On December 12, XRP spot ETFs showed a net inflow of $20.17 million, making it one of the best days for XRP-based instruments. The leaders were Franklin XRP ETF and Bitwise XRP ETF, which together attracted over $16 million in a single day.
🔍 What do the numbers show
Franklin XRP ETF (XRPZ): +$8.7 million for the day, $185 million in historical inflows
Bitwise XRP ETF: +$7.85 million per day, $213 million in total
Total AUM XRP ETF: ~$1.18 billion
Cumulative historical net inflow: ~$975 million
This is no longer a one-time spike, but a stable trend.
🏦 Fundamental trigger
Against this backdrop, an important piece of news has emerged: 
Ripple has received conditional approval from the OCC (Office of the Comptroller of the Currency) to create Ripple National Trust Bank.
This means:
direct federal oversight in the USA
higher level of trust for institutions
a strong foundation for the development of RLUSD and the entire XRP ecosystem
📈 Why this matters
ETF inflows + regulatory approval = institutional signal.
The market shows that XRP is gradually transitioning from a 'speculative asset' category to a regulated financial instrument.
🧠 Conclusion
XRP is currently interesting not because of hype, but because of structural changes:
ETFs, banks, regulators — all of this shapes long-term trust. It is from such moments that new phases of the market begin.
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