XRP News Today: SEC's October Ruling: XRP's Path to $4 or Prolonged Slump?

XRP's price has retreated following a September rally, sparking debates over whether the correction signals a temporary dip or the onset of a broader downturn. Analysts point to regulatory developments and market dynamics as key factors shaping the asset's trajectory. The U.S. Securities and Exchange Commission (SEC) is set to rule on multiple spot XRP ETF applications in October, with outcomes potentially triggering a "supply shock" as institutions seek to acquire tokens from long-term retail holders. Coinbase's XRP inventory has plummeted nearly 90% in recent months, now standing at approximately 100 million tokens, underscoring the limited liquidity available for institutional purchasesXRP Price Prediction After October 2025 ETF Approvals^[1].

The approval of XRP ETFs could drive significant inflows, with estimates suggesting $5–8 billion in initial demand, surpassing early Bitcoin ETF flows. Jake Claver, a market analyst, noted that retail investors typically hold XRP for the long term, keeping exchange supply constrained. To incentivize sales, institutions may need to offer higher prices, potentially pushing the asset toward $10 or beyond. Historical buying patterns indicate many investors acquired XRP between $0.20 and $3, creating a psychological barrier for sellers unless prices rise sharplyXRP Price Prediction After October 2025 ETF Approvals^[1].

Technical indicators also highlight a critical juncture for XRP. The price has consolidated within a descending channel, mirroring the setup before a July rally that saw a 66% surge. Current levels near $2.85 suggest a potential 35% upward move to $4 if the channel breaks, aligning with Fibonacci extension targets at $3.48 and $3.97XRP Price Prediction: How XRP Could React After OCT SEC ETF^[2]. However, sustained buying pressure will depend on the SEC's October decisions, which could either validate XRP's institutional appeal or reinforce resistance.

Ripple's ecosystem developments, including partnerships with banks and stablecoin projects, add utility to the XRP Ledger. Pilots in Palau, Montenegro, and Brazil, along with corporate treasury allocations, may amplify demand. Analysts argue that these fundamentals, combined with ETF-driven institutional interest, could create a "FOMO" (fear of missing out) effect among both retail and institutional investorsXRP Price Prediction After October 2025 ETF Approvals^[1].

While the immediate focus remains on October's regulatory outcomes, the broader market context is mixed. The crypto leveraged trading landscape in 2025 shows heightened defensive behavior, with traders increasingly using risk-check tools to simulate liquidation scenarios. This trend reflects growing caution but does not directly impact XRP's price dynamics. Meanwhile, global crypto-collateralized lending hit an all-time high of $26.47 billion in Q2 2025, though this data pertains more to the broader market than XRP specifically.

The convergence of technical patterns, regulatory timelines, and XRP's utility-driven growth positions the asset at a crossroads. A successful ETF approval could catalyze a price breakout, but lingering legal uncertainties and market volatility remain risks. For now, traders and investors are closely monitoring October's developments, with outcomes likely to define XRP's trajectory into year-end.