Why October Could Be a Game-Changer for XRP Price
If you are a crypto investor or thinking about XRP, October 2025 could be a very critical month for you. XRP price is bringing both excitement and uncertainty for many, as some important regulatory decisions are expected this month that will directly affect XRP’s future and market sentiment. If you are following XRP news, it is important to mark October 13 and 20 on your calendar, as the SEC could give a ruling on spot XRP ETF applications these weeks.
XRP Price Could See a Steady Rise with ETF Approvals
The SEC’s August 2025 decision to extend deadlines for ETF approvals has created a unique situation where multiple ETF filings are converging in the last weeks of October. Spot ETF approval means that institutional partners will deliver cash to fund sponsors, who will then buy XRP from the market. This step creates long-term demand and could gradually support XRP price.
Don’t think of ETF approvals as a “moon ticket.” The example of Ethereum’s July 2024 ETF launch is relevant here. Ethereum ETFs attracted $106 million net inflows on the first day, which was far less than the hype. But a year later, in August 2025, Ethereum ETFs achieved a single-day intake of $1 billion. This means that if XRP ETFs are approved in October, the expectation of a massive price jump on the initial day would be unrealistic. This could become a strong tailwind for XRP price in the long-term.
What Investors Should Expect After Approval
Trading will not start immediately even after ETF approval. Each fund has to make its registration statement effective from the SEC. Ethereum ETFs received approval in May 2024, but trading went live until the end of July. This could repeat again, meaning actual inflows may not start until winter.
After trading begins, the consistency of inflows will be as important as the size. Net creations, i.e. when new ETF shares are issued and their corresponding XRP shares are bought from the market, generate real demand. Investors will have to hold ETF shares so that a positive impact on XRP price is gradually seen.
Broader Economic Factors Could Shape XRP Price
Apart from regulatory backdrop, macroeconomic conditions can also affect XRP price. U.S. lawmakers are currently debating digital asset frameworks, and international bodies are working on harmonizing cross-border settlement and stablecoin rules. Clear approval could signify legal clarity and a legitimacy boost for XRP, but a denial could revive old questions.
Spot Bitcoin and Ethereum ETFs took time to gain traction, partly because the market was digesting interest rate changes and liquidity concerns. If the Federal Reserve trims rates, cheap borrowing cost could accelerate inflows. If economic weakness continues, even the green light for XRP ETFs will not provide immediate momentum.
XRP Spot ETF and Ripple Banking License: Twin Catalysts
Two major events in October 2025 could reshape the XRP price. First, the SEC’s final decision on spot XRP ETFs. Multiple issuers–Bitwise, Grayscale, and 21Shares–are lined up. What are the chances of approval? If approved, spot XRP ETFs will provide an easy route of exposure for institutional and retail investors, without going through crypto exchanges.
Second, Ripple’s banking license application. The OCC review window is closing by the end of October. If this approval is received, Ripple could get a license to operate a federally regulated trust bank, which would increase credibility for XRP as well as give a strong push to enterprise adoption. If both factors align at the right time, there could be a chance of XRP price reaching double digits — a move of about 3.5x from current levels is possible.
Should You Consider Investing in XRP Now?
Crypto investments always come with high-risk. Motley Fool Stock Advisors has identified the top 10 stocks, but XRP was not among them. But if you follow XRP news and price catalysts, consider October as an opportunity to transition the XRP narrative to the next phase. Patience is key here–don’t expect immediate returns.
The XRP price could build gradually as ETF issuers gather assets and the retirement platforms XRP ETFs offer. If you’re brave, consider bolstering your holdings a little ahead of October’s catalyst.
XRP Price Prediction for October 2025
October 2025 could be a pivotal month for XRP. ETF approvals and banking license decisions combine to create positive momentum that sustains the price. Both trading and inflows in XRP USD could be gradual, but chances of XRP price following a bullish trajectory in the long-term are high. If macroeconomic conditions are supportive and regulatory clarity is obtained, it is possible for XRP price to touch the 10 USD mark.
Disclaimer:
This article is for informational and educational purposes only. This is not an investment advice. Crypto investments are high-risk and readers must do their own research.
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