October: A Decisive Month for Ripple – XRP ETF and Banking License Decisions Could Change Everything

Ripple is heading into a critical period. According to crypto lawyer Bill Morgan, October 2025 could be a turning point as the company awaits two major decisions: the approval of the first XRP ETFs and the granting of a national banking license in the United States.

🔹 Why October Matters for Ripple Bill Morgan emphasized that the SEC recently postponed its decision on several XRP ETF applications until late October. At the same time, Ripple is also expecting a ruling on its request for a national banking charter, which could anchor the company firmly within the U.S. financial system. “A lot could happen all at once in October,” Morgan noted. An ETF approval would give Ripple and XRP institutional validation and regulated market access, while the banking license would deepen its integration into traditional banking.

🔹 ETF Delay: The Final Extension The SEC officially extended its review of XRP ETF applications from issuers such as Grayscale, 21Shares, Bitwise, WisdomTree, and Franklin Templeton by 60 days, setting a mid-to-late October deadline. Legally, no further extensions are possible. If approved, XRP ETFs could mean: Increased liquidity for XRPRegulated exposure for institutional investorsMajor step toward mainstream adoption Conversely, a rejection would slow Ripple’s push to establish itself as a key player in global finance.

🔹 Banking License: Entry Into the Elite Ripple is also awaiting a decision on its national banking charter, currently under review by the Office of the Comptroller of the Currency (OCC). The standard 120-day review period ends in late October. If approved, Ripple would: Gain the status of a federally regulated trust bankSignificantly boost its credibility with regulators and partnersPotentially secure a master account with the Federal Reserve, allowing it to hold RLUSD stablecoin reserves directly with the U.S. central bank

🔹 Ripple at a Crossroads With its long-running SEC lawsuit now resolved, Ripple is at a defining moment. October could determine whether XRP firmly secures its place in the U.S. financial system or faces further hurdles.

👉 October 2025 might be the month that shapes Ripple’s trajectory for decades to come.

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