XRP ETF Slide Deepens: XRPI and XRPR Hit Range Lows While XRP-USD Clings to $1.60 Support

XRP ETF pivot: XRPI, XRPR, Bitwise and XRP-USD under pressure

XRP-USD price damage and the new range for XRP ETF investors

XRP-USD trades near $1.62 after a three-year climb of about 365% that pushed its value close to a $99 billion market cap, yet the last leg has been brutal, with a drop of more than 30% in three months and a slide of over 40% from the $3.65 area. The token now fights to hold the $1.50–$1.60 band while the 50-day EMA around $1.96, the 100-day EMA near $2.10 and the 200-day EMA close to $2.25 sit stacked above price and lock in a clear bearish structure. Every rebound into that EMA cluster is supply. For XRP ETF holders, that down-shift is visible immediately in XRPI ETF at $9.29, down 6.86% on the day with a narrow $9.27–$9.50 range, and in XRPR ETF at $13.34, lower by 6.32% inside a $13.33–$13.56 band. Both ETFs now trade right on top of their 52-week lows, with XRPI ETF pinned at the bottom of its $9.27–$23.53 range and XRPR ETF sitting at the floor of its $13.33–$25.99 corridor, so the market has already erased an entire upswing and is testing who has the conviction to stay.

XRPI ETF flows: a $2.17 million redemption that shows real stress

XRPI ETF just absorbed a single-day outflow of about $2,169,027 on January 30, 2026, against roughly $128.9 million in assets. That 1.68% redemption in one session is not a death blow, but it is not noise. At the same time, XRP-USD has shed about 31.4% over the last three months, so holders are not trimming a winner, they are cutting a losing line. When a fund at $9.29 with a 52-week low of $9.27 sees nearly 2% of its capital walk out in one day, it means some investors are done trying to time the bounce and are choosing cash over a deeper drawdown. That is classic late-stage behavior in a selloff: weak hands exit at the bottom of the range while stronger capital starts to look at the same levels as optionality, not capitulation.

XRP ETF complex: record outflow, sharp rebound and why Bitwise matters

Not every XRP ETF looks like XRPI ETF. The XRP ETF complex as a whole suffered a record single-day outflow of roughly $93 million on a Thursday and then swung back to about $17 million in inflows on Friday. That kind of whiplash tells you large desks are active and opportunistic. Money is not breaking the ecosystem; it is trading it. While XRPI ETF prints that $2.17 million redemption, other wrappers, including the Bitwise XRP ETF, have been singled out as vehicles that actually attracted fresh capital when broader digital-asset funds bled. Bitcoin and Ethereum ETFs have seen weekly outflows in the area of $1.7–$1.8 billion and total crypto ETP assets have dropped by tens of billions from the October peak, yet XRP ETF products still manage positive flow spikes on selected days. That relative resilience is why allocators now pick XRP exposures as tactical trades inside a hostile macro tape instead of ignoring them.

Derivatives and on-chain: OI, addresses and the real state of XRP-USD demand

Futures and on-chain numbers confirm that XRP-USD demand is thinning out rather than rotating higher. Open Interest in XRP-USD futures slipped from about $2.97 billion to roughly $2.81 billion in a single day, a $160 million drop in notional exposure. That is traders closing risk, not adding to it. At the same time, active addresses on the XRP Ledger fell back to around 18,000 on Sunday after jumping to roughly 21,500 on Saturday, a decline of about 16% in 24 hours. Retail participation is not rushing in to buy the dip; it is backing away from day-to-day activity. The daily chart shows a MACD line below the signal with a deepening negative histogram, while the RSI hovers near 28 and only starts to creep higher. The message is simple. Sellers have already done a lot of damage, momentum is stretched, but new buyers are still cautious, so the next move depends on whether flows stabilize before another macro shock hits.

Misleading headlines, WisdomTree withdrawal and the real XRP ETF pipeline

One smaller outlet tried to link a 6% drop in XRP-USD directly to WisdomTree’s choice to withdraw its spot XRP ETF S-1, turning a routine filing move into a scare headline. That framing ignores the context. The sell-off came during a 10% broad hit across major coins, and ETF applicants cancel or amend registrations all the time for timing and commercial reasons. What matters much more is that multiple XRP ETF proposals are alive. Grayscale, 21Shares, Bitwise, Canary, CoinShares and Franklin Templeton all still have spot XRP ETF products in play. The Bitwise XRP ETF is already a functioning instrument that has featured in recent positive flow tallies. Regulators have not slammed the door on XRP ETF structures; they are shaping a crowded field where only the most efficient and liquid offerings survive. For investors, that means the story is not ETF rejection, but ETF selection.

