XRP News: Stunning $189.6M Weekly Inflows for XRP ETPs as U.S. Mortgage Law Shifts
XRP is making headlines again, and this time it’s not just about price action. Institutional investors are pouring $189.6 million into XRP-linked exchange-traded products (ETPs) in a single week, signaling growing confidence in the asset’s future. What’s driving this surge, and how could recent U.S. mortgage law changes impact XRP’s adoption? Let’s dive into the latest XRP news.
XRP ETPs See Record Inflows as Institutions Bet Big
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 in new capital across all crypto ETPs
- Year-to-date cumulative inflows hit $29.5 billion
- Total crypto ETP assets under management reach record $221.4 billion
U.S. Mortgage Law Changes: A Game Changer for XRP?
Recent regulatory developments are creating new utility for XRP. The Federal Housing Finance Agency (FHFA) now allows cryptocurrency holdings to be included directly in mortgage risk assessments, eliminating the need to convert to USD first. Even more significant:
- Senator Cynthia Lummis introduced the 21st Century Mortgage Act
- Would permit crypto assets like XRP as mortgage collateral
- Removes requirement to convert to fiat currency
Technical Indicators Support XRP’s Bullish Momentum
On-chain data reveals strong network growth and whale accumulation:
| Metric | Value |
|---|---|
| New XRP wallets daily | 7,500+ |
| Price support level | $3.30 |
| Technical pattern | Golden cross |
What This Means for XRP’s Future
Analysts suggest these developments could propel XRP from its current $3 range to $6 or higher. The combination of institutional inflows and regulatory progress positions XRP as more than just a speculative asset. With the White House finalizing broader crypto policies, XRP’s path to mainstream financial acceptance appears clearer than ever.
Frequently Asked Questions
Why are XRP ETPs seeing such large inflows?
Investors are positioning ahead of potential spot or futures XRP ETF approvals, and recent regulatory changes have increased confidence in XRP’s long-term viability.
How does the new mortgage law affect XRP holders?
It allows holders to use XRP as collateral for mortgages without converting to fiat, preserving their crypto holdings while accessing traditional financial services.
What’s the significance of the golden cross pattern?
A golden cross occurs when a short-term moving average crosses above a long-term moving average, typically signaling bullish momentum in technical analysis.
Could XRP really reach $6?
While not guaranteed, the combination of institutional interest, regulatory clarity, and growing utility creates favorable conditions for potential price appreciation.
