XRP News Today: XRP ETFs Attract $164M as Investors Weigh Simplicity vs. Custody Risks

XRP (XRP) surged 8% to $2.08 on November 24, 2025, as newly launched exchange-traded funds (ETFs) attracted $164 million in inflows, marking a pivotal moment for the third-largest cryptocurrency. The rally followed the debut of Franklin Templeton's XRPZ and Grayscale's GXRP ETFs, which began trading on Robinhood and NYSE Arca, respectively. These products, alongside Bitwise's XRP ETF, have drawn significant institutional and retail capital, with XRP-focused funds reporting $179.6 million in inflows this week alone-contrasting with $1.94 billion in outflows across the broader crypto market.

The ETF launches have intensified debate among investors about optimal exposure strategies. Experts highlight that while ETFs offer simplicity and liquidity, they come with management fees and no direct asset ownership. Conversely, holding XRP natively provides full utility and lower long-term costs but requires navigating custody risks and tax complexities. Analysts defending XRP's fundamentals argue that recent price corrections-down 45% from recent highs-are overblown, citing growing institutional adoption and regulated trading infrastructure.

Grayscale's GXRP ETF, which began trading on NYSE Arca with a temporary 0% fee, has already amassed $423 million in cumulative inflows as of November 21. The fund holds over 6 million XRP tokens and mirrors a broader trend of asset managers converting private trusts into public ETFs to meet demand for altcoin exposure. Competitors like Franklin Templeton and Bitwise have also entered the space, with the latter's XRP ETF seeing $11 million in daily inflows on November 21. CME Group announced plans to launch spot-quoted XRP and Solana (SOL) futures on December 15, aiming to provide institutional investors with hedging tools amid rising ETF activity.

Market dynamics suggest XRP's ETF-driven rally could extend further. Zach Rector, a crypto commentator, modeled scenarios where ETF inflows could push XRP to $40–$168 by leveraging Bitcoin's historical performance post-ETF launch. Using a 46X market-cap multiplier observed in Bitcoin's ETF-driven surge, Rector projected that $50 billion in XRP ETF inflows-feasible over several years-could elevate the token to triple digits. Such projections gain credibility as JPMorgan and Canary Capital anticipate initial inflows of $4–10 billion within months.

However, volatility persists. Despite the ETF optimism, XRP's price dipped 8%–9% following Canary Capital's XRPC ETF launch, which pulled in $250 million on November 13. The decline highlighted the delicate balance between inflows and derivative market liquidations, with 28 million in XRP positions unwound in the first 24 hours. Analysts attribute the pullback to profit-taking and broader crypto market corrections, noting that Bitcoin ETFs recorded $3.1 billion in outflows this month as retail investors retreated.

The XRP ETF landscape continues to evolve. With CME's futures and additional ETFs from firms like Leverage Shares entering the fray, the asset's institutional profile is strengthening. Yet challenges remain, including regulatory uncertainties and the need for sustained inflows to counteract periodic outflows. For now, XRP's price rebound from key support levels and the $164 million influx into ETFs signal growing confidence in its role within a diversified crypto portfolio.