Macro regime: high uncertainty, gold at $5,500 and why XRP trades like leverage

The macro environment explains why XRP ETFs now react violently to each headline. Unemployment sits near 4.4%, yet layoffs just posted their highest total since 2020, and regulators note that credit card and auto delinquencies have climbed back to levels last seen around the 2008 crisis. Gold has surged above $5,500 per ounce as investors buy insurance against policy error and geopolitical shocks. At the same time, the Trump administration is pressing the Federal Reserve for faster rate cuts, while the Department of Justice has opened an investigation into Jerome Powell’s testimony over Fed building renovation costs, a combination that raises questions about central-bank independence. In that setting, XRP-USD does not trade as a safe harbor. It behaves as a leveraged expression of risk appetite. When conviction fades, flows rotate into gold and cash surrogates, and high-beta assets like XRP ETF XRPI and XRP ETF XRPR take the hit first.

Three-year narrative shift: from ETF hype to digestion for XRP ETFs

The last three years were defined by anticipation. XRP-USD gained about 365% as investors waited for XRP ETF launches and a friendlier policy stance on crypto. That story has played out. The first XRP ETF arrived in November, additional structures from Bitwise and others followed, and the current administration scaled back several enforcement pushes while softening the tone on digital assets and even building a Strategic Bitcoin Reserve framework. Prices and flows already priced that excitement. Now XRP-USD at $1.62 and XRPI ETF at $9.29 reflect a market that has moved from front-running catalysts to digesting them. Future performance will hinge less on ETF headlines and more on whether the ecosystem delivers deeper utility, stronger volume and resilient use-cases during rough macro quarters. The fact that XRPI ETF now trades near the very bottom of its 52-week range after all that “good news” shows how far expectations have reset.

XRPI ETF versus XRPR ETF: structure, liquidity and how they really behave

XRPI ETF is the cleaner institutional tool. It tracks XRP-USD spot with straightforward exposure, has a price at $9.29, a day range of $9.27–$9.50, and average volume around 521,000 shares. Trading costs are manageable, and large orders can move without excessive slippage. XRPR ETF is a more concentrated line, sitting at $13.34 with a range of $13.33–$13.56 and average volume under 12,000 shares. That makes XRPR ETF far more sensitive to each ticket. One decent-sized redemption or block sale can punch it through the 52-week low at $13.33 with limited resistance and widen spreads in the process. Both funds mirror the same underlying token, but their micro-structure risk is different. XRPI ETF suits investors who want scalable exposure to XRP-USD inside traditional brokerage accounts, while XRPR ETF is closer to a specialist product that demands more tolerance for intraday noise.

Ripple’s funding, TradFi push and why XRP remains relevant to institutions

Away from the tape, Ripple continues to anchor the XRP story inside traditional finance. The company raised about $500 million at a $40 billion valuation in November, with participation from large Wall Street firms and crypto-focused funds. That capital is not being used to manufacture hype. It is being deployed into acquisitions like Solvexa, integrated through GT Treasury, to tighten reconciliation, compliance and reporting for corporate treasury operations and banks that need to move between fiat and on-chain rails. That kind of plumbing does not grab attention the way price spikes do, but it matters to institutional XRP ETF buyers. When a CIO allocates to XRPI ETF or a Bitwise XRP ETF, they are not only trading a chart at $1.62. They are also backing a network that is trying to embed itself inside real payment, liquidity and reporting systems that incumbents already trust.

Positioning for the next move: XRP ETF risk profile and practical stance

Over the next three years, XRP-USD faces three broad paths. In a benign macro path where growth stabilizes and policy risk fades, a return toward the $2.50–$3.00 band is realistic, and XRPI ETF in the mid-teens or low $20s is on the table from a $9.29 base. In a choppy environment where uncertainty lingers, XRP-USD may oscillate between $1.20–$2.00, and total return will depend on timing and the investor’s discipline, with XRP ETF Bitwise products serving as tactical tools rather than core holdings. In a harsher downturn, supports at $1.50 and $1.20 can fail and XRP-USD revisit sub-$1.00 levels, leaving XRPI ETF and XRPR ETF investors sitting on deep unrealized losses. With XRP-USD oversold at an RSI near 28, futures OI compressing from $2.97 billion to $2.81 billion, active addresses dropping from 21,500 to 18,000, and XRPI ETF pinned at $9.29 after $2.17 million walked out in one day, the setup is a high-beta contrarian zone, not a comfortable hold. The straight view is this. XRPI ETF at current levels is a speculative Buy for investors who accept crypto-scale risk and can carry volatility through macro shocks. XRPR ETF is a Hold for existing owners given thin trading and proximity to its low. Bitwise XRP ETF exposure is a Buy on weakness, not something to chase on green days. Anyone stepping in needs to treat these lines as aggressive risk tools, not as safe yield sleeves, and size them accordingly.

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