Summary
- XRP faces a high token supply from its creator, Ripple Labs.
- It also faces a decline amid a broader market crash.
- The chances of a rate cut in 2025 are slim but still positive.
- However, if XRP ETFs get approved, we could see a rally above $3.
What Helps XRP in October 2025?
XRP has been one of the top performers over the last year due to multiple positive developments, including the end of its case against the SEC, regulatory relief, Donald Trump’s win, and the possibility of government adoption.
By late 2025, XRP is expected to see further price improvement due to Ripple Labs’ upcoming IPO, increased adoption by multiple governments, and a decision on its ETF by October 2025.
1. Upcoming SEC Decision on XRP ETF
XRP might finally see its spot ETF listed, as the SEC is expected to decide on a slew of altcoin ETFs, including SUI, TON, SOL, and others.
A spot ETF will allow investors to invest directly in XRP without the complexity of managing wallets and private keys. Further, it provides the whole market with increased liquidity.
Also Read: XRP Will Be The Largest Beneficiary of US Presidential Executive Order on Banks
2. US Fed Likely to Cut Rates by 0.25% on October 29
The US Federal Reserve is likely to cut interest rates on October 29, 2025, as 115/117 economists predicted (Motley Fool report).
However, what makes the current situation a bit more complex is Trump’s new set of tariffs, which is likely to take effect sometime later this month. Among the most affected will be China, which faces the possibility of 155% tariffs on its exports to the US. Meanwhile, the closure of the India-US Trade deal could lead to reduced tariffs on Indian imports to 15%, from the current 50%.
Technical Analysis

XRP has posted around 15% negative returns this month. The highest price was around $3.1 on 10 Oct while the lowest point was at $2.2, just 7 days later, i.e., 17 Oct.
Its price has been in a higher-top, higher-bottom pattern over the last 12 months, indicating that the long-term positive trend is still intact.
In the short term, XRP could see a slight decline (20%) due to the current short-term downtrend.
Price Prediction October 2025
XRP’s price prediction for the next 30 days depends on two major factors: Spot ETF approval and Fed Interest Rate Cuts.
If both of these turn positive, i.e, ETFs get approved and Fed cuts rates by 0.25%, then XRP might be able to cross $3 or even $3.5.
If one of these decisions turns positive, it might take XRP towards $3, but not enough to cross it.
However, if both turn negative (very unlikely), it might take XRP towards $2, but a fall below that is unlikely.
Also Read: XRP Ledger Upgrade Resolves Full History Server Issue
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