XRP Inflows Jump $10.6M as Ripple Eyes Banking License

XRP has captured market attention once more as it logged a notable inflow of $10.6 million, coinciding with Ripple’s strategic push to secure a banking license in the United States. This development hints at a potential shift in the company’s operational scope and sparks further curiosity around XRP’s future within the crypto-finance ecosystem.

This marks the second consecutive week where XRP has drawn precisely $10.6 million in new capital into digital asset investment products. Although this figure is modest compared to the monumental $790 million in inflows for Bitcoin or Ethereum’s $226 million during the same period, the consistency is what captures attention. Amid volatile asset flows, XRP’s figures stand out for their precision rather than size.

The data, presented by CoinShares, indicates that digital asset products in total gathered over $1.04 billion in new investments, contributing to what is now 12 straight weeks of net positive inflows. In total, digital assets under management hit a record $188 billion. Yet, in all this, XRP behaves like a fixed point—unchanged in its weekly additions, which could hint at carefully planned accumulation by certain market participants.

Adding fuel to speculation is Ripple’s latest move to acquire a U.S. national banking license, a bold step that would permit it direct oversight over the issuance of its stablecoin, RLUSD. This regulatory application was reportedly filed with the Office of the Comptroller of the Currency and would significantly empower Ripple’s bid to reshape mainstream finance.

Parallel to Ripple’s application, its affiliate, Standard Custody & Trust, is also aiming to secure access to a Federal Reserve master account. If approved, this integration will allow 24/7 issuance and redemption of RLUSD, a critical feature for a stablecoin competing in a global, always-on financial system.

These developments point toward Ripple not just adapting to regulatory landscapes but actively attempting to redefine them. The combination of banking ambitions and strategic stablecoin infrastructure sets Ripple apart from most crypto companies that traditionally distance themselves from legacy banking channels.

Investors seem to have caught on. The dual $10.6 million inflow weeks could signal more than random allocations—they may be part of a calculated response to Ripple’s growing credibility as a financial institution. As the company gears up for a transformational phase, those backing XRP appear to be laying early groundwork for what could become its next surge in relevance.

Further stirring market optimism is the rising chance that an XRP-focused exchange-traded fund (ETF) could materialize. Some estimates recently put the odds as high as 95%, a metric that only deepens the bullish stance among pro-XRP communities. This added ETF speculation may partly explain the consistency in recent capital inflows, suggesting confidence in cryptocurrency’s institutional potential.

Related: Expert Advice: Sell XRP If You’re Confused

As Ripple accelerates its efforts to integrate with the traditional financial system, XRP could evolve from a transactional utility token to a centerpiece in the next generation of fintech infrastructure. Whether or not the banking license is secured, the inflow patterns, regulatory pursuits, and investor sentiment all point to a company and token inching steadily toward long-term structural legitimacy.