JPMorgan has forecasted that XRP could see between $4.3 billion and $8.4 billion in ETF inflows within its first year, contingent on the availability of a regulated product. This projection underscores XRP's increasing institutional appeal, driven by its banking partnerships and a clearer regulatory framework. The cryptocurrency's utility in cross-border payments positions it as a strong candidate for institutional investment. In addition to XRP, Solana is anticipated to attract approximately $6 billion in inflows. Despite this, XRP's financial integrations are highlighted as more robust. However, some industry skeptics question whether XRP's potential will lead to widespread adoption by major financial institutions such as SWIFT or Western Union.