XRP News Today: XRP ETFs Soar, But Token Fails $2.20 Resistance

Ripple's XRP has surged nearly 8% following the launch of multiple spot ETFs, including offerings from Franklin Templeton and Grayscale, which recorded $164 million in single-day inflows. Despite this rally, the token remains down year-to-date, raising questions about the disconnect between institutional adoption and broader market sentiment. The ETFs, which began trading on November 24, have drawn significant capital, with Grayscale's GXRP and Franklin Templeton's XRPZ leading with $67.36 million and $62.59 million in inflows, respectively according to data. This momentum has pushed total XRP ETF assets to $622 million across four products, outpacing Solana's month-long inflow total of $568 million.

The ETF launches mark a pivotal shift for XRP, which had long been overshadowed by Bitcoin and Ethereum in institutional portfolios. Franklin Templeton's XRPZ, with a 0.19% fee waived until May 2026 for the first $5 billion in assets, has positioned the token as a low-cost alternative for investors. Analysts note that the aggressive pricing strategy, coupled with Grayscale's fee waivers, has attracted sidelined capital waiting for regulated access to XRP. However, the token's price action has not fully aligned with the inflows. While XRP briefly reclaimed $2.05 in early November according to reports, it remains below its 100-day moving average and has failed to break above $2.20, a key resistance level according to analysis.

The ETF-driven optimism contrasts with broader market dynamics. XRP's market capitalization at $135 billion still lags behind Bitcoin and Ethereum, and ETF assets account for just 0.5% of its total value compared to 6.54% for Bitcoin funds according to data. Technical indicators also suggest lingering bearish pressure, with the token forming lower highs and lower lows despite on-chain data showing increased ETF absorption of legacy supply according to reports. Meanwhile, Ripple's stablecoin, RLUSD, has seen a 56% surge in 30-day transaction volume to $3.5 billion, hinting at growing utility beyond ETFs according to analysis.

The regulatory landscape further complicates XRP's trajectory. The SEC's August 2025 settlement with Ripple, which ruled that secondary XRP sales are not securities, removed a major overhang but did not immediately translate to sustained price gains. By contrast, Bitcoin ETFs saw multi-billion-dollar inflows months after launch, fueling prolonged bull runs according to data. XRP's ETFs, while successful, face a steeper path to similar adoption, as they must compete with entrenched narratives around Bitcoin and Ethereum.

Looking ahead, analysts project XRP ETFs could reach $2 billion in assets by year-end if fee waivers attract institutional allocators and outflows from underperforming assets persist according to reports. A cumulative $1 billion inflow day-projected to require $83 million per fund-could absorb over 2.2 billion XRP in under seven days, according to crypto analyst Chad Steingraber according to analysis. Yet, with XRP still trading below $2.20 and open interest in futures markets at $4 billion according to data, the market remains cautious. The token's ability to convert ETF-driven demand into sustained price momentum will depend on whether institutional inflows outpace selling pressure from legacy holders and macroeconomic headwinds.