XRP News Today: SEC's Expedited ETF Rules Drive XRP's $12 Price Projections

XRP's potential price surge following U.S. Securities and Exchange Commission (SEC) approval of spot ETFs has drawn significant attention from analysts, with multiple predictions suggesting the token could rise to double-digit figures. Financial commentator Zach Rector, citing institutional accumulation and regulatory developments, anticipates XRP reaching $10 once ETFs are approved, citing a conservative market cap multiplier of 54.4x. This model, based on a $10 billion inflow, could elevate XRP's market capitalization by approximately $544 billion, pushing the price toward $12 within weeks of trading TheCryptoBasic^[1].

The SEC's recent procedural changes, including streamlined approval processes for crypto ETFs, have accelerated the timeline for XRP products. As of October 2025, six major ETF applications from firms like Grayscale, Bitwise, and 21Shares are set for rulings between October 18 and October 25. Analysts estimate that approvals could unlock $4 billion to $15 billion in institutional inflows, creating immediate demand for XRP. Canary Capital's CEO, Steve McClurg, raised his projection to $10 billion in first-month inflows, suggesting a potential price target of $12. If the multiplier effect aligns with historical patterns, such as the 601x surge observed on April 12, 2025, when $12.87 million in inflows drove a $7.74 billion market cap increase, XRP could see even steeper gains CoinCentral^[5].

Market analysts have varied but overlapping price targets. Rector's $15 projection, based on a 200x multiplier applied to JPMorgan's $4 billion inflow estimate, assumes a $925 billion market cap and a circulating supply of 60 billion tokens. Meanwhile, McClurg's $26 target hinges on a 272x multiplier applied to $5 billion in inflows, reflecting strong institutional adoption and XRP's dominance in the payments sector . Google Gemini's analysis, though more conservative, suggests a $10–$16 range by December 2025 if all ETFs gain approval, emphasizing XRP's potential to outperform Ethereum ETFs due to the absence of staking rewards TheCryptoBasic^[2].

Institutional activity underscores these forecasts. Santiment data reveals $1.75 billion in institutional XRP accumulation from August to October 2025, while Teucrium's leveraged XRP ETF already attracted $300 million in inflows, signaling robust demand TheCryptoBasic^[1]. The SEC's limited operations during the government shutdown have delayed approvals, but the Generic Listing Standards framework allows issuers to expedite filings once normal operations resume TheCryptoBasic^[1].

Risks remain, including regulatory delays, structural constraints (e.g., derivative-based ETFs reducing spot demand), and macroeconomic volatility. Ethereum ETFs, for instance, have seen modest inflows of $2.28 billion since July 2024, suggesting potential underperformance for altcoin ETFs. However, XRP's unique position in cross-border payments and Ripple's partnerships with institutions like BNY Mellon and Santander provide a foundation for sustained demand CoinJournal^[6].

The XRP community and market sentiment remain bullish. With nine U.S. firms and Brazil's first XRP ETF approval, the asset's institutional legitimacy is growing. Polymarket odds of U.S. approval by year-end stand at 78%, and Rector's analysis highlights the "buy the rumor, sell the news" risk if inflows fall short of expectations .