With 7 XRP investment options now trading in the US, choosing the right one can be overwhelming. We've analyzed every option across fees, liquidity, AUM, and performance to help you find the best XRP ETF for your investment goals.
What is the best XRP ETF to buy in 2026? The best XRP ETF for most investors is Franklin Templeton XRPZ due to its industry-lowest 0.19% expense ratio. For investors prioritizing liquidity and trading volume, the Bitwise XRP ETF (ticker: XRP) is the best choice.
Quick Answer: Best XRP ETF for Most Investors
Our Top Pick: Franklin Templeton XRPZ
Franklin Templeton XRPZ is the best XRP ETF for most investors due to its industry-lowest 0.19% expense ratio. Backed by a $1.5 trillion asset manager, XRPZ offers institutional-grade security at the lowest cost.
Runner-up: Bitwise XRP ETF for investors who prioritize trading volume and liquidity.
Best XRP ETF by Category
| Category | Best ETF | Why |
|---|---|---|
| Lowest Fees | XRPZ | 0.19% expense ratio |
| Highest Liquidity | XRP (Bitwise) | Highest daily volume |
| Largest Fund | XRPC | $376M AUM, most XRP held |
| Leveraged Exposure | XRPT | 2x daily XRP performance |
All XRP ETFs Compared (January 2026)
Here is a complete comparison of all XRP ETFs currently trading in the United States:
| ETF | Ticker | Expense Ratio | AUM | XRP Holdings | Exchange |
|---|---|---|---|---|---|
| Canary Capital | XRPC | 0.35% | $376M | 180.5M | NYSE Arca |
| Bitwise | XRP | 0.34% | $300M | 144.1M | NYSE Arca |
| Franklin Templeton | XRPZ | 0.19% | $280M | 134.1M | Cboe BZX |
| Grayscale | GXRP | 0.35%* | $271M | 130.0M | NYSE Arca |
| 21Shares | TOXR | 0.30% | $251M | 118.5M | Cboe BZX |
| REX-Osprey | XRPR | 0.75% | $105M | 46.5M | Cboe BZX |
| Bitwise 10 Index | BITW | 2.50% | $62M** | 27.5M | NYSE Arca |
*Grayscale fee waiver active until Feb 2026. **BITW XRP allocation only (5.5% of total fund).
Best XRP ETF for Low Fees: Franklin Templeton XRPZ
Franklin Templeton XRPZ offers the lowest expense ratio in the XRP ETF market at just 0.19%. This is 44% cheaper than Bitwise and nearly half the cost of most competitors.
Fee Savings Over Time
On a $10,000 investment, here's what you'd pay in fees over different time periods:
| ETF | 1 Year | 5 Years | 10 Years |
|---|---|---|---|
| XRPZ (0.19%) | $19 | $95 | $190 |
| TOXR (0.30%) | $30 | $150 | $300 |
| XRP/Bitwise (0.34%) | $34 | $170 | $340 |
| XRPR (0.75%) | $50 | $250 | $500 |
Over 10 years, choosing XRPZ over XRPR saves you $310 per $10,000 invested. For larger portfolios, these savings compound significantly.
Why We Recommend XRPZ for Long-Term Investors
- Lowest fees: 0.19% expense ratio
- Institutional backing: Franklin Templeton manages $1.5 trillion
- Strong AUM: $280M shows solid investor confidence
- Established brand: 75+ years of investment management
Best XRP ETF for Liquidity: Bitwise XRP
Bitwise XRP ETF (ticker: XRP) consistently leads in daily trading volume, making it the best choice for active traders and investors who need to move in and out of positions quickly.
Why Liquidity Matters
- Tighter spreads: Higher volume means lower bid-ask spreads
- Better execution: Large orders fill without moving the price
- Flexibility: Easy to enter and exit positions
Why We Recommend Bitwise for Active Traders
- Highest volume: Consistently leads daily trading volume
- Premium ticker: Simple "XRP" ticker aids discoverability
- Competitive fees: 0.34% is reasonable for the liquidity benefit
- Crypto expertise: Bitwise is a crypto-native asset manager
Best XRP ETF for Beginners: Bitwise XRP or XRPZ
For beginners, we recommend either Bitwise XRP or Franklin Templeton XRPZ:
- Bitwise XRP: Easy to find with the simple "XRP" ticker, high liquidity
- Franklin XRPZ: Set-and-forget with lowest fees for long-term holding
How to Buy Your First XRP ETF
- Open a brokerage account (Fidelity, Schwab, Vanguard, Robinhood, etc.)
