XRP News Today: Ripple Faces Two Key October Decisions on XRP ETF and Bank Charter

Legal and regulatory developments are poised to shape the future of Ripple and XRP in October 2025. Two key decisions—one from the U.S. Securities and Exchange Commission (SEC) and the other from the Office of the Comptroller of the Currency (OCC)—are expected to provide clarity on the token’s market access and the company’s financial standing. These outcomes could redefine XRP’s role in the global digital asset landscape [2].

The first decision centers on the SEC’s evaluation of proposed spot XRP exchange-traded funds (ETFs). Applications from major firms such as CoinShares, Grayscale, and 21Shares have been deferred until late October, marking the final review period allowed by federal securities law. If approved, these ETFs would enable U.S. investors—both institutional and retail—to gain regulated exposure to XRP through traditional financial channels. Analysts suggest this could enhance the token’s liquidity and credibility, while a rejection would likely maintain the current regulatory environment [1].

The second decision involves Ripple’s application for a U.S. national banking charter. Submitted on July 2 to the OCC, the company is seeking the authority to operate as a federally chartered bank. If granted, Ripple would be able to offer a broader range of financial services and operate under a regulatory framework that could strengthen its institutional legitimacy. The OCC is required to issue a ruling within 120 days unless an extension is formally requested, which would place a potential decision in late October [3]. Analysts note that the charter could position Ripple among major U.S. financial institutions, particularly if it maintains a significant portion of XRP on its balance sheet [4].

Commentary from market observers suggests that October will be a decisive period for Ripple and XRP. The simultaneous timing of the SEC’s ETF decision and the OCC’s banking charter review highlights the significance of regulatory clarity for the token’s trajectory. Financial commentator Zach Rector has speculated that ETF approval could drive short-term upward momentum in XRP’s price, though early selling pressure might emerge after the announcement. Over the long term, however, sustained inflows into XRP ETFs could support a more substantial price movement [5].

The combined impact of these developments could mark a turning point for Ripple and XRP, with regulatory approval broadening market access and enhancing institutional credibility. As the SEC and OCC prepare to finalize their decisions, the outcomes will likely influence how XRP is perceived and utilized within the broader financial ecosystem [2].

Sources:

[1] title: Delayed SEC Ruling on XRP ETF Sparks Debate Over ...

url: https://bravenewcoin.com/insights/xrp-news-today-delayed-sec-ruling-on-xrp-etf-sparks-debate-over-ripple-price-trajectory

[2] title: Two Big Decisions to Change Everything for Ripple and ...

url: https://timestabloid.com/two-big-decisions-to-change-everything-for-ripple-and-xrp-in-october/

[3] title: Ripple Awaits U.S. Bank License and XRP ETF Approval in ...

url: https://www.gate.com/de/post/status/13144576

[4] title: Here Are the Two Big Decisions Facing XRP and Ripple ...

url: https://thecryptobasic.com/2025/08/19/here-are-the-two-big-decisions-facing-xrp-and-ripple-this-october/

[5] title: 3 Reasons to Buy XRP Before 2026

url: https://www.nasdaq.com/articles/3-reasons-buy-xrp-2026