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30+ Firms, $307M ETF Inflows & XRP Still Down 13% | Oct 26
Audio is available on Spreaker — see link below.
Over thirty institutional firms now hold XRP ETF positions after Q3 13F filings land, yet XRP is down thirteen percent since October sixth. Today's briefing unpacks the ETF wave, Cross River's RLUSD-FedNow integration, the RLUSD-USDC revenue gap, stalled XRPL lending, and what to watch at Swell 2026.
Audio is available on Spreaker — see link below.
Thirty-plus institutional firms now hold XRP ETF positions. That's the confirmed count after Q3 Form 13F filings landed this week, and it's the clearest signal yet that wealth managers aren't just watching this market — they're in it.
While ETF flows tell one story, what Cross River Bank did this week tells a different one. Cross River, one of the highest-volume FedNow providers in the country, wired Ripple's RLUSD stablecoin directly into its core banking infrastructure.
Circle disclosed it paid out eight hundred and nineteen million dollars to over a hundred and fifty USDC partners in the first half of this year. Ripple hasn't disclosed equivalent figures for RLUSD.
David Schwartz, Ripple's co-creator, predicted this week that retail DeFi will see an explosion in twenty twenty-seven, driven by tokenization, regulatory clarity, and AI agents managing personal finance. It's a reasonable forecast.
Here's the tension that runs through all of it. XRP is down thirteen percent since October sixth despite five institutional announcements in that window.
Two things are worth watching closely from here. First, whether the Swell announcement from Evernorth has any actual substance — something that specifies XRP token activity rather than ledger adjacency.
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