XRP News Today: Ripple and XRP Await Two Major Regulatory Decisions in October

Ripple and XRP are on the brink of two major regulatory decisions in October that could reshape their future in the financial sector. The U.S. Securities and Exchange Commission (SEC) has delayed its final rulings on several spot XRP exchange-traded fund (ETF) applications—including those from CoinShares, Grayscale, and 21Shares—until late October 2025 [1]. This is the second postponement in the process, with the SEC citing the need for further analysis and public input [2]. The regulator is now under pressure to either approve or reject the proposals by the new deadline, as it cannot extend the review period beyond that date under federal securities law [1].

A potential approval of the XRP ETFs would allow U.S. investors to access the asset through regulated investment vehicles, potentially increasing its liquidity and credibility in institutional markets [1]. Analysts suggest that this could drive demand and support long-term price appreciation, though early investors may initially sell off following confirmation of approval, leading to a short-term pullback [1]. Conversely, a rejection would maintain the current regulatory status but could negatively affect market sentiment in the short term [1].

At the same time, Ripple is awaiting a decision from the Office of the Comptroller of the Currency (OCC) on its application for a U.S. national banking charter [1]. The company submitted its formal request on July 2, 2025, and the OCC is expected to make a ruling by late October, barring any extensions [1]. If granted, Ripple would be authorized to operate as a national bank, enabling it to offer a broader range of financial services beyond cross-border payments [1]. This could position Ripple as a major player in the U.S. financial system, particularly if it continues to hold a significant amount of XRP on its balance sheet [1].

The potential outcomes of both decisions are intertwined, with October likely serving as a defining period for Ripple and XRP. Attorney Bill Morgan, a prominent figure in the XRP community, has highlighted the significance of the month, noting that either approval or rejection of the ETFs could influence institutional adoption and market dynamics [1]. Meanwhile, financial commentator Zach Rector has pointed to the potential for short-term price volatility driven by ETF-related expectations, though he anticipates sustained demand from long-term investors [1].

Together, the SEC and OCC decisions represent a critical juncture for Ripple and XRP. If both approvals are granted, the token could see increased institutional adoption and broader market integration, while Ripple could emerge as a formidable player in the U.S. banking landscape. These developments may ultimately redefine XRP’s role in the global digital asset ecosystem [1].

Source: [1] Two Big Decisions to Change Everything for Ripple and XRP in October (https://timestabloid.com/two-big-decisions-to-change-everything-for-ripple-and-xrp-in-october/)

[2] XRP News Today: Regulators Prolong XRP ETF Decision (https://www.ainvest.com/news/xrp-news-today-regulators-prolong-xrp-etf-decision-price-volatility-institutional-push-2508/)