XRP Price to $20? Here’s How ETFs Could Change Everything for XRP

XRP price has been hovering around $2.49, but new developments are stirring conversations about potential growth. Canary Capital’s spot XRP ETF, XRPC, received SEC approval and Nasdaq certification on November 12, 2025, and begins trading November13 (today). This marks a milestone for Ripple token, as ETFs provide a new channel for investors to access XRP without buying the token directly.

Zach Rector, a YouTube analyst with over 150 thousand subscribers, broke down how these ETFs could impact Ripple price. He explains that inflows from ETFs could push XRP token market cap much higher than many expect, even using conservative assumptions.

How ETFs Could Influence XRP Token

ETFs don’t just provide convenience. They create structured demand for Ripple token. Rector points out that institutions like endowments and retirement accounts could be significant buyers, bringing in $5 to $10 billion in inflows during the first year alone. These funds are channeled into XRP via ETFs, which could magnify effects on XRP price.

For context, XRP has about 60 billion tokens circulating. A conservative market cap growth of $500 billion would push XRP price to roughly $10 or $11. A more optimistic scenario, with $1 trillion growth, could take Ripple price to $19 or $20. Rector notes that this math doesn’t rely on hype, but on realistic, conservative assumptions.

Comparing XRP ETFs to Bitcoin ETFs

Bitcoin ETFs offered a useful blueprint. After spot Bitcoin ETFs launched, the market cap grew by $1.76 trillion over about a year and a half. XRP has a smaller market cap, which means inflows could have a more pronounced effect. Rector calculates that ETF inflows could produce a multiplier of 100X to 200X on XRP market cap, far higher than what Bitcoin experienced.

The impact could be rapid. While some estimates extend growth to late 2026, Rector suggests that a $10 to $11 XRP could happen within a month or two, depending on how quickly ETFs attract funds.

ETF Mechanics and XRP Acquisition

Investors might wonder if ETFs already hold XRP or if they pre-purchased the token at a discount. Rector clarifies that ETF issuers buy only a small amount for seed capital. The majority of XRP will be acquired as inflows arrive, ensuring that new demand directly affects Ripple price. This structure avoids artificially inflating price before ETFs begin trading.

Rector also addresses confusion about digital asset treasuries like Vivo Power. Claims that XRP is being purchased at an 84% discount are misunderstood. The discount refers to Ripple equity valuation, not XRP token pricing. Ripple’s token value remains separate from private share transactions, and these activities won’t artificially deflate XRP price.

Looking Ahead for Ripple Price

According to Rector, conservative assumptions indicate XRP could rise to $500 billion in market cap growth, translating to roughly $10 to $11 per token. The bullish scenario pushes XRP token toward $19 or $20. Rector emphasizes that these outcomes are based on structured ETF inflows and historical analogies, not speculation.

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Markets may see volatility on launch day, especially with the first ETF trading on Nasdaq, but structured inflows create a foundation for sustained growth. Ripple token could see significant activity as institutional and retail investors gain access through ETFs.

Zach Rector encourages tracking ETF developments closely, noting that even conservative assumptions suggest meaningful growth potential.

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Temitope Olatunji
Temitope Olatunji

Temitope is a seasoned writer with over four years of experience. He specializes in Web3 and FinTech topics and enjoys creating content in these areas. He holds both a bachelor's and master's degree in Linguistics. When not writing, he trades forex and plays video games.

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