XRP News Today: Institutional ETFs Could Deplete XRP Supply Sooner Than Anticipated

The XRP market is undergoing a transformation as institutional investors increasingly gain regulated access through newly launched exchange-traded funds (ETFs), prompting analysts to warn that the cryptocurrency's available supply could deplete faster than anticipated. Market analyst Zach Rector, in a detailed study, projected that sustained inflows into XRP ETFs could drive the token's price significantly higher, with scenarios suggesting potential valuations exceeding $168 if capital accumulation mirrors Bitcoin's ETF-driven surge. His analysis, rooted in Bitcoin's 2024–2025 ETF inflow patterns, highlights the potential for XRP to attract comparable institutional interest over a longer timeline, despite current lower capital flows compared to its Bitcoin counterpart.

The recent approval and launch of spot XRP ETFs have marked a pivotal shift in the token's trajectory. Franklin Templeton's XRPZ, which debuted on NYSE Arca on November 24, 2025, saw immediate demand, with XRP's price rising 8.25% on the same day as the fund traded 768,692 shares. This followed similar launches from Bitwise and Canary Capital, with Grayscale set to introduce its GXRP fund, signaling growing institutional confidence. These ETFs offer regulated exposure to XRP, reducing barriers for traditional investors while potentially enhancing liquidity and price stability. David Mann of Franklin Templeton emphasized the fund's role in providing "convenient and regulated access to a digital asset that plays a foundational role in global settlement infrastructure."

Rector's models, however, underscore the urgency for XRP holders to anticipate rapid supply depletion. By extrapolating Bitcoin's $62.25 billion net inflow over 11 months (January–October 2024–2025) and applying a 200X market-cap multiplier, he projected that $50 billion in XRP ETF inflows could push the token's price to $168.This scenario assumes a circulating supply of 60.25 billion tokens and a current market cap of $117.5 billion. While Rector clarified he is not issuing price forecasts, his data-driven approach underscores the sensitivity of XRP's valuation to institutional inflows, particularly as outflows remain modest compared to Bitcoin's volatility.

The broader implications extend beyond price projections. For small and medium enterprises (SMEs) in Europe, enhanced liquidity from XRP ETFs could stabilize the token's value, making it a more viable tool for cross-border transactions and treasury management. Meanwhile, fintech startups in Asia face regulatory challenges as clearer compliance frameworks emerge, potentially driving innovation in crypto payroll systems and cross-border payments. However, risks persist, including concerns about market manipulation by large XRP holders, or "whales," which could distort ETF net asset values and investor confidence.

As the XRP ETF landscape matures, the token's integration into traditional finance appears inevitable. With Franklin Templeton's XRPZ and similar products gaining traction, XRP's role in global financial infrastructure may expand, particularly if institutional inflows mirror Bitcoin's trajectory. Yet, as Rector's analysis suggests, the race to secure XRP's limited supply could accelerate, challenging holders to navigate a rapidly evolving market.