XRP has captured Wall Street’s attention like never before. In under four weeks, the new U.S. spot ETF surpassed $1 billion in assets under management (AUM). This achievement makes it the fastest crypto spot ETF to reach that milestone in the U.S. since Ethereum. The rapid inflows highlight growing institutional and retail interest in regulated crypto products.
Brad Garlinghouse, Ripple’s CEO, confirmed that this surge reflects “pent‑up demand” from investors seeking safe, regulated exposure to cryptocurrency. With firms like Vanguard opening retirement and brokerage accounts to these ETFs, millions of Americans can now invest in crypto without technical expertise. Investors no longer need to manage wallets or private keys to access digital assets.
A Record-Breaking Launch
The XRP spot ETF debuted in mid-November 2025 and immediately attracted significant capital. Over a 15-day streak, roughly $897 million flowed into the fund, according to a recent report.
<4 weeks, and XRP is now the fastest crypto Spot ETF to reach $1B in AUM (since ETH) in the US.
With over 40 crypto ETFs launched this year in the US alone, a few points are obvious to me:
1/ there’s pent up demand for regulated crypto products, and with Vanguard opening up…
— Brad Garlinghouse (@bgarlinghouse) December 8, 2025
Leading institutional investors, including Canary Capital, Grayscale, Bitwise, and Franklin Templeton, contributed heavily. Such participation underscores confidence in XRP’s market structure and long-term viability.
The surge also impacted XRP’s circulating supply. Over 400 million XRP tokens are now locked in institutional vaults, potentially tightening liquidity. This structural shift may influence price stability and market dynamics over the coming months.
Why This ETF Matters
Two key trends explain XRP’s ETF success. First, regulated products are increasingly preferred by investors who value compliance and transparency. Garlinghouse emphasized that many new participants are uninterested in blockchain technicalities but still want crypto exposure.
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— TimesTabloid (@TimesTabloid1) June 15, 2025
Second, the rise of “off‑chain” crypto holders has reshaped investor profiles. These individuals prioritize longevity, stability, and community over direct network interaction. For them, a regulated ETF provides a simple, secure bridge between traditional finance and digital assets.
Implications for the Crypto Market
XRP’s rapid ETF adoption signals a broader shift in institutional crypto investment. Regulated, transparent products may dominate inflows, even for altcoins traditionally considered niche. Outpacing most altcoin funds, XRP’s milestone sends a strong signal to pension funds, asset managers, and mainstream investors.
For XRP, the ETF could stabilize investor behavior. As more capital flows through regulated vehicles, liquidity tightens, and price discovery becomes more influenced by institutional sentiment than speculative trading. This evolution may support a more durable and engaged investor base.
Brad Garlinghouse’s insights reveal that XRP’s rise is more than a headline. It marks a new phase in crypto adoption, where digital assets gain legitimacy and accessibility in mainstream finance. The $1 billion milestone could redefine how institutions and retail investors approach cryptocurrency in the U.S.