XRP ETF Inflows Hit $1.5B Despite 43% Year-to-Date Decline

• XRP trades near $1.07, marking a 43% year-to-date decline, while cumulative inflows exceeding $1.5 billion.
• Monthly momentum hits a 13-year low, yet exchange supply sits at a seven-year low, constraining immediate selling pressure.
• The CLARITY Act remains stalled in the Senate, delaying a potential regulatory shift from the SEC to the CFTC.
• Institutional inflows persist through Bitwise and Franklin Templeton, despite 90% contraction in monthly creation activity since May.
• August historically presents a losing streak for XRP, though cooling leverage and reduced open interest suggest improved market stability.",

XRP is currently trading between $1.06 and $1.08, reflecting a significant 43% decline in value for the year. The asset is testing a long-term support level that has historically attracted buyers, even as the 200-day exponential moving average continues to slope lower. Despite the bearish price action, spot XRP ETFs have recorded $14.86 million in net inflows over the past week.

Bitwise led these inflows with $10.15 million, bringing its cumulative total to $511 million. Franklin Templeton added $4.70 million, reaching a cumulative total of $426 million. July saw $27.29 million in inflows, marking the fourth consecutive month of positive flows.

US-listed XRP spot ETFs have now reached $1.5 billion in cumulative net inflows. However, total net assets across the seven products stand at $988.7 million. The $511 million gap between lifetime inflows and current assets reflects valuation losses rather than investor redemptions.

What Are the Key Technical and Historical Trends for XRP in August?

XRP enters August carrying a four-year losing streak, having finished every August in the red since 2022. The token fell 13.6% in 2022, 26.6% in 2023, 9.17% in 2024, and 8.15% in 2025. Despite this recent negative trend, historical data shows August is XRP's flattest month on average.

Crypto analyst Cryptollica noted that XRP’s monthly momentum has reached its weakest level in over 13 years. This level is deeper than corrections seen in 2014, 2018, 2020, and 2022. The token is currently testing a long-term support level that has historically attracted buyers.

Technical indicators present a mixed picture. XRP’s RSI sits at 45.73 on the daily chart, indicating a neutral rather than oversold state. The token trades below its 50-period and 100-period moving averages on the 4-hour chart.

A close above $1.093 could target $1.116, while the 200-day EMA near $1.397 remains a significant resistance level. Exchange supply is currently at a seven-year low, suggesting that selling pressure is constrained.

Analysts expect XRP to spend August in a range-bound environment, with prices likely staying between $1.00 and $1.18. The lack of immediate price-moving catalysts is a key factor in this consolidation. The vote on the CLARITY Act and the Federal Reserve rate decision have both been pushed to September.

How Is Institutional Demand Shaping XRP ETF Flows?

Cumulative inflows into XRP-related exchange-traded funds have exceeded $1.5 billion. This milestone underscores growing institutional confidence and demand for XRP through regulated investment vehicles.

Monthly creation activity has slowed dramatically. Net inflows dropped from $131 million in May to $59 million in June and approximately $12.3 million in July. This represents a contraction of more than 90% over two months.

Six sessions in July showed no net creations. Bitwise leads the category with roughly $500 million in cumulative inflows, followed by Canary Capital at $467 million and Franklin Templeton at $422.4 million.

These top three issuers account for 93% of the category’s lifetime creations. They collectively hold about 978.9 million XRP.

Base-case modeling suggests cumulative inflows may reach only $1.55 billion by the fourth quarter. A legislative breakthrough, specifically the CLARITY Act, could lift monthly creations above $100 million.

The CLARITY Act, which would establish XRP as a commodity under CFTC oversight, remains off the Senate floor schedule. Senate action was delayed, and supporters require additional Democratic votes before the August 7 recess.

Supply pressure persists as Ripple’s monthly escrow release adds up to 1 billion XRP to the market. Roughly 200–300 million XRP enters circulation monthly, adding to the supply dynamics.

Derivatives data presents a mixed picture as well. Long-short account ratios on Binance and OKX suggest retail traders are betting on a price rise. However, top traders on Binance show a more cautious ratio of 1.60 by position size.

On-chain adoption metrics continue to grow. The XRPL crossed 8 million non-empty wallets, while Ethereum surpassed 200 million. This growth occurs despite flat price action, suggesting increasing network usage independent of short-term speculation.