currently supports the “clarity” narrative could stall or take a hostile turn; a badly designed framework would raise compliance costs for issuers and could cap ETF growth. There is also competitive risk: as Bitcoin and Ethereum ETFs regain inflow momentum – as evidenced by the recent $843.6 million in a single day for U.S. Bitcoin funds and $175 million for Ether – some multi-asset allocators may prefer to reload BTC and ETH first, leaving XRP as a smaller sleeve. Finally, XRP’s large absolute circulating supply means that, even with exchange reserves down to 1.6 billion and 788 million tokens parked in ETFs, whales and early holders still have room to create overhead supply on rallies.

Verdict On XRP, XRPI And XRPR: Buy, Sell Or Hold?

Taking all of the above into account – $1.37 billion of cumulative ETF inflows in roughly 50–60 days, 35 straight sessions with no net outflows before a single $40.8 million redemption that was absorbed within a week, exchange balances cut by about 57% from 3.76 billion to 1.6 billion, spot XRP-USD holding above $2.00 after a retest, and scenario bands that put downside around $2.00–$2.50 versus base and bull paths in the $3.00–$5.00 region with an $8 outlier – the skew is still clearly to the upside. On that basis, XRP-USD, XRPI and XRPR look like a Buy for investors who understand they are stepping into a high-volatility asset with a structural ETF bid behind it. The trade is no longer the distressed, litigation-overhang play it was pre-2025; it is now an institutional product with meaningful flows, clear technical levels and a real regulatory path. The key is position sizing: treat it as a high-beta satellite in a broader portfolio, not the core, and let the ETF demand and shrinking exchange float work over a 12–24 month horizon rather than trying to game every cent around the $2.00 line.

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