Regulatory certainty may drive XRP to reach $4 as ETF approvals approach

XRP is nearing the $3 mark as both institutional and retail participants watch for a potential price rally fueled by regulatory changes and market shifts. The U.S. Securities and Exchange Commission (SEC) has postponed decisions on several

exchange-traded fund (ETF) proposals, with final verdicts likely to arrive between October and November 2025. Major contenders such as Grayscale, 21Shares, Bitwise, and Franklin Templeton are competing to introduce spot XRP ETFs, which would give investors direct access to the third-largest crypto asset by market cap. In July, ProShares rolled out a leveraged XRP futures ETF, reflecting heightened institutional attention on XRP. Experts believe that clearer regulatory guidelines could drive a significant influx of capital into XRP, potentially pushing its value up to $4 in the near future.

Recent technical analysis supports a bullish perspective. Large XRP holders have lessened supply pressure by offloading 160 million tokens from late August to early September. Blockchain data indicates that XRP has surpassed major resistance points, backed by a TD Sequential buy alert at $2.97. NoOnes CEO Ray Youssef noted that XRP’s relatively low presence among institutional investors, compared to

and means there’s substantial room for growth as regulated investments move through ETF channels. With Bitcoin and Ethereum ETFs collectively managing over $120 billion in assets, XRP’s entrance into regulated funds could attract an additional $1.5–2 billion, further supporting its upward price momentum.

The REX-Osprey XRP ETF (symbol: XRPR) is set to become the first U.S. spot XRP ETF, utilizing a distinctive registered investment company (RIC) structure to speed up approval. Unlike conventional spot ETFs that are classified as Exchange-Traded Products (ETPs), this RIC approach allows a hybrid management system involving a Cayman Islands subsidiary, reducing regulatory review to 75 days. XRPR charges a 0.75% management fee, higher than the 0.25% fee of Bitcoin ETFs like iShares Bitcoin Trust (IBIT), but its design allows for a mix of spot and derivative holdings. This new structure is part of a wider initiative to simplify approval for altcoin ETFs, with the SEC’s recent extension of review times for XRP ETF applications reflecting a measured but advancing regulatory approach.

Interest from large investors is rising, as XRP’s utility for cross-border payments and expanding business partnerships gain traction. Ripple’s court win in August 2025 has increased faith in XRP’s credibility, and more companies and payment platforms are incorporating XRP for transactions. The introduction of the first XRP ETF could have a similar effect as Bitcoin’s 2024 ETF launch, which led to a 300% jump in price. Nonetheless, challenges persist, such as the SEC’s postponed rulings on several XRP ETFs and the token’s lower liquidity compared to leading cryptocurrencies. Analysts warn that although ETF approvals seem probable, their effect on price will rely on continued institutional buying and overall economic conditions.

Source: [1] Full List of XRP ETFs: Filings, Dates, Deadlines, and More [2] XRP Price Eyes $4 Breakout Amid REX-Osprey ETF Debut [3] XRP ETF Timeline 2025 | Key Investor Insights Before Next Filing