Ripple ETF Inflows Jump Sharply as National Bank Charter Rumors Grow

There is a sharp increase in the amount of money being invested into XRP-focused exchange-traded funds (ETFs), which shows that institutional investors are becoming more confident and believe that there may be a connection between Ripple and a future American national bank charter. This trend positions XRP as one of the most closely monitored digital assets for the year 2026.

XRP ETF Inflows Show Strong Institutional Appetite

For the last month, there have been continuous daily net inflows for XRP ETFs amounting to around $1. 2-$1. 3 billion in total assets under management. The funds have been performing better than many other similar altcoin investment products with an average daily inflow of $35-$45 million. It is observed that about 68% of the ETF volume is contributed by institutional accounts such as hedge funds, asset managers, and family offices that are after a regulated crypto exposure.

This constant inflow has been witnessed even during periods of low trading volumes, indicating long-term investment strategies rather than short-term speculations. Further data reveals that XRP ETF holdings represent approximately 7% of the total circulating liquid supply of XRP, thereby easing selling pressure in the spot market.

Supply Metrics and Market Structure Strengthen

Analysis from on-chain data reveals that centralized exchanges’ XRP balances have decreased by about 14% over the past two months, reaching their lowest point since early 2022. Similar historical reductions in supply have typically been followed by medium-term price increases.

On the other hand, accumulation through ETFs has taken in an approximate 22-25 million XRP tokens every day, leading to a supply-demand disequilibrium that could maintain increased minimum prices over the next few quarters according to some analysts.

National Bank Charter Speculation Adds Fuel

The market sentiment is also positive due to rumors that companies linked to Ripple might go for a US national bank charter or have already got one. Such a step taken when realized would enable deeper integration with conventional financial systems like payment settlement, custody services, cross-border liquidity rails etc.

From an analytical perspective, a charter might greatly reduce regulatory hurdles and expand XRP’s target market by $10-$15 trillion global payment flows as per industry projections.

Forward Outlook: Why Investors Are Watching Closely

The accelerating ETF inflows, reducing exchange supply, and increasing regulatory speculations make XRP appear as a high-conviction institutional asset today. If the current trends of inflows continue, then it is expected that by mid-2026 the XRP ETF assets will surpass $2 billion thus strengthening its position within the changing digital asset investment landscape.