November 2025 XRP ETF Inflows Update: $587M Milestone and What It Means for XRP's $3 Target
The XRP ETF frenzy has hit fever pitch in late November 2025, with U.S. spot products shattering expectations just days after their launches. As of November 25, cumulative net inflows across the four live U.S. spot XRP ETFs have surged to $587 million—a 40% jump from the $422 million mark earlier in the week, driven by blockbuster debuts from Grayscale and Franklin Templeton. This eclipses Solana's $568 million in altcoin ETF inflows since October, positioning XRP as the undisputed leader in non-Bitcoin/ETH crypto funds amid a broader market cooldown (Bitcoin down 4% weekly, Ethereum flat).
On November 24 alone—the first trading day for Grayscale's GXRP and Franklin Templeton's XRPZ—these two funds pulled in a combined $164.1 million in net inflows, outpacing daily flows for BTC (-$151M), ETH (+$97M), and SOL (+$58M) ETFs. Grayscale snagged $67.4 million, while Franklin Templeton drew $62.6 million, pushing total assets under management (AUM) to $628.6 million across issuers like Canary Capital and Bitwise. This isn't retail FOMO—it's institutional conviction, with exchange balances dropping 15% (signaling accumulation) and on-chain data showing 80 million+ XRP moved to Coinbase custody for ETF vaults.
XRP's price? Hovering at $2.19 (down 0.9% intraday but up 15% weekly), it's defying gravity amid the ETF hype while testing $2.28 resistance—a level that, if broken, could ignite the long-awaited push to $3. Analysts at JPMorgan now forecast $8 billion in XRP ETF inflows over the next 12 months, fueled by fee waivers (Franklin's 0% until $1B AUM) and regulatory green lights post-Ripple's SEC settlement. But can this momentum propel XRP to $3 by year-end, or will macro headwinds (Fed rate pause, $4.9B crypto outflows overall) cap the rally? Let's break it down.ETF Inflow Breakdown: Who's Leading the Charge?The "fee war" is in full swing, with U.S. spot ETFs locking up XRP at a blistering pace—255 million tokens vaulted so far (0.4% of circulating supply), per real-time trackers like xrp-insights.com. Canary Capital's XRPC remains the volume king, but newcomers are stealing the show. Here's the latest as of November 25:
The $587 million milestone in under two weeks confirms XRP ETFs are the hottest altcoin story of 2025 — and the inflows are still accelerating. $3+ by year-end is very much in play.
On November 24 alone—the first trading day for Grayscale's GXRP and Franklin Templeton's XRPZ—these two funds pulled in a combined $164.1 million in net inflows, outpacing daily flows for BTC (-$151M), ETH (+$97M), and SOL (+$58M) ETFs. Grayscale snagged $67.4 million, while Franklin Templeton drew $62.6 million, pushing total assets under management (AUM) to $628.6 million across issuers like Canary Capital and Bitwise. This isn't retail FOMO—it's institutional conviction, with exchange balances dropping 15% (signaling accumulation) and on-chain data showing 80 million+ XRP moved to Coinbase custody for ETF vaults.
