XRP News Today: Regulators Hold the Key to XRP’s Next Big Move

The U.S. Securities and Exchange Commission (SEC) has extended its review of multiple proposed XRP-based exchange-traded funds (ETFs, pushing final decision dates to late October 2025. This regulatory update has sparked renewed speculation about XRP’s price trajectory, with experts like commentator Zach Rector suggesting that the delay could generate steady upward pressure on the token. The anticipation of potential ETF approvals is already drawing investor interest, as seen in the recent price movement of XRP, which has hovered around the $3 mark amid growing expectations for October developments.

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Among the ETFs under review are the 21Shares Core XRP Trust, the CoinShares XRP ETF, and the Grayscale XRP Trust. These products aim to provide regulated exposure to XRP through traditional financial markets, following a similar framework to existing Bitcoin and Ethereum ETFs. The SEC’s extension allows additional time for evaluation and to process public feedback. This pattern of delaying decisions is not unusual, as the agency typically utilizes full extension periods for evaluating new products, particularly in the crypto space where regulatory clarity remains a key concern for market participants [1].

Analysts are drawing parallels between the current XRP ETF situation and the approval of Bitcoin spot ETFs in early 2024. During that period, Bitcoin experienced a temporary dip on the day of approval but was soon followed by strong inflows into the ETFs, which pushed the price to record highs. Rector anticipates a similar “buy the rumor, sell the news” dynamic for XRP, where early buyers position themselves ahead of the official decision, only to see a short-term pullback when the approval is confirmed. However, consistent inflows into the ETFs could reverse this downward pressure and drive the token’s price significantly higher [3].

Industry leaders are optimistic about the potential scale of these inflows. Canary Capital CEO Steven McClurg estimates that XRP ETFs could attract $5 billion in the first month of trading, while JPMorgan analysts project inflows of up to $8 billion in the first year. If realized, these figures could have a material impact on XRP’s price, with some forecasts suggesting the token could reach as high as $26. This scenario hinges on the assumption that the ETFs are approved and gain traction among institutional and retail investors alike [4].

In addition to the ETF developments, Ripple is also awaiting a ruling from the U.S. Office of the Comptroller of the Currency (OCC) on its application for a national banking charter, which was submitted in July 2025. A decision is expected in late October, which means the company could face two major regulatory milestones in the same month. A dual approval—both for the ETFs and the banking charter—would mark a significant institutional breakthrough for Ripple and could further bolster XRP’s adoption and legitimacy in traditional financial markets [5].

As the October deadline approaches, XRP’s price is underpinned not only by speculative ETF-related demand but also by Ripple’s ongoing efforts to expand XRP’s real-world utility. Recent partnerships, such as a $75 million credit line with Gemini and the deployment of XRP-based payment rails by Wellgistics, are reinforcing the token’s role in cross-border transactions and financial infrastructure. These developments, combined with the anticipated regulatory decisions, are positioning XRP for a potential breakout in the coming months [4].

Source: [1] SEC pushes back decisions-truth-social-solana-xrp-crypto-etfs (https://cointelegraph.com/news/sec-pushes-back-decisions-truth-social-solana-xrp-crypto-etfs) [2] Breaking update on several spot ripple (xrp) etf filings (https://cryptopotato.com/breaking-update-on-several-spot-ripple-xrp-etf-filings/) [3] Expert identifies recent sec update that could create upward pressure on xrp price (https://thecryptobasic.com/2025/08/19/expert-identifies-recent-sec-update-that-could-create-upward-pressure-on-xrp-price/) [4] XRP price climbs as etf hopes and ripple deals fuel (https://www.fingerlakes1.com/2025/08/19/xrp-price-etf-update/) [5] This sec update could send xrp price soaring (https://captainaltcoin.com/this-sec-update-could-send-xrp-price-soaring/)