- Analyst X Finance Bull warns XRP may be nearing a supply shock as institutional demand accelerates through spot ETFs.
- ETF issuers have already locked up about 0.58% of circulating XRP.
- If accumulation continues, the analyst predicts a sudden non-linear price repricing.
A prominent crypto analyst known as X Finance Bull claims XRP may be approaching a major supply shock driven by accelerating institutional accumulation through spot exchange-traded funds.
In a new post, the analyst argued that while Bitcoin and Ethereum ETFs sparked strong demand, XRP’s situation is fundamentally different due to the asset’s underlying utility.
“BTC and ETH are store-of-value assets. XRP is a utility asset built to move value instantly, globally, and at scale,” the analyst wrote, suggesting that its role in cross-border payments makes it uniquely positioned for institutional preference.
XRP’s Utility Cited as Key Institutional Driver
According to the commentary, XRP’s utility as a settlement asset for international payments, a market measured in the trillions, places it in a different category from traditional crypto investment vehicles.
The analyst suggested that banks, payment service providers, liquidity hubs, and financial institutions may increasingly turn to XRP as infrastructure shifts toward real-time value transfer. “It’s solving a trillion-dollar problem,” the analyst said. “That means institutions and traditional investors are going to choose XRP.”
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🚨🚨🚨 $XRP is entering a supply shock nobody is ready for👇
Bitcoin and Ethereum ETFs were bullish.
But XRP Spot ETFs are different and way more EXPLOSIVE
BTC and ETH are store-of-value assets.
XRP is a utility asset built to move value. Instantly, globally, and at scale.… https://t.co/rL259kY272 pic.twitter.com/KbffUFVA5u
— X Finance Bull (@Xfinancebull) December 1, 2025
ETF Accumulation Already Locking Up Supply
The core of the analyst’s warning centers on the amount of XRP already being absorbed by spot ETFs. According to the data cited, approximately 0.58% of the circulating supply has already been locked away by ETF issuers, a figure the analyst says is rising at a pace the market has not yet priced in.
He argues that, unlike speculative exchange trading, ETF holdings tend to remove coins from liquid circulation for long periods, creating material supply constraints. “This is math,” he wrote. “Supply is vanishing. Demand is institutional.”
Analyst Predicts a Non-Linear Price Reaction
The post suggests that if ETF accumulation continues at its current trajectory, XRP’s price may not rise gradually. Instead, the analyst predicts that the market could experience a sudden repricing event similar to historical parabolic runs seen in other assets under constrained supply.
“Price? It won’t crawl. It’ll explode,” he said, adding that the current pattern of accumulation mirrors early stages of previous market surges.
A “Wake-Up Call” for Investors
X Finance Bull concluded with a warning to retail investors that the window to notice the trend is narrowing. With institutional appetite expanding and more XRP allegedly being absorbed into ETF products, the analyst suggests the market is approaching a structural turning point. “If you’re not paying attention to XRP yet, this is your wake-up call,” he said.
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