XRP News Today: XRP ETFs vs. Whale Selling: Price Dives 12% Despite $245M Inflows

The recent surge in XRP-focused exchange-traded funds (ETFs) has failed to shield the cryptocurrency from sharp price declines, as institutional inflows clash with aggressive selling by large holders. Ripple (XRP-USD) traded at $2.23 as of November 22, 2025, down over 12% from its recent peak amid a wave of whale liquidations totaling more than 200 million tokens within 48 hours of the first XRP ETF's debut according to analysis.

The ETF frenzy began with the launch of Canary Capital's XRPC fund on November 13, followed by Amplify and Franklin Templeton's offerings by November 18. These products generated $245 million in combined inflows, with Canary's fund alone attracting $58 million in first-day volume. Despite this, XRP's price plummeted immediately after the launches, echoing Bitcoin's post-ETF slump in 2024. Analyst Eric Balchunas noted that XRPC outperformed 900 ETF debuts this year but warned that the "sell-the-news" reaction highlights market fragility.

The tension between institutional demand and short-term selling pressure has created a "price dislocation," according to the XRPL Foundation. While ETFs represent genuine long-term interest, their T+1 settlement cycles and over-the-counter (OTC) accumulation strategies delay on-chain visibility of buying pressure. This lag has allowed whale outflows-exacerbated by Bitcoin's 5% drop below $90,000- to dominate the immediate price action.

Market analyst Zach Rector has proposed a range of price scenarios for XRP, assuming ETF inflows mirror Bitcoin's 2024–2025 trajectory. Using a 46X market-cap multiplier observed during Bitcoin's ETF cycle, Rector calculated that $5 billion in XRP ETF inflows could push the token to $6, while $50 billion in net capital might drive it toward $168. However, Rector emphasized these are not forecasts but models based on historical data, noting that XRP's lower current capital flows make it more susceptible to ETF-driven volatility compared to Bitcoin.

The XRPL Foundation projects that steady ETF accumulation-$600 million monthly via OTC channels- could expand XRP's market cap by $720 billion, potentially pushing its price toward $14 under favorable liquidity conditions. Yet, this scenario hinges on sustained institutional demand and regulatory stability, as multiple ETF issuers-including Bitwise, 21Shares, and Grayscale-prepare to list their own XRP products.

Franklin Templeton's XRPZ ETF, approved for trading on the NYSE, has added credibility to the asset class, joining Grayscale's GXRP and Bitwise's XRP funds in regulated markets according to CoinCentral. Grayscale's XRP Trust ETF, launched on November 24, waived its 0.35% management fee for three months, intensifying competition with Franklin Templeton's 0.19% fee. This "fee war" underscores growing institutional confidence but also highlights the need for XRP to differentiate itself in a crowded ETF landscape.

Technically, XRP faces resistance at $2.22, $2.60, and $3.00, with bulls hoping to stabilize the token above $2.13 after a 18% monthly decline according to CoinCentral. The Relative Strength Index (RSI) at 39 suggests tentative buying interest, though momentum remains muted according to CoinCentral.

While XRP ETFs represent a milestone for institutional adoption, their impact on price remains mixed. The XRPL Foundation and analysts agree that meaningful price gains will take weeks to materialize, as ETF inflows filter through OTC channels and on-chain metrics. For now, XRP's trajectory hinges on balancing short-term selling pressure with long-term capital inflows-a challenge that could define the token's next phase.