XRP News Today: XRP Gains Access to U.S. Retail Investors via Grayscale ETF

In a significant development for the cryptocurrency market, XRP has become accessible to everyday investors through a regulated U.S. investment vehicle. On July 1, 2025, the SEC approved the conversion of Grayscale’s Digital Large Cap Fund (GDLC) into a spot exchange-traded fund (ETF), allowing broad retail access to XRP alongside other major cryptocurrencies such as Bitcoin, Ethereum, Solana, and Cardano.

This approval marks a pivotal moment for XRP, which has faced legal and regulatory challenges since the SEC filed a lawsuit against Ripple Labs in December 2020. The litigation had limited XRP’s availability on major U.S. platforms and cast a shadow over its reputation. However, with the ETF approval, XRP is entering a new era, reclaiming its position in mainstream finance.

Investors no longer need to navigate crypto exchanges or self-custody wallets to gain exposure to XRP. They can now buy shares of the Grayscale Digital Large Cap ETF on NYSE Arca, just like any traditional stock or fund. This development was highlighted by Nate Geraci, president of the ETF Store, who described it as a “full circle moment” after nearly five years of SEC litigation against Ripple.

Grayscale’s ETF will track a diversified portfolio of top cryptocurrencies. Approximately 80% of the fund is allocated to Bitcoin, 11% to Ethereum, and about 4.8% to XRP, with smaller portions allocated to Solana and Cardano. For XRP, even a modest share in a regulated ETF represents a significant advancement, given its previously restricted status during the SEC case. This approval also indicates the SEC’s growing willingness to allow exposure to cryptocurrencies beyond just Bitcoin and Ethereum, especially through multi-asset structures.

Nate Geraci emphasized the importance of this development, noting that for the first time, U.S. investors can access XRP through a fully regulated, SEC-approved product. This provides exposure without the complexities of navigating crypto-specific infrastructure, while also offering tax advantages and simplified portfolio integration. The ETF structure adds an important layer of legitimacy to XRP, sending a strong message to the broader financial market that XRP has passed a major regulatory test and that institutional doors are opening.

Looking ahead, this approval may pave the way for more focused XRP-based investment products in the future. As market demand grows, standalone XRP ETFs could emerge, much like what happened with Bitcoin. Additionally, this move may accelerate similar approvals for other altcoins, especially under a more crypto-friendly regulatory environment. For long-time XRP holders, this milestone represents more than convenience; it’s vindication. After enduring years of uncertainty, the token now stands proudly alongside the industry’s biggest assets in a fund built for traditional investors.

As Geraci aptly put it: “After nearly five years of SEC vs Ripple litigation… full circle moment.” XRP has arrived, marking a significant step forward in its journey toward institutional legitimacy and broader market acceptance.