XRP ETFs XRPI and XRPR Pull In $975M While XRP-USD Fights To Hold $2

XRP ETFs At A Crossroads: Price Flat, Flows Explosive

XRPI And XRPR Price Positioning Against XRP-USD

XRPI ETF on NASDAQ is trading at $11.64, down 1.15% on the day from a previous close of $11.77. The session range sits between $11.47 and $11.88, while the 52-week range spans $11.08–$23.53. That places XRPI ETF near the lower half of its yearly band, even though the underlying XRP-USD still trades in the middle of its 2025 range.
XRPR ETF is priced at $16.48, down 1.05% from $16.66, with an intraday band of $16.23–$16.75 and a 12-month range of $15.62–$25.99. Average volume of about 48K shares makes XRPR thinner than XRPI, but still institutionally usable.
In the spot market, XRP-USD fluctuates roughly between $1.99 and $2.03, after spending recent weeks in a $2.00–$2.40 corridor and dropping about 18–19% over the past month from peaks near $3.60–$3.65 earlier in 2025. XRPI at $11.64 and XRPR at $16.48 are effectively discounted entries into the same stalled XRP structure.

XRP ETF Ecosystem Size And Locked Supply

Across U.S. listed spot XRP ETFs, cumulative net inflows are now close to $975 million, with total U.S. ETF assets around $1.18 billion and the wider spot XRP ETF landscape exceeding $1.28 billion. That capital translates into more than 670 million XRP warehoused inside regulated vehicles, including about 641.7 million XRP in dedicated XRP funds and an additional 28.2 million XRP via multi-asset index products.
This is not marginal; it is a structural reduction of liquid float. Yet XRP-USD remains pinned near $2.00, underlining the disconnect between capital entering ETFs and the spot price that still trades at a heavy discount to the ~$3.60+ 2025 high.

XRPC, GXRP, XRPZ, TOXR, XRPR And XRPI: Hierarchy Inside The XRP ETF Stack

Within this ecosystem, XRPC has clearly taken the leadership role. It launched in mid-November with about $59 million of first-day trading volume and closed that first session around $250 million AUM. By mid-December, its assets climbed to roughly $343.7 million, with the fund trading close to $21.33.
Other major players include a GXRP product around $38 per share with roughly $215.5 million AUM, a Bitwise XRP ETF near $22 with about $208.7 million AUM, and XRPZ priced around $21.82 holding approximately $175 million. Another large vehicle, TOXR, trades near $19.57, after attracting more than $666 million of inflows in November and now sitting around $239.9 million AUM.
XRPR ETF at $16.48 manages roughly $101.4 million, positioning it as a lower-priced, smaller-AUM satellite inside the same trade. XRPI ETF at $11.64 serves as a liquid NASDAQ-listed exposure point, complementing XRPR on a different exchange and price tier. Alongside these, a diversified fund with around 5.01% XRP weighting worth roughly $56.3 million adds indirect exposure, reinforcing the idea that institutional portfolios are building layered XRP access rather than relying on a single vehicle.

Daily Flow Dynamics: Nineteen Consecutive Inflow Days And Concentrated Winners

On 12 December, U.S. XRP ETFs attracted about $20.17 million of fresh net capital in a single session, taking the inflow streak to 19 consecutive trading days with no outflows recorded since launch. That day’s flows were not evenly distributed. The largest single-session bid went to XRPZ, which absorbed about $8.7 million, followed by a Bitwise XRP ETF at roughly $7.85 million, and XRPC with another $3.62 million despite already being the AUM leader.
Other products held their ground with flat or marginal flows, but the key signal is that capital is entering the complex, not rotating out, and investors are choosing specific tickers based on perceived strength, liquidity, cost, or brand. For XRPI ETF and XRPR ETF, this environment means they sit inside a net-buying ecosystem backed by an almost uninterrupted stream of institutional and semi-institutional demand.

XRP-USD Sentiment: Extreme Fear, Bullish Chatter And A $2 Battlefield

While XRP-USD trades around $2.00, sentiment metrics mark the backdrop as “extreme fear”, with this week ranking among the highest periods of bullish social commentary this year. Discussion across major crypto communities shows a surge in positive XRP mentions even as the token drifts between roughly $1.99 and $2.17.
The market remains split: one side reads the current structure as a slow bleed within a descending channel; the other sees heavy pessimism near a clear psychological floor as classic accumulation territory. For investors in XRPI and XRPR, the main point is that sentiment is structurally better than price action suggests. The pressure is on the chart to confirm what the social and flow data are already hinting at.

