XRP just made a major flex on Wall Street. In less than four weeks, US spot XRP exchange-traded funds surpassed $1 billion in assets under management. That makes XRP the fastest crypto ETF to reach this level since Ethereum. Ripple CEO Brad Garlinghouse confirmed the milestone at X. He called it clear proof that demand for regulated crypto products is not slowing down. Rather, it is accelerating.
Right now, there are only four XRP ETFs in the US. However, together they already hold around 597 million XRP. At current prices, that stash is worth approximately $1.23 billion. That figure reflects total assets, not just new entries. Meanwhile, net inflows are now approaching $935 million. The increase began on November 13. That was the launch day of the Canary Capital XRP ETF. It raised around $245 million in a single session. Since then, products from Bitwise, Grayscale, and Franklin Templeton joined the race and kept the momentum alive.
The Canary Islands take the lead while institutions join in
Not all XRP ETFs are growing at the same rate. The Canary Islands fund leads by a wide margin. He now owns around 336 million XRP. That stake alone is worth about $692 million. It represents more than 56% of all XRP ETF assets. Grayscale comes in second place. Its XRP ETF has around 104 million tokens, valued around $215 million. Bitwise follows with approximately $193 million in XRP. Franklin Templeton has the smallest stake at about $132 million. This balance shows where initial institutional money is most comfortable. Still, the four products continue to generate constant interest.
#XRP Reach a milestone of $1,000,000,000 in a short time: #Vibe Executive Director. pic.twitter.com/Wvyl6o6qHw
– TheCryptoBasic (@thecryptobasic) December 9, 2025
Brad Garlinghouse also linked this growth to a larger shift in American investment. Vanguard and other platforms now allow exposure to cryptocurrencies within traditional trading and retirement accounts. That single change unlocks access for millions of Americans overnight. As a result, people no longer need to manage wallets or learn blockchain tools to gain exposure to XRP. They can simply tap “buy” as they would with any stock or bond. Clean. Simple. No stress.
New “off-chain” investors are changing the game
Garlinghouse also highlighted a quiet but powerful trend. Many new cryptocurrency investors today do not directly interact with blockchains. They invest through ETFs. He called them “off the chain” headlines. This group thinks differently. They care less about the technical details. Instead, they focus on longevity, stability, and community strength. According to Brad Garlinghouse, these traits now play an important role in directing long-term capital flows. That change helps explain why XRP gained traction so quickly after its ETF debut. The asset already has a long history, a global brand, and an active user base. For traditional investors, that familiarity is important.
Regulated XRP Momentum Continues to Rise
Beyond ETFs, XRP also gained traction in the US derivatives markets. Bitnomial gained approval to settle physically settled XRP futures under the supervision of the CFTC. That move gave XRP one of its first fully regulated US futures listings. Together, spot ETFs and regulated futures create a strong institutional backbone. They also deepen liquidity and access to markets.
After years of legal battles and regulatory uncertainty, XRP now finds itself in a very different place. Specifically, it moves through retirement accounts, trades in regulated ETF wrappers, and settles through licensed clearinghouses. Therefore, the message is simple: XRP is no longer knocking on Wall Street’s door. He’s already walked in and taken a seat, and at this rate, it doesn’t look like he’s planning on getting up anytime soon.
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