XRP has faced a notable price decline of up to 4.5% within 24 hours in September 2025, despite a recent settlement with the SEC that confirmed its status as a non-security. This decline follows an initial 3% price boost after the SEC approved an ETF and announced the launch of a U.S. fund. However, subsequent whale activity and profit-taking have contributed to the downturn. The regulatory landscape, although clearer post-settlement, continues to present challenges for XRP's market adoption. Analysts are closely watching upcoming ETF decisions in October, which could significantly influence XRP's market direction. There is a 95% predicted chance of ETF approval by the end of the year, potentially attracting more institutional investors.