When a $1.5 trillion asset management giant enters the XRP ETF space with the industry's lowest fees, the market pays attention. Franklin Templeton's XRPZ, launched on November 24, 2025, represents the moment Wall Street's old guard fully embraced XRP.
Fund Overview
| Ticker Symbol | XRPZ |
| Exchange | NYSE Arca |
| Launch Date | November 24, 2025 |
| Expense Ratio | 0.19% |
| Issuer AUM | $1.5+ Trillion |
| Fund Type | Spot XRP ETF |
| Issuer Website | franklintempleton.com |
Why Franklin Templeton Matters
Franklin Templeton isn't just another ETF issuer. Founded in 1947, they've been managing money for nearly 80 years. They oversee over $1.5 trillion in assets across mutual funds, ETFs, and institutional accounts.
What This Means for XRP
- Legitimacy: A company this size doesn't enter a market frivolously. Their presence signals XRP has arrived
- Distribution: Franklin Templeton's relationships with financial advisors and institutions open XRP to new investors
- Staying Power: Unlike smaller issuers, Franklin won't exit if things get rough
- Regulatory Comfort: Their compliance infrastructure is unmatched
The Lowest Fee in the Market
At just 0.19% annually, XRPZ offers the lowest expense ratio among all XRP ETFs. This isn't a promotional rate—it's Franklin Templeton using their scale to undercut the competition.
Fee Comparison
| ETF | Expense Ratio | $10K Annual Fee |
|---|---|---|
| Franklin Templeton (XRPZ) | 0.19% | $19 |
| Bitwise (XRP) | 0.34% | $34 |
| Canary Capital (XRPC) | 0.50% | $50 |
| REX-Osprey (XRPR) | 0.75% | $75 |
| Grayscale (GXRP) | 0.35% | $35 |
Long-Term Fee Impact
Over a 20-year holding period with $50,000 invested (assuming 8% annual returns):
- At 0.19% (XRPZ): ~$9,500 in fees
- At 0.34% (Bitwise): ~$16,800 in fees
- At 0.75% (XRPR): ~$35,800 in fees
The difference between XRPZ and XRPR over 20 years is over $26,000. Fees matter.
Institutional Credibility
Franklin Templeton brings something no crypto-native issuer can: decades of institutional relationships.
Who Uses Franklin Templeton?
- Pension Funds: State and corporate pensions
- Endowments: University and foundation endowments
- Financial Advisors: RIAs and wirehouses nationwide
- Sovereign Wealth Funds: Government investment vehicles
- Insurance Companies: General accounts and separate accounts
Many of these institutions have "approved lists" of asset managers they can use. Franklin Templeton is on virtually all of them. This means XRPZ may be the only XRP ETF available to certain institutional investors.
Fresh Off the Launch Pad
XRPZ launched on November 24, 2025—just days ago as of this writing. While it's too early for comprehensive performance data, here's what we know:
- Launch Day: Strong institutional interest from day one
- Volume: Second-highest daily volume among newly launched ETFs
- Holdings: Rapidly accumulating XRP
- Tracking: Trading close to NAV with minimal premium/discount
Early Advantages
Being the newest entrant has some benefits:
- Optimized Structure: Learned from competitors' experiences
- Competitive Pricing: Set fees knowing the market landscape
- Modern Infrastructure: Built with current best practices
How to Buy XRPZ
- Open any major brokerage account (Fidelity, Schwab, Vanguard, etc.)
- Search for "XRPZ" on NYSE Arca
- Verify it's Franklin Templeton's fund
- Place your order (market or limit)
- Consider holding in an IRA for tax-advantaged growth
Given Franklin Templeton's institutional relationships, XRPZ may also be available through platforms not yet offering other XRP ETFs.
Franklin vs. Competitors
XRPZ vs. Bitwise (XRP)
| Factor | XRPZ (Franklin) | XRP (Bitwise) |
|---|---|---|
| Fee | 0.19% ✓ | 0.34% |
| Issuer Size | $1.5T ✓ | $5B |
| Crypto Experience | Newer | Since 2017 ✓ |
| Ticker | XRPZ | XRP ✓ |
| Track Record | Days old | Weeks old |
XRPZ vs. Canary Capital (XRPC)
| Factor | XRPZ (Franklin) | XRPC (Canary) |
|---|---|---|
| Fee | 0.19% ✓ | 0.50% |
| Holdings | Growing | 146M XRP ✓ |
| First Mover | No | Yes ✓ |
| Institutional Access | Superior ✓ | Limited |
Track XRPZ Performance
Watch Franklin Templeton's XRPZ on our live dashboard. Monitor daily volume rankings, compare AUM growth across all XRP ETFs, and track the race to 1 billion XRP.
View all XRP ETF data including AUM, holdings, and flows updated every 60 seconds.
Compare alternatives: Bitwise XRP ETF | Canary Capital XRP ETF | Grayscale XRP ETF
Related Reading
- What is an XRP ETF? - Complete beginner's guide
- How to Invest in XRP ETFs - Step-by-step instructions
- Understanding ETF Flows - Learn to read market signals
- XRP ETF Comparison - Compare all XRP ETFs
Frequently Asked Questions
What is the expense ratio for Franklin Templeton XRPZ?
Franklin Templeton XRPZ has the lowest expense ratio among all XRP ETFs at just 0.19%, making it the most cost-effective option for long-term investors.
What is the ticker symbol for Franklin Templeton XRP ETF?
The Franklin Templeton XRP ETF trades under the ticker symbol "XRPZ" on NYSE Arca.
How big is Franklin Templeton as an asset manager?
Franklin Templeton manages over $1.5 trillion in assets globally, making it one of the largest and most established asset managers to offer an XRP ETF.
Why should I choose Franklin Templeton XRPZ over other XRP ETFs?
Franklin Templeton XRPZ offers the lowest fees (0.19%), backing from a $1.5 trillion asset manager, and institutional-grade infrastructure. It is ideal for cost-conscious long-term investors.
Sources
Disclaimer: This article is for educational purposes only and does not constitute investment advice. Past performance does not guarantee future results. Cryptocurrency investments are volatile. Always conduct your own research.
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