Why XRP ETPs Attracted $189.6 Million in Weekly Inflows According to CoinShares’ report for the week ending Friday, July 25, global crypto ETPs posted $1.9 billion in net inflows, marking the 15th consecutive week of positive flows. Within this, XRP-linked products pulled in $189.6 million, trailing only Ethereum (ETH) and Solana (SOL) in terms of institutional interest. This influx pushed year-to-date cumulative inflows to $29.5 billion, and total assets under management across crypto ETPs reached a record $221.4 billion. Analysts, including CoinShares’ James Butterfill, signal that the spike in XRP ETP flows likely reflects investor positioning ahead of potential spot or futures XRP ETF approvals in the U.S., rather than a broad-based altcoin rally. The distinction between Bitcoin, which saw outflows of $175 million and XRP underscores that dynamic. Beyond product innovation, XRP’s technical orientation has come into sharper focus. On‑chain metrics indicate strong activity, with daily new wallet growth averaging more than 7,500 addresses, suggesting rising demand and support levels above $3.3 amid whale accumulation. Technical chart patterns, including golden‑cross signals versus Bitcoin, further accentuate bullish sentiment. Crypto‑Backed Mortgages Come Into View Last month, the Federal Housing Finance Agency (FHFA) issued a directive ordering Fannie Mae and Freddie Mac to begin incorporating cryptocurrency holdings into mortgage risk assessments. Previously, crypto had to be converted to USD before being counted; now digital assets like XRP may qualify directly as part of an applicant’s reserves. Building on that, Senator Cynthia Lummis has introduced the 21st Century Mortgage Act , a bill that would formally allow crypto, including XRP held via qualified custodians and stablecoins to be counted when applying for U.S. mortgages, without requiring conversion to cash. This Act is surfacing at a time when the White House Crypto Policy is taking shape. What This Means for XRP Holders For the XRP Army the 21st Century Mortgage Act is monumental: No more forced sales. They can keep accumulating XRP while simultaneously qualifying for a home loan. A credibility boost. Acceptance by major U.S. financial institutions would mark XRP’s transition from speculative asset to mainstream financial tool. Potential price catalyst. Experts suggest that institutional recognition and expanded utility could drive demand and prices from the $3 range to $6 or even higher in coming months As a result, enthusiasts on X, formerly Twitter, and other platforms are sharing bold perspectives; some even forecast that XRP could soon become actual mortgage “money” under U.S. infrastructure. Conclusion By letting crypto holdings count toward mortgage eligibility, these policy changes elevate XRP from a niche token to a recognized household financial instrument in America. For the XRP Army, that not only reinforces long‑term conviction but also creates tangible real‑world utility and possibly a fresh bull run. On the other hand, XRP ETPs captured $189.6 million of new capital, signaling strong institutional momentum backed by regulatory confidence, technical breakout potential, and expanding access via new ETF and ETP vehicles. As regulatory clarity around XRP deepens, especially in the U.S., and ecosystem usage grows, XRP-linked investment products are increasingly positioned not as speculative plays, but as mainstream financial instruments in diversified portfolios.
