XRP ETF inflows grabbed another $10.6 million on January 14, pushing total assets under management to $1.56 billion. While Bitcoin and Ethereum ETFs continue to see choppy flows, XRP products are quietly building one of the steadiest institutional buying streaks in the crypto market. The question is whether this pattern signals a bigger move ahead or just cautious positioning from institutional players.
Fresh Money Keeps Pouring Into XRP ETFs
SoSoValue tracked the latest XRP ETF inflows at $10.63 million for January 14. Over the past week, we’ve seen a pattern:
- $15.04 million came in on January 12
- January 13 brought $12.98 million
- Then $10.63 million on the 14th
There was one rough day this month. January 7 saw about $40 million walk out the door. But that was it. Just one bad day. Since then? Buyers came right back. Total historical flows have crossed $1.3 billion already.
Compare this to what’s happening with Bitcoin and Ethereum ETFs. Those products swing wildly. One day you’ll see half a billion flow in, the next day twice that amount leaves. XRP doesn’t play that game. It’s been grinding higher, slow and steady.
The consistency tells you something about who’s buying. This isn’t retail FOMO. Retail traders panic at the first 5% dip. What we’re seeing with XRP ETF inflows looks more like institutional accumulation – the kind where fund managers build positions over weeks and months, not days.
Why Big Players Actually Want XRP Right Now?
Franklin Templeton’s David Mann recently called XRP “foundational” for cross-border payments. That’s a fancy way of saying banks might actually use this stuff.
Ripple isn’t just sitting around either. They’ve rolled out RLUSD, their stablecoin, and they’re pushing hard into Asian markets. Japan and South Korea are opening up to crypto in ways that seemed impossible two years ago. When you’ve got real payment corridors opening up, suddenly XRP stops being just another speculative coin.
The price action backs this up too. XRP is trading around $2.15 right now, up about 25% since January 1st. Not exactly moon mission territory, but solid gains while the rest of crypto has been pretty choppy. Those XRP ETF inflows suggest institutions see something worth holding at these levels.
And get this – 24/7 Wall St. reported that XRP products went 35 straight trading days without a single outflow before that January 7 blip. Bitcoin couldn’t pull that off. Neither could Ethereum. That’s not luck. That’s conviction.
How Does XRP Stack Up Against the Competition?
On January 14, here’s what flowed into crypto ETFs:
- Bitcoin grabbed $843 million (the big dog still dominates)
- Ethereum pulled $175 million
- Solana got $23.5 million
- XRP took in $10.63 million
Bitcoin wins on size, obviously. But winning isn’t always about being the biggest. It’s about consistency. Solana ETFs launched around the same time as XRP products. They’re sitting at roughly $1.1 billion in total assets. Solana’s been all over the map with flows – some days great, other days terrible.
XRP ETF inflows paint a different picture. There’s no panic selling. When Bitcoin dips 3%, Bitcoin ETF holders bail. When Ethereum stumbles, the same story. XRP buyers? They keep showing up. That’s the behavior you see from smart money, not gambling money.
According to Disruption Banking’s data, cumulative XRP ETF inflows hit $1.37 billion by early January. That made XRP the second-fastest crypto ETF to crack a billion dollars in flows. Only Bitcoin did it faster. Not Ethereum. Not Solana. Just Bitcoin and XRP.
What Happens Next With Price and Demand?
Standard Chartered’s Geoffrey Kendrick threw out an $8 price target for late 2026. His math assumes XRP ETF inflows keep this pace going and eventually lock up $10 billion worth of tokens throughout the year. That would pull billions of XRP off exchanges and out of circulation.
Other analysts are more cautious. Most cluster around $3 to $3.50 by year-end. The truth probably sits somewhere in the middle, depending on whether these ETF flows stay positive and if Ripple’s banking partnerships actually deliver results.
Supply dynamics favor XRP right now. Exchange balances dropped from nearly 4 billion tokens to around 1.7 billion over 2025. ETFs have locked up another 788 million. Less supply floating around, steady demand through XRP ETF inflows – basic economics says price should follow if demand continues.
The real test comes over the next few months. If monthly XRP ETF inflows stay above $300 million and we avoid a broader crypto market crash, breaking $3 looks doable. Getting to $4 or higher needs bigger catalysts. Maybe regulatory clarity in the US. Maybe BlackRock decides to launch their own XRP product. Something that shifts sentiment hard.
But based purely on what we’re seeing right now? The institutional buying through XRP ETF inflows isn’t stopping. And that matters more than short-term price wiggles.
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What exactly are XRP ETF inflows?
It’s new money coming into exchange-traded funds that hold XRP. When investors buy ETF shares, those funds then purchase actual XRP tokens to back those shares.
How much total money has come into XRP ETFs?
Around $1.37 billion in cumulative flows since launch in late 2025. Total assets sitting in these funds now hit about $1.56 billion as of mid-January 2026.
Why would institutions buy XRP through ETFs instead of buying tokens directly?
ETFs handle all the messy stuff – custody, security, compliance. For big institutions, it’s way easier to buy regulated ETF shares than deal with crypto exchanges and private key management.
Do XRP ETF inflows actually affect the token price?
Yeah, they do. When ETFs buy XRP to meet demand, those tokens get locked up and removed from the circulating supply. Combine that with exchange balances already dropping, and you’ve got supply pressure that can push prices higher if demand holds.
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