Following the settlement of the long-running legal dispute between Ripple and the U.S. Securities and Exchange Commission (SEC), market attention has turned toward the regulator’s upcoming decisions on applications for a spot XRP exchange-traded fund (ETF). The outcome of these filings could help shape the asset’s trajectory going into 2026.
SEC Reviews Multiple Applications
The SEC is currently assessing applications from several prominent investment managers, including Grayscale, 21Shares, Bitwise, Canary Capital, WisdomTree, Franklin Templeton, and CoinShares.
Each of these issuers is seeking approval to launch an XRP-backed ETF, with final deadlines for the filings scheduled between October 18 and October 25, 2025. This week-long period is widely viewed as a key moment for the token’s market outlook, as an approval would open new avenues for institutional participation.
Ahead of the SEC’s decision window, XRP has been trading largely in line with broader market movements. The cryptocurrency continues to hold the $3 zone as a key area of interest. Currently, the token is trading near $2.96, reflecting a 1.68% decline over the past 24 hours and a weekly loss of 1.08%.
While the token has remained stable around this support level, analysts note that its medium-term direction is likely to depend heavily on the ETF outcome in October.
ChatGPT-5’s Price Forecast
In response to inquiries regarding the potential impact of an ETF approval, OpenAI’s ChatGPT-5 model projected a substantial price increase by the end of 2025. The model indicated that if at least one application receives approval, XRP could reach a range between $7 and $10 by December 2025.
The projection also considered a scenario where strong institutional inflows coincide with a broader rally across the altcoin sector. Under such conditions, the model suggested XRP could rise further, potentially achieving a year-end peak between $12 and $15.
Despite the optimistic scenarios, ChatGPT-5 acknowledged possible risks associated with market psychology. The model highlighted the likelihood of a “sell the news” dynamic, where initial enthusiasm drives prices higher following approval, only for gains to moderate shortly thereafter.
In this case, XRP could briefly climb beyond $10 in November before correcting to the $6–$8 range by year-end.
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Conversely, if the SEC delays or rejects the proposed ETFs, XRP’s price is expected to remain subdued, likely consolidating in the $4.50 to $5 range as it tracks the general performance of the cryptocurrency market.
With spot Bitcoin and Ethereum ETFs already in place, analysts suggest that XRP now stands as the next candidate for institutional-grade investment products. Approval of an XRP ETF would not only expand investor access but also signal further regulatory recognition of the asset within U.S. financial markets.
For now, the cryptocurrency’s short-term performance remains tied to the SEC’s October deadlines. Market participants are closely monitoring developments, with the expectation that the regulator’s decision will define whether XRP ends 2025 on a path of moderate growth or experiences a more accelerated rally fueled by institutional adoption.
Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.
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