XRP's price? Hovering at $2.19 (down 0.9% intraday but up 15% weekly), it's defying gravity amid the ETF hype while testing $2.28 resistance—a level that, if broken, could ignite the long-awaited push to $3. Analysts at JPMorgan now forecast $8 billion in XRP ETF inflows over the next 12 months, fueled by fee waivers (Franklin's 0% until $1B AUM) and regulatory green lights post-Ripple's SEC settlement. But can this momentum propel XRP to $3 by year-end, or will macro headwinds (Fed rate pause, $4.9B crypto outflows overall) cap the rally? Let's break it down.ETF Inflow Breakdown: Who's Leading the Charge?The "fee war" is in full swing, with U.S. spot ETFs locking up XRP at a blistering pace—255 million tokens vaulted so far (0.4% of circulating supply), per real-time trackers like xrp-insights.com. Canary Capital's XRPC remains the volume king, but newcomers are stealing the show. Here's the latest as of November 25:
- Canary Capital XRP ETF
Ticker: XRPC
Launch date: November 13, 2025
Cumulative inflows: $278 million
Current AUM: $337.6 million
XRP locked: 149.33 million
Expense ratio: 0.20% (waived on first $500M)
→ Still the undisputed leader in liquidity and early dominance - Bitwise XRP ETF
Ticker: XRP
Launch date: November 20, 2025
Cumulative inflows: $118 million
Current AUM: $152.3 million
XRP locked: 67.40 million
Expense ratio: 0.34% (0% for first month on first $500M)
→ Fastest-growing newcomer this week - Franklin Templeton XRP ETF
Ticker: XRPZ
Launch date: November 24, 2025 (yesterday)
Day-one inflows: $62.6 million
Cumulative inflows: $62.6 million
Expense ratio: 0.19% (0% fee until $1 billion AUM)
→ Lowest-fee spot crypto ETF ever launched - Grayscale XRP ETF
Ticker: GXRP
Launch date: November 24, 2025 (yesterday)
Day-one inflows: $67.4 million
Cumulative inflows: $67.4 million
Current AUM: ~$13.5 million
XRP locked: 6.02 million
Expense ratio: 0.35% (0% for first 3 months or until $1B)
→ Strong institutional pipeline already kicking in - REX-Osprey XRP ETF (earlier wave)
Ticker: XRPR
Launch date: September 18, 2025
Cumulative inflows: ~$122 million
Current AUM: $128.5 million
XRP locked: 32.54 million
Expense ratio: 0.75%
→ The “grandfather” of the current boom
The $587 million milestone in under two weeks confirms XRP ETFs are the hottest altcoin story of 2025 — and the inflows are still accelerating. $3+ by year-end is very much in play.
The $3 Target: ETF Inflows as the Ultimate CatalystXRP's path to $3 isn't hype—it's math. At current prices (~$2.19), hitting $3 requires a 37% rally, translating to ~$170 billion in added market cap (from $125B today). ETF inflows are the spark: Bitcoin's 2024 launches drove a 60% price surge on $15B+ flows; Ethereum's added 40% on $10B. XRP's $587M milestone (in just 11 days) already outpaces Solana's early run, with analysts like those at LBank Labs calling it a "regulatory edge" for 33% upside.
Bull Case ($3 by Dec 2025, 50–70% Probability):
Watch November 26–28: 21Shares' TOXR launch could add $50–100M Day 1, testing $2.36 en route to $3. XRP's resilience? A $3 target feels inevitable—DYOR, but the inflows don't lie. What's your play?
Bull Case ($3 by Dec 2025, 50–70% Probability):
- Inflow Projections: $10–15B cumulative by mid-2026 (JPMorgan's $8B baseline + fee wars). If XRP captures 10% of BTC/ETH's $100B+ annual flows, that's $10B—enough for $5–$8 per token, per models factoring 60B circulating supply.
- Technicals: RSI at 47 (neutral, room to run); cup-and-handle pattern targets $3.30–$3.80 if $2.28 breaks. On-chain: Whale accumulation up 2.1% (340M XRP added), realized losses at $2 zone absorbing sell pressure.
- Fundamentals: ISO 20022 live (Nov 22) unlocks $250T cross-border payments; Ripple's $500M funding (Citadel-led) and 300+ bank ties amplify utility. ETF approvals (93% odds via Polymarket) could mirror ETH's 48x liquidity boost.
- Macro drag: Fed's dovish hints faded; $4.9B crypto outflows signal risk-off. If inflows slow to $600M/month (per TheCryptoBasic models), price caps at $2.65 end-November.
- Supply risks: 41.5% of holders in loss (Glassnode); monthly unlocks could flood if BTC dominance rises.
- Technicals: Failure at $2.28 retests $2.00 support; 7% dips post-launches show "sell-the-news."
@JayBlessed901
).Broader Implications: From Altcoin King to Global Standard?This isn't just a pump—it's validation. XRP ETFs signal a shift: 80% of future flows to spot products (vs. futures), capturing 90% market share by 2026. For HODLers, it's a "set-it-and-forget-it" era; for institutions, it's $150T payment rails unlocked via ISO 20022 and RippleNet. Risks? Volatility (e.g., Teucrium's 2x warnings) and SEC echoes, but with $8B inflows eyed, the upside dwarfs downsides.Watch November 26–28: 21Shares' TOXR launch could add $50–100M Day 1, testing $2.36 en route to $3. XRP's resilience? A $3 target feels inevitable—DYOR, but the inflows don't lie. What's your play?
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