If you have an interest in cryptocurrency and are open to the volatility that comes with it, but prefer not to deal with the manual process of buying crypto, spot crypto ETFs could be a suitable option for you.
The first spot Bitcoin ETFs and Ethereum ETFs were launched back in 2024, providing investors with a convenient way to gain exposure to these cryptocurrencies through almost any brokerage account.
Since then, several other cryptocurrencies have been included in ETFs. One of the latest additions is XRP, also known as Ripple, which is currently the fourth-largest cryptocurrency by market cap.
Ripple is a company focused on crypto payments, with its founders creating XRP as its native token. XRP and the XRP Ledger blockchain offer a more efficient way to transfer money across borders. While traditional money transfers can take days, XRP transactions can be completed in seconds and at a lower cost.
XRP became more accessible to U.S. consumers following a legal dispute with the U.S. Securities and Exchange Commission. A federal judge ruled in July 2023 that Ripple’s sale of XRP was not an unregistered securities sale. The SEC later dropped the case in Aug. 2025, allowing for the trading of XRP ETFs.
XRP has experienced an 11% decline over the past year, despite a surge after the SEC’s dismissal of the case in August 2025. Source: CoinGecko.
What is a spot XRP ETF?
A spot XRP ETF is an exchange-traded fund that directly invests in XRP, similar to how a spot gold ETF invests in gold for its shareholders. XRP had a volatile 2025, trading between $1.79 and $3.56. It has seen a nearly 20% increase in 2026.
Prior to the SEC’s approval of the first spot XRP ETFs in November 2025, investors could only access XRP through crypto exchanges or certain XRP-related ETFs that track the cryptocurrency’s price through derivatives. Now, several funds allow investors to buy XRP in ETF form through any brokerage offering ETFs.
Here are all of the XRP ETFs currently listed, along with their fees and promotions
We have listed these XRP ETFs from lowest to highest fees. Some funds are currently waiving their fees for a period in 2026.
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Franklin Templeton XRP ETF
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0.19% (waived through May 31, 2026)
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0.35% (waived through Feb. 24, 2026)
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Source: Fund websites. Data is current as of Jan. 7, 2026, and is intended for informational purposes only.
What to know about XRP ETFs
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More XRP ETFs may launch in the future: Other ETF issuers like CoinShares and WisdomTree have filed for a spot XRP ETF with the SEC but have yet to launch them.
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Fees may change: As new funds enter the market, they may introduce fee waivers similar to those by Franklin Templeton and Grayscale. This could lead to competitive pressure for other issuers to waive their fees. However, the fee waivers from Franklin Templeton and Grayscale are temporary and may not be applicable if there is a delay in purchasing those funds.
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More access but less control than owning XRP directly: Spot XRP ETFs enable investors without a crypto exchange account to benefit from the price movements of the fourth-largest cryptocurrency. However, owning XRP indirectly through an ETF means less control over the investment compared to owning XRP tokens. Functions like sending XRP elsewhere or lending for a return require owning the cryptocurrency itself.
At the time of publication, neither the author nor editor held positions in the investments mentioned above.
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