XRP News Today: Big Banks vs. Ripple: XRP's Recovery Hinges on Regulatory Showdown

XRP has recently demonstrated resilience following a significant price correction, with the token rebounding from a 41% drop below $2.00 to trade at $2.62 as of October 13, 2025 . The decline, triggered by macroeconomic tensions and regulatory uncertainty, saw $19 billion in leveraged positions liquidated across the crypto market within 24 hours. Analysts attribute the recovery to institutional buying pressure and improved sentiment around Ripple's banking integrations, which are seen as a catalyst for long-term price appreciation. Technical indicators suggest that XRP has regained control, with the RSI showing fading bearish momentum and key resistance levels at $2.72 and $3.05 now in focus .

Ripple's strategic push into traditional finance has gained momentum, with the company submitting a national bank charter application to the Office of the Comptroller of the Currency (OCC) in July 2025. The filing, made public by the OCC, outlines plans to establish a federally regulated trust bank, positioning Ripple to offer custody services and potentially access the Federal Reserve's payment infrastructure . Approval, expected by October 2025, would grant Ripple parity with traditional banks and enhance the legitimacy of its stablecoin, RLUSD, by enabling direct Fed custody . This move aligns with broader industry trends, as crypto firms like Coinbase, Circle, and Paxos also seek federal charters to reduce reliance on intermediaries and expand institutional adoption .

The potential approval of XRP spot ETFs in October 2025 is another critical catalyst. Analysts estimate that ETF inflows could reach $5–$8 billion in the first month, driven by institutional demand to purchase XRP directly from the market . Unlike Bitcoin, where retail investors frequently trade, XRP holders tend to be long-term, creating a "supply shock" if institutions must bid higher prices to secure tokens. This dynamic, combined with Ripple's regulatory progress, could unlock substantial capital flows and further solidify XRP's role in institutional portfolios .

However, Ripple faces opposition from major banks, including JPMorgan, Citigroup, and Bank of America, through the Bank Policy Institute (BPI). The group has criticized the speed of the OCC's review process and raised concerns about regulatory clarity for crypto assets . Despite this, Ripple's partnerships with financial institutions and its legal victories against the SEC-affirming XRP's non-security status-have bolstered confidence in its ecosystem . The company's On-Demand Liquidity (ODL) solution, which uses XRP as a bridge currency, has already been adopted by remittance providers like Tranglo and SBI Remit, demonstrating its utility in cross-border transactions .

Technical analysis highlights mixed signals for XRP's near-term trajectory. While the 4-hour MACD remains bearish, the RSI's upward trend suggests buyers are regaining control. If XRP holds above $2.80, it could target $3.15 resistance, with a successful breakout potentially leading to $3.60 . Conversely, a failure to maintain support at $2.97 could trigger a retest of $2.80 or even $2.72 . On-chain data reveals increased institutional activity, with large holders accumulating XRP during the October dip .

Looking ahead, the interplay between regulatory developments and market dynamics will shape XRP's path. The OCC's decision on Ripple's charter, expected by October 2025, and the SEC's rulings on XRP ETFs are pivotal. If approved, these milestones could catalyze a surge in institutional adoption, mirroring Bitcoin's ETF-driven rally. Meanwhile, Ripple's Swell 2025 conference in November and ongoing partnerships with banks and stablecoin projects may further enhance XRP's utility .

[1] XRP could extend recovery toward $2.80; Check forecast (https://invezz.com/news/2025/10/13/xrp-could-extend-recovery-toward-2-80-check-forecast/)

[2] XRP Price Pulls Back 8% – What to Expect in October (https://coincentral.com/xrp-price-pulls-back-8-what-to-expect-in-october/)

[4] XRP Defies Gravity: A Deep Dive into Its Rapid Rebound After a Massive Flash Crash and Liquidations (https://markets.financialcontent.com/redlandsdailyfacts/article/breakingcrypto-2025-10-13-xrp-defies-gravity-a-deep-dive-into-its-rapid-rebound-after-a-massive-flash-crash-and-liquidations)

[5] XRP Price Prediction After October 2025 ETF Approvals (https://coinpedia.org/news/xrp-price-prediction-after-october-2025-etf-approvals/)

[6] Ripple National Trust Bank Charter Filing Goes Public (https://www.cryptotimes.io/2025/10/06/ripple-national-trust-bank-charter-filing-goes-public/)

[7] Here's How High XRP Can Reach if Ripple Gets a Banking License (https://thecryptobasic.com/2025/07/03/heres-how-high-xrp-can-reach-if-ripple-gets-a-banking-license/)

[9] Ripple's Bank Charter Faces Block from 42 Big Banks (https://coinpedia.org/news/ripples-bank-charter-faces-block-from-42-big-banks-including-morgan-stanley-bank-of-america/)

[11] U.S. Banks Adopt Ripple's XRP: Will It Become the Main Choice? (https://atomicwallet.io/academy/articles/u-s-banks-adopt-ripples-xrp-will-it-become-the-main-choice)

[12] Are Banks Using XRP? The Truth Behind Ripple's Banking Partnerships (https://digitaloneagency.com.au/are-banks-using-xrp-the-truth-behind-ripples-banking-partnerships/)