XRP's $1.47 Billion ETF Inflows Meet Validator Vote on Native Lending Layer
Published on 07/03/2026 at 14:08 | Redaktion boerse-global.de
XRP is fighting to hold ground above the $1.00 level after a brutal first half of the year that wiped roughly 41% from its value. The token recently changed hands near $1.09, up around 5% on the day and comfortably above its 52-week low of $1.01. A fresh SuperTrend buy signal on the four-hour chart — the first since mid-June — has given short-term traders reason to pause the selling.
Yet the real story lies beneath the price surface. Spot ETFs tracking XRP have absorbed net inflows of $1.47 billion over eight consecutive weeks, with cumulative inflows since November 2025 reaching approximately $1.48 billion. The seven funds collectively manage around $1.4 billion in assets, locking up more than 800 million tokens. Even a small net outflow on June 30 failed to dent the broader institutional appetite.
That appetite is being fueled, in part, by a parallel buildout on the XRP Ledger that aims to turn the network into a full-fledged credit platform. Two landmark amendments are currently up for validator voting: XLS-65, which would create single-asset vaults, and XLS-66, which establishes an on-chain lending protocol. As of July 3, support stood at 22.86% for XLS-65 and 20% for XLS-66 — still far from the 80% threshold required over two weeks for activation. If passed, the protocol would allow regulated financial institutions to extend uncollateralized loans, using off-chain credit checks and settling via on-chain term loans.
The network’s technical infrastructure is also getting an upgrade. Core developer Denis Angell confirmed on July 2 that the batch amendment — which enables atomic transactions grouping multiple operations into a single ledger entry — has returned to the core repository after a successful security audit and now awaits validator approval. Separately, a developer team submitted a proposal for “AMM Swappable Curves,” which would let liquidity pools adopt concentrated liquidity and StableSwap curves instead of the standard constant-product model.
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Meanwhile, Ripple’s stablecoin RLUSD has become a catalyst for on-chain activity. Its global market capitalization sits at roughly $1.7 billion, with 51–52% of the supply now held on the XRP Ledger — more than $800 million worth. The total stablecoin market cap on the network has swelled to about $907 million, inching toward the $1 billion mark. Daily active addresses jumped 72% in late June to around 39,500, and new wallet creation hit a three-month high of 4,941 in a single day on July 2.
The surge in network usage comes after a wave of leveraged position liquidations in the futures market cleared the decks. On-chain metrics also show that realized profits for long-term holders have reached historically low levels — a pattern that has often marked the end of corrections. The spread between large holders and retail investors stands at 44.6%, while 120 million tokens were pulled from exchange wallets in late June.
But the regulatory overhang remains. The US Senate returns from recess on July 13, and the CLARITY Act — which would provide a legal classification for digital assets — faces a narrow window before the August break. Galaxy Digital recently lowered the probability of passage this year from 75% to 60%, citing delays in the Senate Banking Committee. That uncertainty partly explains why the token still trades roughly 27% below its 200-day moving average of $1.49, with a relative strength index of 43.4 pointing to neither overbought nor oversold conditions.
XRP at a turning point? This analysis reveals what investors need to know now.
The next two weeks will be critical. Validators must decide whether to push the lending amendments toward the 80% threshold, and the price will need to hold support near $1.06 if the SuperTrend signal is to translate into a sustained recovery. For now, the divergence between a depressed token price and a rapidly maturing network has rarely been wider.
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