With the approval of three XRP ETFs in 2025, the cryptocurrency market has reached new heights. XRP, created by Ripple, is now both a means of payment and a regulated investment tool.
What Makes XRP Unique?
XRP aims to create an international payments system with high speed and low transfer costs. Unlike the mining models of Bitcoin, the XRP Ledger uses a consensus algorithm that allows transactions to be completed in 3-5 seconds at costs below $0.01. Over 300 financial institutions utilize RippleNet for instant transactions.
Overview of XRP Investment Products
Investment products related to XRP are available in various forms:
* **21Shares XRP ETP (AXRP)** — fully backed XRP product accessible through brokers, without the need to manage wallets.
* **Purpose XRP ETF** — the first Canadian ETF on XRP with currency risk protection for Canadian investors.
* **Grayscale XRP Trust** — a closed-end trust offering investment opportunities for both retail and institutional investors.
* **Bitwise Physical XRP ETP (GXRP)** — a physically backed security that can be exchanged for XRP or sold on the exchange.
* **CoinShares Physical XRP ETP** — also a physically backed product accessible through standard investment platforms.
Regulatory Changes and Their Impact
The ETF approval came after a protracted legal battle between Ripple Labs and the SEC. In 2024, the court clarified that most XRP sales do not constitute sales of securities. This ruling paved the way for ETF applications from several companies. XRP is now not only a useful tool for banks but also a bridge between traditional finance and blockchain.
With new ETFs on the market, XRP is transitioning from a payment method to a vital component of digital assets. Given XRP's speed, efficiency, and transparency, it may become a key player in the financial revolution.
