XRP News Today: Institutional Onboarding Sparks XRP Ledger's Record Configuration Surge

The XRP Ledger experienced an unprecedented surge in activity in late November 2025, with over 40,000 AccountSet transactions recorded-the highest level in years. This spike, coupled with a sharp rise in AMM Bid transactions, has sparked speculation about institutional onboarding and liquidity positioning on the network. Analysts note that the pattern resembles network preparation rather than retail behavior, with custodians, market makers, or automated systems likely configuring accounts at scale. The activity persisted even after BitGo ended its batch updates, suggesting new participants are entering the ecosystem.

The surge coincided with the launch of multiple spot XRP ETFs in the U.S., which have driven record inflows. Canary Capital's XRPC ETF alone surpassed $336 million in assets, outpacing all competing products, while cumulative inflows across XRP ETFs reached $644 million by mid-December. These funds, including offerings from Bitwise, Grayscale, and Franklin Templeton, provide institutional investors with regulated access to XRP, a key asset for the XRP Ledger's settlement and value-transfer functions. The inflows have also pushed Canary's broader ETF suite above $400 million in assets, reflecting growing institutional confidence in crypto instruments https://api.news.bitcoin.com/wp-json/bcn/v1/post?slug=canarys-xrp-titan-breaks-records-as-xrp-etf-demand-explodes.

The surge in XRP demand is indirectly linked to the ledger's configuration activity. Large ETF inflows necessitate custodians to expand storage infrastructure, reconfigure wallets, and prepare for higher settlement volumes-processes that involve AccountSet transactions. Additionally, AMM Bid activity suggests liquidity providers are securing early positions in automated market-maker pools, a move that aligns with broader developments like RLUSD approvals and institutional onboarding.

Despite the ETF-driven optimism, XRP's on-chain transaction volume has remained subdued, even as RippleNet expanded to over 300 banking partners https://finance.yahoo.com/news/300-banks-ripplenet-xrp-transaction-145518581.html. This divergence is attributed to banks' optional use of XRP for settlement, with many relying solely on RippleNet's infrastructure without token usage. However, the launch of regulated stablecoins like RLUSD could bridge this gap by enabling institutions to test corridors without exposure to XRP's price volatility.

Looking ahead, analysts are cautiously optimistic. Sustained ETF inflows could strengthen XRP's role in institutional portfolios, while RLUSD adoption may drive production-level settlement in key corridors by mid-2026 https://finance.yahoo.com/news/300-banks-ripplenet-xrp-transaction-145518581.html. The staggered ETF launches also create continuous market catalysts, unlike the consolidated Bitcoin ETF debut in early 2024. If institutional demand persists, XRP could see renewed utility-driven price appreciation, though volatility remains a risk in the short term.