The cryptocurrency world is buzzing as XRP experiences a massive 9% surge, reaching $2.27, following the launch of spot XRP ETFs by Franklin Templeton and Grayscale. This marks a pivotal moment for XRP in 2025, cementing its importance in the global settlement infrastructure.
Franklin Templeton’s XRP ETF: Breaking New Ground
On November 24, 2025, Franklin Templeton debuted its Franklin XRP ETF (XRPZ) on NYSE Arca. Designed to track the CME CF XRP-Dollar Reference Rate, this product offers individuals and institutions a seamless way to invest in XRP without directly owning the cryptocurrency. Managed by major financial players, including Coinbase Custody as custodian and BNY Mellon as administrator, this ETF delivers unprecedented accessibility and reliability.
David Mann, the director of ETF products and capital markets at Franklin Templeton, emphasized the fund’s significance, stating, “XRPZ offers investors a convenient and regulated way to access a digital asset that plays a critical role in the global settlement infrastructure.”
Grayscale XRP Trust ETF: A Zero-Fee Opportunity
Grayscale, the world’s largest crypto-focused asset manager, also unveiled its XRP Trust ETF (GXRP) with a limited-time zero-fee offer. This move highlights XRP’s strong standing in the market as the third-largest digital asset globally.
In tandem, Bitwise launched its XRP ETF a week earlier, drawing $100 million in initial inflows and showcasing the pent-up demand stemming from regulatory clarity provided earlier this year. Investors now have multiple highly credible options to gain exposure to XRP via regulated channels.
The Ripple Effect: SEC Settlement Drives Institutional Confidence
The recent flurry of ETF launches follows Ripple’s $125 million settlement with the Securities and Exchange Commission (SEC) in May 2025. This settlement provided long-sought closure to years of regulatory uncertainty. By resolving all claims, Ripple laid a solid foundation for institutional players to embrace XRP. This resolution underscores Ripple’s role in driving innovation in cross-border payment systems.
XRP Technology and Institutional Appeal
Operating on the decentralized XRP Ledger (XRPL), XRP is optimized for swift, cost-efficient transaction settlements. With more than 3.3 billion transfers processed on the network, XRPL offers features ideal for institutions seeking alternatives to traditional systems like SWIFT. Its energy-efficient consensus model enables near-instant settlements in three to five seconds, enhancing scalability and reliability.
Global Implications for Cross-Border Payments
With rising institutional interest, experts predict XRP may play a bigger role in connecting cross-border payment corridors across Asia, the Middle East, and Africa. Moreover, recommendations from the April 2025 BRICS business council emphasize the need for efficient digital settlements, aligning perfectly with XRP’s core capabilities.
How to Take Advantage of the Growing XRP Market
If you’re considering riding the wave of XRP’s growth, investing in one of the newly launched ETFs could be a smart choice. For instance, the Grayscale XRP Trust ETF offers an accessible route to tap into this promising digital asset with added transparency and security. However, as always, consult a financial advisor before making significant investment decisions.
With Franklin Templeton, Grayscale, and others leading the charge, the future of XRP as a fundamental player in global finance looks brighter than ever. Stay tuned for more updates as the crypto market continues to evolve.
