October could be a pivotal month for XRP, with two major regulatory decisions and potential market shifts poised to impact its price trajectory. The SEC’s final decisions on multiple spot XRP ETF applications, alongside Ripple’s application for a U.S. national banking charter, are expected by the end of the month. These developments will significantly influence institutional adoption, potentially driving XRP’s price higher or leading to stagnation. Analysts are closely watching the outcome and have various predictions for potential market moves, ranging from modest gains to significant upward surges. 21Shares and Grayscale, among other firms, had their applications rejected previously, while Ripple is awaiting a decision on its banking charter application, both with deadlines approaching the end of October.