XRP Tops BTC, ETH in Institutional Flows As Standard Chartered Lowers 2026 Forecasts

XRP topped institutional inflows into large digital assets as Standard Chartered reduced its 2026 price target for the coin, an indication of growing divergence between capital rotation and macro-opinion.

With net outflows this past week amounting to $173 million and monthly redemptions totaling $3.74 billion, digital asset investment products have now recorded four successive weeks of outflows. Most withdrawals were from Bitcoin and Ethereum investment products.

XRP Gathers Capital as BTC, ETH Experience Outflows

The latest CoinShares weekly report showed that XRP attracted weekly inflows of $33.4 million compared to the outflows of $133 million from Bitcoin and $85.1 million from Ethereum investment products. The XRP ETF inflows remained below that of the previous week, which was $63.1 million, as also reported by CoinShares.

This fund flow implies that the institutions are rotating funds into select altcoins instead of leaving the market altogether. Also, banks are becoming more interested in XRP by investing in an XRP ETF. An example is the Bank of America (BofA), which reported possessing 13,000 shares of the Volatility Shares XRP ETF.

Giant institutional trader Jane Street Group has also become an influential institutional investor, becoming one of the primary forces behind inflows into XRP ETFs. As CoinGape reported, the Group disclosed significant holdings in several XRP ETFs. It ranks as the third largest holder in Bitwise XRP ETF after Sloy Dahl and Hols and Goldman Sachs.

Also, Goldman Sachs announced crypto exposure of over $2.36 billion in their Q4 2025 13F filing. The Wall Street investment bank reported holding XRP worth $153 million.

Meanwhile, Grayscale noted rising interest in XRP among institutional clients, calling it the second-most actively discussed asset, behind Bitcoin. The asset manager indicated that the ongoing requests for this digital asset indicate sustained institutional demand despite current market volatility.

Standard Chartered Cuts Price Outlook

According to a Standard Chartered investor note cited by Bloomberg, the bank lowered its crypto price targets and cut its XRP forecast to $2.80 from $8. It cited the recent market volatility as its reason and expects additional declines in the year for all other major digital assets.

The XRP price surged at the start of the year on strong ETF flows and regulatory momentum. However, the altcoin has since cooled off and is now down 20% year-to-date (YTD). According to SoSoValue data, assets under management for these funds grew to nearly $1.6 billion on January 14, 2026, and have since declined to just above $1 billion.

Standard Chartered had predicted back in December last year that XRP was going to reach the $8 target by year-end 2026, mainly because of institutional demand. However, the bank believes that ETF fatigue may be setting in, which could slow these institutional flows this year.