XRP News Today: "J.P. Morgan Maps XRP's $8.4 Billion Institutional Inflow Potential"

J.P. Morgan has released a report projecting the potential capital inflows for a future XRP exchange-traded product (ETP) should it receive regulatory approval. According to the analysis, the bank estimated that XRP could attract between $4.3 billion and $8.4 billion in assets under management in its first year, assuming a 3% to 6% market penetration relative to its current $146.5 billion market capitalization. These figures were derived by benchmarking against existing Bitcoin and Ethereum ETPs, which currently hold assets equivalent to 6% and 3% of their respective market caps. This modeling approach suggests a similar adoption curve could apply to XRP, providing a reference point for institutional demand in a regulated investment context [2].

The report is part of an ongoing effort by institutional investors to assess the potential of XRP as a regulated investment vehicle. With the U.S. Securities and Exchange Commission (SEC) having delayed its decision on several spot XRP ETF applications to mid-October, uncertainty remains about the timeline for market entry. However, J.P. Morgan’s analysis does not assume guaranteed approval but rather outlines the scale of inflows that could occur if such products are approved and gain traction within the first 12 months of launch. The estimated inflows represent a significant capital allocation relative to XRP’s current market cap, underscoring the potential institutional interest in the asset [2].

The report also highlights XRP’s cost efficiency as a factor that could drive institutional adoption. According to J.P. Morgan, the average transaction cost on the XRP Ledger is approximately $0.0004, significantly lower than transaction fees on networks like Ethereum and Bitcoin. This cost advantage could make XRP an attractive option for institutional players seeking to use digital assets for cross-border payments or as a settlement layer in traditional financial systems [2].

In parallel, Ripple, the company behind XRP, continues to expand its presence in global payment networks. In Europe and the United Kingdom, the company is aligning with the latest upgrades to real-time payment systems such as the SEPA Instant Credit Transfer and the Faster Payments Service. These developments could facilitate faster and more cost-effective cross-border transactions, particularly when combined with Ripple’s On-Demand Liquidity solution, which uses XRP as a bridging asset to enable near-instant settlements [3]. Ripple is also collaborating with partners like OpenPayd to integrate these systems, further enhancing the utility of XRP in global financial infrastructure.

In Asia, Ripple is preparing to launch its stablecoin, Ripple USD (RLUSD), in Japan through SBI VC Trade, a subsidiary of SBI Holdings. The stablecoin, which is backed by U.S. dollar deposits and other cash assets, is set to debut in the first quarter of 2026. This move aligns with Japan’s regulatory environment, which is expected to approve its first official stablecoins in the coming months. RLUSD, already with a market cap of $666 million as of August 2025, is projected to play a key role in expanding Ripple’s reach into institutional and retail markets in the region [3].

Meanwhile, Gemini has added another catalyst to XRP’s potential growth trajectory. The firm announced plans to launch an XRP-branded Mastercard, with the first transaction expected to occur on August 25, 2025. The card, issued by WebBank, could allow users to make purchases using XRP or convert their holdings into fiat during transactions. This development is seen as a significant step toward mainstream adoption and may help bridge the gap between crypto and traditional payment systems [3].

Source:

[1] 1 Key Reason Why XRP Lags Behind Ethereum and Other Top Cryptocurrencies (https://www.nasdaq.com/articles/1-key-reason-why-xrp-lags-behind-ethereum-and-other-top-cryptocurrencies)

[2] JP Morgan Releases XRP ETP Opportunity Projection (https://timestabloid.com/jp-morgan-releases-xrp-etp-opportunity-projection/)

[3] Here Are 4 Major XRP Developments You Might Have (https://bitcoinist.com/4-major-xrp-developments/)