- Search for the ticker: "XRP" (Bitwise) or "XRPZ" (Franklin)
- Place a market or limit order
- Hold for your desired timeframe
Read our complete guide: How to Invest in XRP ETFs
Best XRP ETF for IRA/401k: Any Spot ETF
A major advantage of XRP ETFs over buying XRP directly is retirement account eligibility. All spot XRP ETFs can be held in:
- Traditional IRA: Tax-deferred growth
- Roth IRA: Tax-free growth (if rules followed)
- 401k/403b: If your plan offers brokerage window
- SEP IRA: For self-employed investors
Our IRA Recommendation
For retirement accounts, we recommend Franklin Templeton XRPZ due to its lowest fees. In a retirement account where you're holding for decades, the 0.19% expense ratio advantage compounds significantly.
Learn more: XRP ETF vs Buying XRP Directly
How to Choose the Right XRP ETF
Consider these factors when selecting an XRP ETF:
1. Expense Ratio
For long-term holders, fees matter most. XRPZ (0.19%) or TOXR (0.30%) are the best value.
2. Trading Volume
For active traders, liquidity is crucial. Bitwise XRP leads in volume.
3. AUM (Fund Size)
Larger funds (XRPC, XRP, XRPZ) have lower closure risk and better tracking.
4. Your Broker
Check which ETFs your broker offers commission-free. Some brokers have partnerships with specific issuers.
5. Tax Situation
For taxable accounts, consider tax efficiency. For retirement accounts, focus on fees.
XRP ETFs to Avoid
We recommend avoiding these options for most investors:
- 2x Leveraged ETFs (XRPT, UXRP): High fees, volatility decay, only for short-term trading
- XRPR (REX-Osprey): Highest fees (0.75%) with no clear advantage
- BITW for XRP exposure: Only 5.5% XRP allocation, high 2.50% fee
Track All XRP ETFs Live
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Related Articles
- XRP ETF Fees Compared: Complete 2026 Guide
- XRP ETF vs Buying XRP: Which Is Better?
- How to Invest in XRP ETFs
- XRP ETF Comparison 2025
Frequently Asked Questions
What is the best XRP ETF to buy in 2026?
The best XRP ETF for most investors is the Franklin Templeton XRP ETF (XRPZ) due to its industry-lowest 0.19% expense ratio. For investors prioritizing liquidity and trading volume, the Bitwise XRP ETF (ticker: XRP) is the best choice with the highest daily trading volume.
Which XRP ETF has the lowest fees?
Franklin Templeton XRPZ has the lowest expense ratio at 0.19%, making it 44% cheaper than Bitwise (0.34%) and 46% cheaper than Grayscale (0.35%). Over 10 years, this fee difference can save investors thousands of dollars.
How many XRP ETFs are there in 2026?
As of January 2026, there are 7 XRP investment options trading in the United States: Canary Capital (XRPC), Bitwise (XRP), Franklin Templeton (XRPZ), Grayscale (GXRP), 21Shares (TOXR), REX-Osprey (XRPR), and Bitwise 10 Index (BITW) which has partial XRP exposure.
What is the largest XRP ETF by AUM?
Canary Capital XRPC is the largest XRP ETF with approximately $376 million in assets under management (AUM) as of January 2026, followed by Bitwise XRP ETF at $300 million and Franklin Templeton XRPZ at $280 million.
Can I buy XRP ETFs in my IRA or 401k?
Yes, XRP ETFs can be purchased in traditional IRAs, Roth IRAs, and 401k accounts through most major brokerages. This is a key advantage over buying XRP directly on crypto exchanges, which typically cannot be held in retirement accounts.
Is Bitwise or Grayscale XRP ETF better?
Bitwise XRP ETF is generally better due to slightly lower fees (0.34% vs 0.35%) and significantly higher trading volume. However, Grayscale offers a fee waiver until February 2026, temporarily making it cheaper. For long-term investors, Bitwise is the better choice.
Sources
Disclaimer: This article is for educational purposes only and does not constitute investment advice. ETF fees and data as of January 2026. Past performance does not guarantee future results. Always conduct your own research before investing.
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