XRP News Today: XRP's $10 Hike Hinges on SEC's October ETF Verdict and Banking Charter Fate

XRP's potential to surge toward $10 in October 2025 hinges on regulatory decisions and institutional adoption, according to recent analyses. The U.S. Securities and Exchange Commission (SEC) is expected to rule on multiple spot XRP ETF applications by late October, with deadlines ranging from October 18 to 25. These include proposals from Grayscale, 21Shares, Bitwise, and WisdomTree. Approval could catalyze institutional inflows, with estimates suggesting $5–$8 billion in initial ETF-related demand XRP ETF Approval Could Face Major Delay: Here’s Why^[6]. Ripple's concurrent application for a national banking charter from the Office of the Comptroller of the Currency (OCC) could further legitimize the asset by allowing it to operate as a federally regulated trust bank XRP Price To Hit $10 In October? - Forbes^[1].

Technical analysis supports the bullish case. XRP is consolidating in a narrowing range around $2.70–$3.05, with key resistance near $3.30. A breakout above this level could trigger a rally toward $3.50–$5, with some analysts projecting a potential push toward $10 if ETF approval aligns with broader market conditions . On-chain data also indicates strong accumulation by long-term holders, with the amount required to enter the top 10% of XRP's rich list dropping to 2,377 tokens ($7,131) as of September 2025, signaling increased participation despite stagnant price action XRP Rich List Update Reveals Requirement for Top 10% Has Again …^[3].

Regulatory clarity has improved since Ripple's 2025 settlement with the SEC, which affirmed XRP is not a security in public sales. This shift has bolstered institutional confidence, with partners like Franklin Templeton and CoinShares advancing XRP-focused products . However, challenges remain. The U.S. government shutdown has delayed SEC decisions, complicating timelines for ETF approvals XRP Price Outlook 2025: Can Ripple Reach $5 Amid …^[8]. Additionally, XRP's circulating supply has risen to 3.5 billion tokens, though ETF-driven demand is expected to offset this .

Market dynamics also play a role. Bitcoin's recent rally to $93,000 has spurred optimism across the crypto sector, with XRP surging in tandem. Analysts like Jake Claver argue that ETFs could drive a "supply shock" as institutions outbid retail holders for XRP, pushing prices higher to secure tokens XRP Price Prediction After October 2025 ETF …^[2]. Meanwhile, Ripple's expanding partnerships with banks and its RLUSD stablecoin are enhancing real-world utility, potentially attracting further institutional interest .

Risks persist, however. A rejection of XRP ETFs or delays in the banking license application could reignite volatility. The Federal Reserve's monetary policy and global market sentiment will also influence investor appetite for risk assets Full List of XRP ETF Filings: New Dates, Deadlines, and More^[5].

October 2025 represents a critical inflection point for XRP. If regulatory clarity and ETF approvals materialize, they could establish a new baseline for institutional adoption, potentially propelling the asset toward double-digit territory. However, outcomes remain contingent on the alignment of multiple catalysts and broader macroeconomic conditions.