XRP-USD Technical Structure: Descending Channel, Support Levels And Breakout Triggers

Technically, XRP-USD is stuck in a downward-sloping band. Bounces into the $2.20–$2.40 area are consistently sold, defining lower highs and confirming a descending channel. Key levels are clear:
Immediate support concentrates around $2.00–$2.05. A clean breakdown opens the path toward $1.93–$1.95, then $1.83, and potentially $1.72–$1.83 if broader crypto risk sentiment sours.
On the upside, near-term resistance stands at $2.15–$2.20, with a more meaningful supply zone at $2.30–$2.40 where multiple models mark mid-channel resistance and likely profit-taking. A TD Sequential 9 setup has appeared near $2.09, suggesting potential trend exhaustion after the recent pullback, but that signal is only credible if price reclaims $2.20–$2.28 with volume.
Trend tools such as Supertrend and Parabolic SAR still lean bearish, and derivatives activity has cooled, confirming that sellers remain in control but are pressing against a well-defined floor. XRPI and XRPR mirror this structure: they are cheap in their 12-month ranges, but they need a decisive break of these resistance bands before any sustained rerating.

Flows Versus Price: Nearly $1 Billion Into ETFs, XRP-USD Still Around $2

The core tension is between flows and spot pricing. U.S. XRP ETFs have accumulated about $974.5–$975 million of net inflows in less than a month, with 19 straight positive days, total XRP ETF AUM around $1.18 billion, and more than 670 million XRP locked in regulated structures. Despite that, XRP-USD is pinned close to $2.00, roughly 18.6% lower over the last 30 days and well below the ~$3.60–$3.65 high of 2025.
This indicates that while ETF demand is strong enough to prevent a deeper breakdown, it is not yet strong enough to overpower ongoing spot selling, profit-taking and macro-driven de-risking. For XRPI ETF at $11.64 and XRPR ETF at $16.48, the trade today is accumulation into weakness, not momentum at breakout levels. The structural bid is there; the price has not caught up.

Regulatory Reset: SEC Case Closure And Secondary Market Clarity

The legal overhang that once defined XRP-USD has decisively changed. The multi-year enforcement process ended this year with a joint dismissal of cross-appeals between the regulator and Ripple, leaving in place a civil penalty and compliance obligations on institutional sales but effectively resolving the central question around the status of XRP in secondary trading.
Crucially, the outcome confirmed that XRP used in secondary markets is not treated as a security, while specific institutional transactions are subject to securities rules. That distinction is exactly what enabled the launch of U.S. XRP ETFs, the relisting of XRP on key exchanges, and the willingness of large issuers and institutional allocators to deploy nearly $1 billion into XRP products.
For XRPI ETF and XRPR ETF, this legal backdrop reduces binary regulatory risk and recasts them as instruments exposed primarily to market, adoption and macro factors, not to existential enforcement uncertainty.

Institutional Stack: $1 Billion GTreasury Deal And Corporate Flows

The $1 billion acquisition of GTreasury is arguably the most important fundamental catalyst currently underpriced in XRP-USD, XRPI ETF and XRPR ETF. GTreasury services more than 800 corporate clients across 160 countries, connects with approximately 13,000 financial institutions, and processes around $12.5 trillion in annual payments, a figure that can represent up to 15% of global cross-border flows under its own metrics.
By embedding Ripple’s liquidity tools and XRP-driven rails into GTreasury’s platform, corporate treasurers gain access to on-demand cross-border liquidity and real-time settlement directly from the systems they already use. This transitions XRP infrastructure from an external crypto add-on into embedded financial plumbing for treasury departments.
Combined with earlier acquisitions of liquidity, brokerage and institutional access platforms, the result is an end-to-end stack that channels corporate and financial-institution flows into on-chain settlement, with XRP-USD as the liquidity backbone and XRP ETFs as capital-markets wrappers for that infrastructure.

Payments, Remittances And RLUSD: Real-World Usage Beyond Trading

On the consumer and remittance side, integration with payment platforms is expanding XRP’s footprint where it matters: real transfers. A key corridor now allows users to send assets such as XRP, USDC, USDT, BTC and ETH and have recipients in Nigeria receive NGN directly into bank accounts within minutes. This replaces traditional remittance rails that often charge 6% or more in fees and settle in up to five business days.
At the same time, the RLUSD stablecoin has become a critical component in experiments with card and bank settlement. In one flagship pilot, RLUSD is used as a settlement asset for a major credit card program, clearing transactions on the XRP Ledger. RLUSD is issued under a trust charter, backed by cash and cash-equivalent reserves, and has surpassed $1 billion in circulation, driven by cross-border use and DeFi integrations.
These developments matter because they tie XRP infrastructure directly to remittances, card payments and working-capital flows. For XRPI ETF and XRPR ETF, they underpin the argument that the underlying token is gradually shifting from speculative asset to transactional backbone, even if the spot price does not yet reflect that transition.

