XRP is making headlines again as institutional investors pour $189.6 million into XRP-linked exchange-traded products (ETPs) in just one week. Could this surge in interest, coupled with groundbreaking U.S. mortgage law developments, signal a new era for XRP adoption? Let’s dive into the latest XRP news and what it means for investors.
XRP ETPs See Record $189.6M Inflows
According to CoinShares data, XRP ETPs attracted $189.6 million in net inflows for the week ending July 25, 2025. This places XRP third in institutional interest behind only Ethereum and Solana. Key highlights:
- 15th consecutive week of positive flows for crypto ETPs
- $1.9 billion total inflows across all crypto ETPs
- Year-to-date cumulative inflows reach $29.5 billion
Why Are Institutions Betting on XRP?
The surge in XRP ETP investments appears driven by two major factors:
- Anticipation of potential XRP ETF approvals
- Recent U.S. regulatory developments affecting mortgage lending
U.S. Mortgage Law Changes Boost XRP Utility
Two significant regulatory developments are changing the game for XRP holders:
| Development | Impact |
|---|---|
| FHFA directive | Allows crypto holdings in mortgage assessments without USD conversion |
| 21st Century Mortgage Act | Would permit XRP as mortgage collateral |
What Does This Mean for XRP Price?
Technical indicators suggest bullish momentum:
- 7,500+ new XRP wallets created daily
- Whale accumulation supporting prices above $3.3
- Golden-cross signals on technical charts
Analysts predict potential price targets of $6 or higher if current trends continue.
FAQs About Recent XRP Developments
Q: Why are XRP ETPs seeing such large inflows?
A: Institutional investors appear to be positioning ahead of potential XRP ETF approvals and taking advantage of new regulatory clarity.
Q: How does the new mortgage law affect XRP holders?
A: It allows XRP to be considered in mortgage applications without requiring conversion to USD, preserving crypto holdings.
Q: What’s the significance of the 21st Century Mortgage Act?
A: If passed, it would allow XRP and other cryptocurrencies to be used directly as collateral for mortgages.
Q: Why did Bitcoin see outflows while XRP saw inflows?
A: Investors may be rotating into altcoins like XRP that offer more regulatory clarity and potential upside.
