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(Tamisclao / Shutterstock.com)
XRP (CRYPTO:XRP) has spent the better part of two years working through regulatory uncertainty, and now that the dust has settled, a new question has emerged for mainstream investors around how to actually get exposure.
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Buying XRP directly means setting up a crypto exchange account, managing a wallet, and navigating custody decisions that most traditional investors would rather avoid. The good news is that you no longer have to, as a growing lineup of spot XRP ETFs lets you buy and sell XRP exposure through a standard brokerage account, the same way you’d buy any stock or fund.
As it stands today, there are three funds that stand out right now, each of which comes from a well-known issuer, and all three have their own distinct fee structures you should know and understand before you buy.
The Cost Leader: Franklin Templeton XRP ETF
Franklin Templeton entered the XRP ETF market with arguably the most competitive fee on the list through the Franklin Templeton XRP ETF (NASDAQ:XRPZ), which carries an expense ratio of 0.19%, currently the lowest among the available spot XRP funds. It has already attracted $231.1 million in total assets, a meaningful early vote of confidence for investors.
The NAV as of March 19, 2026, sits at $15.72, with a 12-month range of $12.38 to $26.09, and this range reflects XRP’s price trajectory over the past 12 months, with strong early gains followed by a pullback that has stabilized in the mid-teens. For investors who want clean, low-cost XRP exposure with the Franklin Templeton name behind it, this fund is the straightforward starting point.
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It’s worth noting that the 0.19% expense fee, while already the cheapest on this list, was previously waived through May 31, 2026. This waiver has now expired, meaning investors are paying the full, though still highly competitive, 0.19% rate.
The Legacy Name: Grayscale XRP Trust ETF
Grayscale needs no introduction in the digital asset ETF space, and the Grayscale XRP Trust ETF (NYSE:GXRP) brings that institutional credibility to the XRP market. With $68.7 million in total assets and a NAV of $28.03, the Grayscale XRP Trust ETF is the smallest of the three funds here by AUM but carries the weight of Grayscale’s established custody infrastructure and investor recognition.
It’s definitely worth noting that the fee structure deserves a careful read, as Grayscale is offering a 0.00% gross expense ratio for the first three months on the first one billion in assets, a promotional waiver designed to attract early inflows.
Investors who are considering GXRP should factor in where they are relative to that waiver window before committing, as the post-waiver fee is the highest among these three funds. The year range of $22.09 to $46.51 also shows a wider swing than its peers, which reflects both the underlying XRP volatility and the fund’s price structure.
The Crypto-Native Option: Bitwise XRP ETF
The Bitwise XRP ETF (NYSE:XRP) carries one of the more attention-grabbing tickers in the ETF universe, but it’s important to be clear that this fund tracks XRP’s price, not XRP itself. Owning shares of the Bitwise XRP ETF means owning an exchange-traded product managed by Bitwise, not holding the underlying cryptocurrency directly.
This said, Bitwise has built a strong reputation as one of the most research-driven and crypto-focused ETF issuers in the market, and the Bitwise XRP ETF reflects that pedigree. Total assets stand at $279.3 million, the largest of the three funds covered here, with a NAV of $16.19 and a year range of $12.77 to $26.88. The expense ratio is 0.34%, sitting between the Grayscale XRP Trust ETF and Franklin Templeton’s permanent low-cost structure.
For investors who value issuer expertise specifically in digital assets and want the largest, most liquid of these three options, the Bitwise XRP ETF makes a compelling case.
Which One Makes Sense for You
All three funds track the same underlying assets and offer the same core benefit: XRP exposure through a brokerage account, without the friction of direct crypto ownership. The decision comes down to cost, issuer preference, and fund size. Franklin Templeton wins on fees at 0.19%, while Bitwise leads on assets at $279.3 million. Grayscale offers a temporary fee advantage before reverting to the highest ongoing rate of the three. If you know which factor is the most important to you, the choice largely makes itself.
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