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$XRP spot ETF funding just hit a 4-month peak — and Franklin Templeton and Bitwise are leading the charge.
According to SoSoValue as seen on CoinMarketCap’s X update, U.S.-listed spot $XRP ETFs drew $25.8 million in net inflows on Monday. That is the largest single-day haul since January 5. Cumulative inflows have now reached $1.35 billion.
Franklin and Bitwise Are Running the Show
Franklin Templeton’s XRPZ led with $13.62 million — its highest single-day figure since launch. The Bitwise $XRP ETF added $7.59 million. Grayscale’s GXRP contributed $4.59 million. Canary’s XRPC and 21Shares’ TOXR reported no flows for the day.
Three funds did all the work. The demand is concentrated in Franklin and Bitwise — the products that have attracted conviction-driven buyers, not short-term traders.
May has already accumulated $60 million in net inflows within its first two weeks. One analyst described the pattern as evidence of “institutional investors’ confidence in $XRP” — a quiet, deliberate bid that doesn’t show up in price until it does.
The inflow surge didn’t arrive in isolation. The Senate Banking Committee markup for the CLARITY Act is scheduled this week.
It is the first formal legislative step that would lock $XRP’s commodity classification into permanent federal law. The ETF flows say institutional desks are not waiting for the vote. They are already positioned.
What the Charts Are Saying
XRPUSD (Weekly): As of May 13, 2026 timestamped 08:33 UTC, $XRP trades at $1.4608, down -0.86% on the week. The Bollinger Bands show the upper band at $2.0214, the mid-SMA at $1.5264, and the lower band at $1.0315.
Price is sitting between the lower band and the mid-SMA — a zone that has preceded sharp recoveries on this timeframe before.
The RSI Divergence Indicator at 40.27 is climbing from near the historically significant 30 level. The same indicator flashed a “Bull” signal in mid-2022 — which preceded the entire 2024–2025 rally.
It also correctly called two “Bear” signals at cycle peaks in 2024 and early 2025. The current RSI trajectory mirrors the prior bull divergence setup closely.
The mid-SMA at $1.5264 is the immediate resistance. A weekly close above it flips the short-term picture entirely.
XRPBTC (Weekly): Against Bitcoin, $XRP sits at 0.00001803 — well off its cycle high of 0.00003419.
The Bollinger Bands show price pressing against the lower band at 0.00001712, with the mid-SMA at 0.00002005 and the upper at 0.00002298 above.
The RSI Divergence Indicator at 33.79 is approaching the historically critical 30 level — the same zone where the 2024 “Bull” divergence signal formed before $XRP’s most explosive BTC-relative move.
A “Bear” divergence at the 2025 peak accurately predicted the subsequent decline. The current RSI setup, combined with price at the lower Bollinger Band, is the mirror image of that prior bottom.
Is the Smart Money Already Positioned?
$XRP briefly touched $1.50 over the weekend before pulling back to settle near $1.44. The ETF flows are building. The charts are sitting at historically significant levels.
The CLARITY Act vote is days away. All three are pointing in the same direction at the same time — is the smart money already positioned for the move that retail hasn’t priced in yet?
Disclaimer:
This article is for informational purposes only and does not constitute financial, investment, or trading advice. The views expressed are based on publicly available data, market observations, and the author’s interpretation at the time of writing. Cryptocurrency markets are highly volatile and unpredictable, and past performance or current technical setups do not guarantee future results. Readers should conduct their own research and consult with a qualified financial advisor before making any investment decisions. TechGaged does not accept liability for any losses incurred based on the information presented.