XRP News Today: Regulators Prolong XRP ETF Decision Amid Price Volatility and Institutional Push

The U.S. Securities and Exchange Commission has delayed decisions on multiple spot ETF applications for Ripple’s XRP token, including proposals from Nasdaq, Bitwise, and Canary. The SEC announced an extension of the review period for Nasdaq’s Coinshares XRP ETF, pushing the final decision from August 24 to October 23, 2025. The regulator cited the need for additional time to evaluate the proposed rule change and process new public comments received in the interim [1]. If approved, the ETF would be structured under Nasdaq’s Commodity-Based Trust Shares framework, offering investors regulated exposure to XRP through traditional financial markets [1].

XRP’s price has experienced volatility in recent days, falling below $3 before recovering slightly above this critical support level. Analysts have raised concerns that a further decline to as low as $2.10 remains a risk, particularly amid broader market corrections [1]. The prolonged uncertainty surrounding regulatory approval has contributed to XRP’s price fluctuations, as investors weigh the potential for institutional adoption against the lingering risks of a potential price decline.

The valuation debate for XRP has gained traction as its price has surged by approximately 700% over the past three years, reaching a high of over $3 in early August. Critics have questioned whether this growth is driven by genuine utility or speculative hype. A key argument in favor of XRP’s long-term value lies in its expanding institutional and regulatory credibility. Ripple, the company behind XRP, has strengthened its legal and regulatory standing after resolving a longstanding lawsuit with the SEC in early August [2]. This development has significantly reduced a major overhang on the token and positioned it for broader acceptance in the financial sector.

Further support for XRP’s institutional adoption includes Ripple’s acquisition of crypto custody firms such as Metaco and Standard Custody, which have bolstered its infrastructure to meet the compliance needs of major financial institutions [2]. Additionally, Ripple’s Singapore subsidiary holds a Major Payments Institution license from the Monetary Authority of Singapore, while its involvement in Dubai’s real estate tokenization project has expanded XRP’s potential use cases [2]. These moves suggest that XRP is increasingly being viewed as a practical financial tool rather than just a speculative asset.

Looking ahead, the approval of spot XRP ETFs could serve as a catalyst for price appreciation, following a similar pattern seen with Bitcoin ETFs last year. Analysts estimate a 95% chance of ETF approval by the end of 2025 [3]. If realized, such products could attract substantial institutional and retail investor inflows, potentially driving XRP’s price upward. However, the market remains cautious about overly optimistic projections, particularly given that XRP has yet to surpass its historical high of $3.84 [3]. While some forecasts suggest a potential rise to $8 or higher, these scenarios depend on XRP’s ability to demonstrate broader utility and adoption across global financial systems.

Source:

[1] Breaking Update on Several Spot Ripple (XRP) ETF Filings (https://cryptopotato.com/breaking-update-on-several-spot-ripple-xrp-etf-filings/)

[2] Is XRP Overvalued? - Yahoo Finance (https://finance.yahoo.com/news/xrp-overvalued-083000134.html)

[3] 3 Reasons to Buy XRP Before 2026 (https://www.fool.com/investing/2025/08/19/x-reasons-to-buy-xrp-before-2026/)