Big News for XRP Holders

In a defining moment for crypto adoption, XRP is now officially accessible to everyday investors through a regulated U.S. investment vehicle. On July 1, 2025, the SEC approved the conversion of Grayscale’s Digital Large Cap Fund (GDLC) into a spot exchange-traded fund (ETF), opening the door for broad retail access to XRP, alongside Bitcoin, Ethereum, Solana, and Cardano.

The news, highlighted by Nate Geraci, president of the ETF Store was hailed as a “full circle moment.” After nearly five years of SEC litigation against Ripple, XRP’s inclusion in a regulated ETF signals a turning point in its journey toward institutional legitimacy.

From Courtroom to Trading Floor

Since the SEC filed its lawsuit against Ripple Labs in December 2020, XRP has faced legal and regulatory hurdles that limited its availability on major U.S. platforms. The litigation cast a long shadow over the token’s reputation and accessibility. But with this ETF approval, XRP is entering a new era, reclaiming its seat at the table of mainstream finance.

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Now, investors no longer need to navigate crypto exchanges or self-custody wallets to gain exposure to XRP. Instead, they can simply buy shares of the Grayscale Digital Large Cap ETF on NYSE Arca, just like they would any traditional stock or fund.

What the ETF Includes

Grayscale’s ETF will track a diversified portfolio of top cryptocurrencies. According to the latest composition, approximately 80% of the fund is allocated to Bitcoin, 11% to Ethereum, and about 4.8% to XRP alongside smaller portions of Solana and Cardano. For XRP, even a modest share in a regulated ETF marks a huge leap forward, given its previously restricted status during the SEC case.

The approval also affirms the SEC’s growing willingness to allow exposure to cryptocurrencies beyond just Bitcoin and Ethereum, especially through multi-asset structures.

A Strategic Win for XRP and the Market

Nate Geraci underscored the importance of this development, noting that for the first time, U.S. investors can now access XRP through a fully regulated, SEC-approved product. This provides exposure without the complexities of navigating crypto-specific infrastructure, while also offering tax advantages and simplified portfolio integration.

The ETF structure also adds an important layer of legitimacy to XRP. Its presence in a vetted investment product sends a strong message to the broader financial market: XRP has passed a major regulatory test, and institutional doors are opening.

Looking Ahead

This approval may pave the way for more focused XRP-based investment products in the future. As market demand grows, standalone XRP ETFs could emerge, much like what happened with Bitcoin. Additionally, this move may accelerate similar approvals for other altcoins, especially under a more crypto-friendly regulatory environment.

For long-time XRP holders, this milestone represents more than convenience, it’s vindication. After enduring years of uncertainty, the token now stands proudly alongside the industry’s biggest assets in a fund built for traditional investors.

As Geraci aptly put it: “After nearly five years of SEC vs Ripple litigation… full circle moment.”

XRP has arrived.

Disclaimer*: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.*