XRP News Today: Institutional Adoption Drives Unprecedented Configuration Growth on XRP Ledger

XRP Ledger Sees Record Activity Amid Institutional Interest

In late November 2025, the XRP Ledger witnessed a dramatic increase in activity, registering more than 40,000 AccountSet transactions—marking the highest volume seen in recent years. This surge, paired with a notable uptick in AMM Bid transactions, has fueled discussions regarding the entry of institutional players and strategic liquidity moves within the network. Experts suggest that the nature of these transactions points to large-scale account setups by custodians, market makers, or automated platforms, rather than typical retail activity. Notably, this heightened activity continued even after BitGo concluded its batch updates, indicating that fresh participants are joining the XRP ecosystem.

ETF Launches Drive Institutional Flows

This wave of network activity coincided with the introduction of several spot XRP ETFs in the United States, which have attracted unprecedented capital inflows. Canary Capital’s XRPC ETF alone amassed over $336 million in assets, outperforming all other similar products. By mid-December, the total inflows across all XRP ETFs reached $644 million. Major asset managers such as Bitwise, Grayscale, and Franklin Templeton have also launched their own funds, offering regulated avenues for institutional investors to gain exposure to XRP—a crucial asset for settlement and value transfer on the ledger. The influx of funds has propelled Canary’s entire ETF lineup to over $400 million in assets, underscoring the growing institutional trust in cryptocurrency investment vehicles.

Network Configuration Linked to ETF Growth

The heightened demand for XRP is closely tied to the increased ledger configuration activity. As ETF inflows accelerate, custodians are required to scale up their storage capabilities, adjust wallet configurations, and prepare for greater settlement volumes—all of which involve AccountSet transactions. At the same time, the rise in AMM Bid transactions indicates that liquidity providers are establishing early positions in automated market-maker pools, reflecting broader trends such as RLUSD approvals and further institutional integration.

On-Chain Volume Lags Despite Institutional Momentum

While ETF-driven enthusiasm is high, on-chain transaction volumes for XRP have remained relatively modest, even as RippleNet’s network of banking partners expanded to over 300 institutions. This discrepancy is largely due to the fact that many banks utilize RippleNet’s infrastructure without necessarily using XRP for settlements. The introduction of regulated stablecoins like RLUSD may help bridge this gap, enabling institutions to test payment corridors without being exposed to XRP’s price fluctuations.

Outlook: Cautious Optimism for XRP’s Institutional Role

Looking forward, analysts maintain a cautiously optimistic stance. Continued ETF inflows could solidify XRP’s presence in institutional portfolios, while the adoption of RLUSD may pave the way for production-level settlements in major corridors by mid-2026. The staggered rollout of XRP ETFs is expected to provide ongoing catalysts for the market, in contrast to the single, concentrated launch of Bitcoin ETFs in early 2024. Should institutional interest remain strong, XRP could experience renewed price growth driven by utility, though short-term volatility is still a concern.