As XRP stabilizes around $2.86, institutions quietly amass over $928 million in dedicated wallets. With six XRP ETF applications pending SEC approval between October 18 and 25, Wall Street anticipates a potential catalyst that may reshape Ripple's token trajectory. While institutional investors make their moves, retail market participants remain cautious.
All eyes are on the October 18-25 window. The SEC must rule on six spot XRP ETF applications filed by heavyweight asset managers: Grayscale, 21Shares, Bitwise, WisdomTree, and Canary Capital. Even partial approval could trigger massive inflows into the XRP ecosystem. This mirrors the early days of Bitcoin ETFs that catalyzed billions of dollars in institutional investments.
GraniteShares has taken an additional step by filing for a leveraged ETF offering 3x long and 3x short exposure to XRP. This structure formally places Ripple’s token in the same category as Bitcoin, Ethereum, and Solana—the only crypto assets currently benefiting from such regulated derivative products in the United States. Legal expert Bill Morgan emphasizes that these leveraged ETFs represent “the next logical step” in XRP market maturation.
Some managers are also exploring innovative yield-generating ETF structures based on covered call strategies. These products aim to attract traditional investors seeking revenue-generating crypto exposure, a market segment largely untapped in the altcoin universe.
With multiple XRP ETF applications awaiting SEC approval, the market is holding its breath. Once these ETFs are validated, the influx of institutional capital could propel the XRP price well beyond $3, paving the way for a new bullish phase.
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The divergent behavior between retail and institutional investors illustrates different interpretations of the regulatory landscape. Massive liquidations of $1.9 billion have shaken highly leveraged positions, primarily held by retail traders. Meanwhile, institutions continue to accumulate methodically, anticipating a favorable resolution of regulatory proceedings.
Ripple’s application for a national banking charter, currently under active review, constitutes October’s second catalyst. If this approval materializes alongside ETFs, XRP would transition from a contested digital asset to a bank-level regulated financial instrument. The Ripple payment network already covers 70 countries and counts more than 1,000 partner financial institutions—an infrastructure that would take on a new dimension under U.S. banking regulation.
Projected inflow estimates range between $5 and $8 billion for the first months post-approval. These projections are based on the initial performance of Bitcoin ETFs, adjusted for XRP’s relative market capitalization. The psychological resistance at $3 represents the next major technical level to watch if October’s announcements trigger sustained buying pressure.
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