Goldman Sachs bought it too… Can retail investors trust and ride the wave of XRP chosen by institutions?

▲ XRP, Goldman Sachs/AI generated image ©

As XRP (Ripple) begins to be chosen by global financial institutions despite regulatory uncertainties, institutional adoption is emerging as a key indicator for increasing retail trader confidence.

According to cryptocurrency media outlet Watcher.Guru on May 10 (local time), XRP experienced a difficult period after its lawsuit with the U.S. Securities and Exchange Commission (SEC) in 2020 but gained regulatory clarity through a settlement. In particular, market confidence surged after a U.S. court ruled that individual purchases of XRP do not constitute a security, which served as a catalyst for XRP to reach an all-time high of $3.65 on July 18, 2026.

The most powerful means of demonstrating institutional investor participation is XRP spot ETFs. Several spot ETFs launched in late 2026 have provided a channel for institutions to enter the market without directly holding the asset. For example, global financial institution Goldman Sachs announced earlier this year that it holds approximately $153.8 million worth of XRP ETFs, and this inflow of large capital is interpreted as a strong signal of confidence in the market.

As seen in the past cases of Bitcoin (BTC) and Ethereum (ETH), institutional funds are a major driver of price increases. Large asset management firms like BlackRock and VanEck entered the market through spot ETFs, leading major cryptocurrencies to hit new highs in 2024 and 2025. The media predicted that XRP is highly likely to show a similar upward pattern once the current bear market concludes.

However, institutional support does not necessarily guarantee price stability. According to CoinGecko data, the price of XRP is currently undergoing a sharp correction, having fallen by over 62% from its 2025 peak. This demonstrates that while institutional funds can improve investor sentiment and build confidence, they cannot fully offset the inherent high volatility of cryptocurrencies.

Ultimately, active institutional adoption is a positive factor for XRP's long-term survival and growth, but investors should always be mindful of market volatility. Experts advised that it is crucial to simultaneously monitor the inflow of institutional funds and market technical indicators.

*Disclaimer: This article is for investment reference only, and we are not responsible for any investment losses based on it. The content should be interpreted for informational purposes only.*