Macro And Cross-Asset Comparison: Bitcoin, Ethereum, Dogecoin And XRP ETFs

The ETF flow picture across major crypto assets highlights how unusual XRP ETF behavior is right now. Bitcoin spot ETFs recently logged three consecutive positive days with inflows of about $150 million, $237.44 million and $49.16 million, yet broader demand remains subdued after a 25 bp rate cut that failed to ignite a fresh risk-on rally. Bitcoin trades around $88,000–$90,000, and risk appetite is cautious.
Ethereum products showed $19.41 million of net outflows on 12 December, with only one major ETH vehicle attracting about $23.25 million while the rest bled. Even so, total weekly inflows into ETH after a long outflow streak suggest shifting interest, but the picture is mixed rather than decisively bullish.
Dogecoin products have struggled. Dogecoin ETFs saw no new inflows between 7 and 9 December, while trading volume collapsed to roughly $159,000, down sharply from more than $3.2 million in late November. That points to fading speculative enthusiasm.
Against this backdrop, XRP ETFs stand out with 19 straight inflow days and roughly $974.5 million of cumulative net inflows. XRPI at $11.64 and XRPR at $16.48 are plugged into the only large altcoin ETF segment enjoying unbroken net buying despite flat price and a still-fragile macro environment.

Risk Analysis For XRPI ETF, XRPR ETF And XRP-USD

The risk profile is clear and needs to be acknowledged head-on.
On the price side, a sustained break below $2.00 on XRP-USD, confirmed by volume and a failure to quickly reclaim $2.05–$2.10, exposes the token to the $1.93–$1.95 range, then $1.83, and possibly $1.72–$1.83 if broader crypto selling accelerates. That would drag XRPI ETF closer to the bottom of its $11.08–$23.53 range and pressure XRPR ETF toward its $15.62 low or worse.
On the flow side, the 19-day inflow streak will eventually end. Once flows flatten or flip negative, the same vehicles that have been absorbing supply can become forced sellers, particularly if leveraged players use ETF units as collateral or directional exposure.
On the macro side, crypto remains tied to global liquidity, rate expectations and equity-market sentiment. A renewed leg down in risk assets, especially from Bitcoin above $88,000, could trigger cross-asset de-risking that hits XRP-USD, XRPI ETF and XRPR ETF regardless of GTreasury, RLUSD or remittance fundamentals.
Finally, execution risk remains. If the $12.5 trillion GTreasury pipeline, African corridors and RLUSD pilots fail to translate into visible transaction growth and measurable volume on XRP rails, the current narrative of underpriced infrastructure weakens and reverts to a pure ETF-and-sentiment story.

Investment Stance On XRP-USD, XRPI ETF And XRPR ETF

Fact pattern is straightforward:
XRP-USD trades around $2.00, roughly 45% below its ~$3.60–$3.65 high of 2025.
XRPI ETF at $11.64 and XRPR ETF at $16.48 sit in the lower half of their $11.08–$23.53 and $15.62–$25.99 yearly bands.
Nearly $975 million of fresh capital has flowed into U.S. XRP ETFs across 19 consecutive days, building a $1.18 billion ETF base and locking up 670+ million XRP.
The SEC overhang is resolved, the $1 billion GTreasury deal plugs XRP into $12.5 trillion of annual corporate payments, remittance rails are live in markets like Nigeria, and RLUSD has crossed $1 billion in circulation as settlement infrastructure.
At the same time, the chart is not yet confirming a bullish reversal, and downside levels below $2.00 remain in play.
Taken together, this supports a bullish bias with a clear risk band. For investors who accept crypto volatility and can tolerate a potential drawdown into the $1.83–$1.72 zone on XRP-USD, XRPI ETF and XRPR ETF justify a speculative Buy stance, anchored on the combination of structural ETF demand, institutional integration and legal clarity.
For more cautious capital, the appropriate stance on XRPI and XRPR is Hold with tight sizing: maintain exposure to the ETF-driven accumulation and infrastructure story, but size positions as if a break below $2.00 and a retest of deeper support is still a realistic scenario before any sustained move back toward the $2.30–$2.40 zone or another test of the $3.00+ region on XRP-USD.

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