Spot funds for XRP are back in the spotlight. On Monday, five US XRP ETFs received $25.8 million in net inflows, marking the best daily result since January 5. Back then, the funds had just started trading and attracted $46 million in their first week.
The interest increased not only due to price movement. Ripple is simultaneously advancing several institutional directions: prime brokerage, settlement of tokenized assets, and protecting the XRP Ledger from future quantum threats. Against this backdrop, investors have begun returning to the funds more actively, while ether ETFs lost nearly $17 million over the same period.
Franklin Templeton Takes Half of Inflows
The main volume went to Franklin Templeton XRPZ. The fund attracted $13.6 million in one day, which is more than half of the total inflows to all XRP ETFs.
Bitwise XRP ETF added $7.6 million. Grayscale GXRP received another $4.6 million. Canary XRPC and 21Shares TOXR had no net flows for the day.
Since launch, all spot XRP funds have collected about $1.35 billion in net investments. Their combined assets are estimated at around $1.18 billion, which is about 1.3% of XRP’s market capitalization.
Ripple Prime Gets New Credit Line
One of the main reasons for the increased interest is a Ripple deal in the institutional segment. The company closed a $200 million credit line from funds managed by Neuberger Specialty Finance.
The funds will be directed to the development of Ripple Prime. This is a platform for institutional brokerage services, margin financing, and working with multiple asset classes.
For Ripple, this is an attempt to take a larger role in financial infrastructure. The company wants to operate not only as an issuer of payment solutions, but also as a provider of services for professional market participants.
XRP Ledger Tested With JPMorgan and Mastercard
An additional argument for investors was a test deal with tokenized US Treasury bonds. Ripple announced a pilot redemption of the asset via XRP Ledger together with JPMorgan, Mastercard, and Ondo Finance.
The operation took less than five seconds. For the market, this is an important detail because settlement speed remains one of the key advantages of blockchain infrastructure.
The main point here is not the test itself, but the participants. When a major bank, a payment network, and a tokenized asset provider participate in a pilot, the XRP Ledger starts to be seen as infrastructure for real financial processes, not just as a network for token transfers.
Quantum Protection Becomes Part of Strategy
Ripple also presented a four-stage plan to increase the resilience of the XRP Ledger to quantum threats. The company is preparing the network for a scenario in which future quantum computers can break modern cryptographic algorithms.
The roadmap includes a transition to quantum-resistant accounts and emergency fund recovery mechanisms through zero-knowledge proofs. This should reduce risks if a technological breakthrough happens faster than expected.
For institutional participants, this topic is becoming increasingly important. Banks and funds are evaluating not only the current speed of the network but also its readiness for long-term threats.
XRP Rises More Slowly Than Fund Interest
Despite inflows into ETFs, the token itself remains under pressure. XRP is trading around $1.47 and is still about 39% below its level six months ago.
It is also far from the July 2025 high of about $3.65. This creates a gap between interest in Ripple’s infrastructure story and the current price dynamics.
For investors, this situation may seem ambiguous. On one hand, the weak price leaves room for recovery. On the other, the market has not yet confirmed a strong reversal for the token itself.
Altcoin ETFs Repeat Bitcoin’s Scenario With a Lag
The market is now moving according to a familiar pattern. First, capital concentrates in bitcoin ETFs, then some of the funds start moving into the largest altcoins.
Bitcoin funds are heading for a seventh consecutive week of net inflows and have already attracted more than $3.4 billion during this period. Against this backdrop, XRP is getting some attention as one of the most liquid alternative assets.
Ether is still lagging. Outflows from ETH ETFs show that investors are not choosing all major altcoins equally, but are looking for individual stories with a clear institutional narrative.
What This Means for the Market
The $25.8 million inflow into XRP ETFs shows that interest in the asset is returning after a weak period. More importantly, the demand coincided with news about the development of Ripple Prime, tokenization of Treasury bonds, and preparations for quantum risks in the XRP Ledger.
This makes XRP a more complex story than just a bet on price growth. The market is starting to evaluate it as part of the infrastructure for settlements, tokenized assets, and institutional services.
But for sustainable movement, a single ETF inflow is not enough. XRP needs to confirm interest through price, volumes, and further Ripple deals with major financial players.
What’s Next?
The key question is whether XRP ETFs can maintain inflows after a one-time surge. If the funds continue to receive capital, this will strengthen the case for a recovery in demand.
For XRP itself, levels above the current range and the market’s reaction to the next Ripple news are important. If the institutional story continues, the token may begin to catch up with interest in the funds.
For now, XRP remains in a transitional phase. ETFs are already showing a return of capital, but the price has not yet confirmed a full reversal.
Read more: Privacy Becomes the New Bet for the Crypto Market
