XRP ETF Inflows Fall Short of Predictions Amid Regulatory Uncertainty

JPMorgan and Standard Chartered predicted that XRP ETFs would attract between $4 billion to $8 billion in their first year, but the funds have only gathered around $1.5 billion since launching in November 2025.

The forecast was made before any XRP fund existed, based on the performance of Bitcoin and Ethereum's ETFs. The banks assumed that investors who bought into Bitcoin's funds would also invest in XRP funds, but this assumption may not be correct.

XRP ETF inflows slowed down after a strong start, with the funds collecting $666.61 million in their first month and $499.91 million in December 2025. However, the buying picked up again in May when the CLARITY Act, which would classify XRP as a commodity under federal law, looked closest to passing.

The bill stalled, and the inflows slowed down with it. The funds now hold just $988.78 million, having lost around half of their value due to the decline in XRP's price. Institutional investors remain cautious about investing in XRP, despite the potential for massive returns if the CLARITY Act is passed.