6 SEC-Approved XRP ETFs (Plus Their Fees and Promotions)

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Here is a list of our partners and here's how we make money.The investing information provided on this page is for educational purposes only. NerdWallet, Inc. does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks, securities or other investments.How is this page expert verified?NerdWallet's content is fact-checked for accuracy, timeliness and relevance. It undergoes a thorough review process involving writers and editors to ensure the information is as clear and complete as possible.Lead WriterSam Taube writes about investing for NerdWallet. He has covered investing and financial news since earning his economics degree from the University of Maryland in 2016. Sam has previously written for Investopedia, Benzinga, Seeking Alpha, Wealth Daily and Investment U, and has worked as an editor for Investment U, Wealth Daily and Haven Investment Letter. He is based in Brooklyn, New York. Managing EditorChris Davis is a Managing Editor on the Investing team. As a writer, he covered the stock market, investing strategies and investment accounts, and as a spokesperson, he appeared on NBC Bay Area and was quoted in Forbes, Apartment Therapy, Martha Stewart and Lifewire, among others. His work has appeared in The Associated Press, The Washington Post, MSN, Yahoo Finance, MarketWatch, Newsday and TheStreet. Suppose you’re interested in cryptocurrency — and willing to tolerate the higher level of volatility that comes with it — but you don’t want to mess with manually buying crypto yourself. If that sounds like you, spot crypto ETFs may be worth checking out. Back in 2024, the first spot Bitcoin ETFs and Ethereum ETFs launched, giving investors a way to get exposure to those cryptocurrencies in almost any brokerage account.Since then, a number of other cryptocurrencies have started to be tracked by ETFs. One of the most recent is XRP, also known as Ripple — the fourth-largest cryptocurrency by market cap.Ripple is a crypto payments company whose founders created XRP, its native token. XRP and the blockchain it runs on, the XRP Ledger, are billed as a better way to send money across borders. While the traditional process of sending and receiving money can take days to complete, XRP international transactions can be settled in seconds — and usually for a fraction of the cost.XRP became more widely available to U.S. consumers following the partial resolution of a lawsuit filed against the company by the U.S. Securities and Exchange Commission. A federal judge ruled in July of 2023 that Ripple's sale of XRP on crypto exchanges was not an unregistered sale of securities. And then in Aug. 2025, the SEC dropped its case against Ripple completely, paving the way for the ETFs that are now trading[0]Following larger crypto trends, XRP is down around 11% in the last year, despite the surge following the SEC's entire dismissal of the case in August 2025. Source: CoinGecko.A spot XRP ETF is an exchange-traded fund that invests directly in XRP, similar to how a spot gold ETF invests directly in gold on behalf of its shareholders. The fourth-largest cryptocurrency had a volatile 2025: It traded as low as $1.79 in April, and as high as $3.56 in July. It didn’t fare so well in the second half of last year, but it is already up almost 20% in 2026.Before the SEC approved the first spot XRP ETFs in November 2025, the only ways to get XRP exposure were through crypto exchanges, or through certain XRP-related ETFs that attempt (often imperfectly) to track the price of the cryptocurrency by investing in derivatives such as futures. But now, a half-dozen funds allow investors to buy XRP in ETF form via any brokerage that offers ETFs. We've listed these XRP ETFs from lowest to highest fees. A few funds are currently waiving their fees for a few months in 2026.SymbolFund nameFeeXRPZFranklin Templeton XRP ETF0.19% (waived through May 31, 2026)TOXR21Shares XRP ETF0.30%XRPBitwise XRP ETF0.34%GXRPGrayscale XRP Trust ETF0.35% (waived through Feb. 24, 2026)XRPCCanary XRP ETF0.50%XRPRRex-Osprey XRP ETF0.75%Source: Fund websites. Data is current as of Jan. 7, 2026, and is intended for informational purposes only.More XRP ETFs may launch in the future: A couple of other ETF issuers, such as CoinShares and WisdomTree, have filed paperwork with the SEC for a spot XRP ETF but have not launched them yet.Fees may change: As new funds come online, they may announce fee waivers like those offered by Franklin Templeton and Grayscale, which may create competitive pressure for other issuers to waive their fees. Conversely, the fee waivers from Franklin Templeton and Grayscale are only effective for a few months, and may not apply anymore if you wait a while to buy those funds.More access but less control than actual XRP: Spot XRP ETFs allow investors who don’t have an account with a crypto exchange to profit from the price movements of the world’s fourth-largest cryptocurrency, but the tradeoff is that XRP ETFs offer investors less control over their crypto investment than owning XRP tokens themselves. You can’t send your XRP elsewhere or lend it for a return if you own it indirectly through an ETF — for those features, you’ll need to buy the cryptocurrency itself. » MORE: Best crypto exchangesNeither the author nor editor owned positions in the aforementioned investments at the time of publication.Helpful resourcesDownload the app Disclaimer: NerdWallet strives to keep its information accurate and up to date. 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