XRP ETFs Pull in $1.2B as Bitcoin, Ethereum Funds Cool

Ben Graham · 7 horas atrás

XRP spot ETFs in the U.S. quietly gathered around $1.2 Bn in assets in just a few weeks, even as crypto prices softened and hype around Bitcoin and Ethereum ETFs faded.

XRP STEALING THE SHOW

While the market bleeds and uncertainty grows… $XRP attracts $62.9M in inflows $ETH & $BTC seeing heavy outflows, yet smart money rotates into $XRP

This isn’t noise this is positioning before the move pic.twitter.com/2D8ub0kBEL

— Xaif Crypto| (@Xaif_Crypto) December 22, 2025

XRP itself has struggled after recent highs, but the steady ETF buying tells a different story. This comes as regulators open the door to more crypto ETFs and institutions seek new ways to gain crypto exposure without trading on exchanges.

Why Are XRP ETFs Pulling Cash When Bitcoin and Ethereum Slow Down?

First, a quick refresher. An ETF (exchange-traded fund) is like a basket that holds an asset, in this case XRP, and trades on a stock exchange. You buy it in a brokerage account the same way you buy Apple or Tesla. That means some investors can get XRP exposure without opening a crypto exchange account or managing their own wallets.

As noted by TradingNews, U.S. spot XRP ETFs from issuers such as Bitwise, Grayscale, Franklin Templeton, and Canary Capital collectively surpassed roughly $1.2 billion in assets under management (AUM) by mid-month. Canary’s XRPC alone attracted about $245 million on launch day, beating more than 900 other ETF launches this Year.

Here’s the twist: XRP ETFs logged 21–30 straight days of net inflows while many Bitcoin and Ethereum ETFs saw money leave. Even while prices cooled, institutions continued to add XRP exposure. That hints at a more deliberate portfolio allocation rather than fast money chasing short-term gains.

Even with $1.2 billion pouring into XRP ETFs, the price has barely budged. Authorized Participants (APs) hedge by shorting XRP futures on the CME when creating new ETF shares, locking up supply in the ETFs while offsetting it with professional selling in the derivatives market.

If you want a deeper price-focused angle on this disconnect, check our recent explainer on why rising XRP ETF demand hasn’t pushed XRP price higher yet.

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What Makes This “Third Path” Different From Bitcoin and Ethereum ETFs?

Executives behind these products describe XRP as taking a “third path.” Bitcoin’s ETF story resembled a giant pressure release valve: a decade of waiting, massive hype, and a launch right in the middle of a bull run. Ethereum’s spot ETFs then entered a crowded field with less excitement and slower early inflows.

XRP’s ETFs, by contrast, attracted over a billion dollars in what asset managers call a down market. As Bitwise CIO Matt Hougan noted in comments reported by Coinpedia via TradingView, that level of demand in weak conditions would likely be far larger in a strong cycle. That matters because it suggests institutions treat XRP as an allocation decision, not a meme trade.

JPMorgan estimates XRP ETFs may see $4–8.4 billion in first‑year inflows, according to TradingNews. For everyday investors, that kind of steady institutional interest can support liquidity and make it easier to enter or exit positions through traditional brokers.

XRP is also showing up in broader crypto products. The Grayscale Digital Large Cap Fund now includes XRP, as noted by Investopedia. Think of these multi‑asset funds like a ready‑made crypto index: you buy one ticker and get exposure to several large coins at once.

For more on how big institutions are approaching other coins, you can compare this trend with our coverage of large ETH accumulation by institutional players and our look at XRP and Solana futures on CME.

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What Are the Risks for Regular Investors Watching XRP ETF Hype?

This all sounds bullish, but you should stay grounded. ETF inflows do not guarantee a rising price chart. In fact, XRP ETF demand has coexisted with sharp XRP price swings and long consolidations. The asset still trades in a market that can move 10–20% in a short window.

Also, remember what an ETF actually gives you. You get price exposure, but not direct control of your XRP on-chain. You cannot use ETF shares for payments, DeFi, or staking. If your goal is to experiment with XRP’s tech or on‑chain tools, an ETF behaves more like a stock than like crypto in your own wallet.

Institutional flows can reverse without warning. If a few large funds rebalance away from XRP, short‑term price and liquidity can suffer. And while the SEC has simplified standards for listing crypto ETFs, regulators can still tighten rules again if they see problems.

So how do you use this information? Treat XRP ETFs as a signal of growing institutional comfort with XRP, not as a promise of easy gains. Never buy XRP (or an XRP ETF) with rent money, and avoid FOMOing into a green candle just because inflow numbers look impressive. If you stay patient, size your positions small, and learn the basics of how future XRP ETF waves might play out, this “third path” narrative can become one more tool in your decision-making—not a shortcut.

As more crypto ETFs launch and evolve, watch how consistently the cash sticks to XRP during both rallies and pullbacks; that behavior will tell you far more about long‑term staying power than any one headline number

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