Franklin Templeton’s XRP spot ETF has achieved a notable milestone. The fund holds 101.5 million XRP, valued at approximately $192.7 million. This marks the first time that the fund has ever surpassed the 100 million token threshold. The fund has crossed the 100 million token threshold since its launch. The trend indicates a rising institutional interest in the asset through regulated avenues for investment.
With the ETF, investors do not have to worry about buying or holding the token directly to get exposure to XRP. This particular arrangement draws attention from traditional investors who are looking for some crypto exposure while avoiding custody, security, and operational risks. Franklin Templeton, managing more than $1.5 trillion in assets, is marking its strong institutional presence in the crypto space.
XRP ETFs See Steady Demand
ETFs oriented toward XRP consistently experience large capital inflows. The total assets under management of these funds now exceed the mark of $1 billion. From their launch in the middle of November, the XRP ETFs have always drawn buyers without any interruption, while the Bitcoin and Ethereum ETFs have experienced more fluctuating flows. Periodically, large outflows are experienced by the Bitcoin ETFs, while the Ethereum products are still not able to create any excitement, but the XRP funds continue to attract the interest of investors steadily.
The daily net inflow for the U.S. XRP spot ETF is $8.19 million, according to data from Sosovalue (updated as of 23 December 2025). Ripple collaborates with banks and financial institutions in over 40 countries. A significant number of these organizations are either testing or employing Ripple’s technology for more economical and quicker international transfers. This actual use case makes XRP very different from the others in the cryptocurrency realm.
Regulatory Clarity Supports Growth
Improved regulatory clarity is the primary driver of increased institutional confidence. The U.S. court decision in 2023 ruled that XRP sales on public exchanges are not securities transactions, which minimizes legal risk and significantly removes a major hurdle for conventional investors.
Thus, the introduction of XRP-based investment products is the reason why professional investors gradually enter the market. The XRP ETF of Franklin Templeton is a clear signal of the asset’s regulatory position and the inclination of traditional financial institutions to adopt XRP as one of the ordinary investment options.
Why Investors Choose ETFs
ETFs provide a well-known and straightforward approach to the cryptocurrency market. These are accessible on traditional trading platforms and are compatible with traditional brokers, which ensures simple tax reporting. These features offer the investors the ability to safeguard their cryptocurrencies without the need to manage the keys.
This arrangement opens up the possibility of retail and institutional investment in XRP through the use of pension funds, retirement accounts, and conservative portfolios. Professional custodians take care of security, allowing investors to focus on how to best manage their portfolio instead of worrying about the technical details.
XRP Ecosystem Continues to Expand
XRP’s ecosystem has expanded due to ETFs and keeps its steady growth in various other ways. The collaboration between SBI Ripple Asia and other partners revolves around the tokenization of actual assets on the XRP Ledger. The main objective of these measures is to digitize real estate, bonds, and various financial instruments and put them on blockchains.
How Market Reacts
XRP trades at ~$1.87 at the time of writing, which suggests a slight drop during the week as the crypto market undergoes consolidation. Nevertheless, XRP remains on the bullish side for the year, with the fundamentals of institutional adoption and regulatory advancement being the main reasons behind this trend.
The continuous accumulation of Franklin Templeton’s shares hints at future long-term confidence in XRP. The achievement not only draws attention to the trend of institutions migrating from Bitcoin and Ethereum towards the assets having clear use cases and regulatory clarity but also signals a longer-term perspective across the whole crypto space. The court ruled that XRP sales on public exchanges do not qualify as securities transactions, which reduces legal risk and eliminates a significant barrier for conventional investors.
