XRP’s Journey to $10 Takes Shape as Ripple Seeks U.S. Banking License
If this sees the light of day, XRP might soar to unprecedented heights, thanks to a notable leg up.
Is XRP Eyeing the $10 Zone?
According to market analyst Leandrocrypto, “XRP It’s respecting this uptrend beautifully on both the 4H and daily charts. Every dip is getting bought up — feels like something big is being built here. Could this be the early steps on the road to $10?”
From the above chart, XRP continues to form higher highs and higher lows, which is bullish.
This is because each higher low shows that buyers are stepping in at higher prices during pullbacks, meaning demand is increasing.
Furthermore, higher highs confirm that the market is willing to push prices beyond previous peaks, showing strong bullish sentiment.
If this trend continues, XRP might be primed to reach the $10 level in the near future, thanks to various bullish developments, such as the high chances of an XRP exchange-traded fund (ETF) approval.
Crypto pundit Vincent Van Code added, “By popular demand, I thought I would add to this post by explaining why I think an XRP price of $30-$50 is possible (timing unknown), here's what I am now following (list gets bigger every month).”
Vincent Van Code noted that there was a possibility of XRP hitting the $30 to $50 price range because Ripple is eyeing a master account approval from the Fed as RippleNet targets 20–30% of the $1T cross-border payments market.
Furthermore, the XRP Spot ETF approval could unlock $20–$50B in institutional inflows, as global momentum builds with more than 50 countries adopting XRP for Central Bank Digital Currency (CBDC) bridges.
Why the Approval of Ripple’s U.S. Banking License Would Be a Game-Changer
Ripple’s July 2 application to the OCC for a national trust bank charter represents a major turning point, not just for Ripple Labs, but for the broader crypto industry.
If approved, this license would empower Ripple to fully integrate crypto-native financial services into the regulated mainstream, delivering enhanced transparency, lower costs, and faster transactions.
1. Dual Oversight: Building Trust
Currently, Ripple's RLUSD stablecoin is regulated at the state level by the New York Department of Financial Services. A federal OCC charter would layer in national oversight, creating an unprecedented “benchmark for trust in the stablecoin market.”
This dual oversight signals a new era where crypto issuers operate under the same rigorous standards as established financial institutions.
2. Direct Fed Access: Smoothing the Rails
Ripple’s subsidiary, Standard Custody & Trust Company, also applied for a Federal Reserve master account.
Approval would grant Ripple direct access to the Fed’s payment rails, enabling 24/7 settlement, reserve custody, and issuance without reliance on middlemen. That’s a groundbreaking leap forward in reducing both cost and friction.
3. Regulatory Momentum & Legislative Alignment
Ripple’s move comes in step with Circle, BitGo, Wise, and others seeking charters, reflecting a broader pivot in crypto towards regulated trust banks.
The Senate’s recent advancement of the GENIUS Act further cements this trajectory, preparing for mandatory stablecoin issuer licensing. Ripple is positioning itself ahead of the curve.
4. Faster, Cheaper, Transparent Payments
With a charter, Ripple can bypass correspondent banks, speeding up cross-border and institutional payments. As Reuters notes, this could drastically reduce costs and improve settlement times.
5. Strategic Edge in Institutional Adoption
Federal charters attract institutional clients who prioritize compliance. With explorer-level transparency over reserves and direct Fed custody, RLUSD becomes far more appealing to banks, fintechs, and enterprise partners.
6. Confidence Building after Legal Headwinds
Ripple has spent years in legal limbo over SEC issues. A federal banking charter would signal maturity and resolve, reinforcing its legitimacy in U.S. finance.
Conclusion
If the OCC green-lights Ripple’s application, it would mark the first major crypto-native stablecoin issuer to earn a U.S. federal charter.
That opens doors to better regulation, faster payments, deeper institutional adoption, which will set a new standard for how digital assets move from fringe to foundational.
As a result, this will be a major foundation for XRP’s journey to the psychological price of $10.
Read More
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XRP’s Journey to $10 Takes Shape as Ripple Seeks U.S. Banking License
If this sees the light of day, XRP might soar to unprecedented heights, thanks to a notable leg up.
Is XRP Eyeing the $10 Zone?
According to market analyst Leandrocrypto, “XRP It’s respecting this uptrend beautifully on both the 4H and daily charts. Every dip is getting bought up — feels like something big is being built here. Could this be the early steps on the road to $10?”
From the above chart, XRP continues to form higher highs and higher lows, which is bullish.
This is because each higher low shows that buyers are stepping in at higher prices during pullbacks, meaning demand is increasing.
Furthermore, higher highs confirm that the market is willing to push prices beyond previous peaks, showing strong bullish sentiment.
If this trend continues, XRP might be primed to reach the $10 level in the near future, thanks to various bullish developments, such as the high chances of an XRP exchange-traded fund (ETF) approval.
Crypto pundit Vincent Van Code added, “By popular demand, I thought I would add to this post by explaining why I think an XRP price of $30-$50 is possible (timing unknown), here's what I am now following (list gets bigger every month).”
Vincent Van Code noted that there was a possibility of XRP hitting the $30 to $50 price range because Ripple is eyeing a master account approval from the Fed as RippleNet targets 20–30% of the $1T cross-border payments market.
Furthermore, the XRP Spot ETF approval could unlock $20–$50B in institutional inflows, as global momentum builds with more than 50 countries adopting XRP for Central Bank Digital Currency (CBDC) bridges.
Why the Approval of Ripple’s U.S. Banking License Would Be a Game-Changer
Ripple’s July 2 application to the OCC for a national trust bank charter represents a major turning point, not just for Ripple Labs, but for the broader crypto industry.
If approved, this license would empower Ripple to fully integrate crypto-native financial services into the regulated mainstream, delivering enhanced transparency, lower costs, and faster transactions.
1. Dual Oversight: Building Trust
Currently, Ripple's RLUSD stablecoin is regulated at the state level by the New York Department of Financial Services. A federal OCC charter would layer in national oversight, creating an unprecedented “benchmark for trust in the stablecoin market.”
This dual oversight signals a new era where crypto issuers operate under the same rigorous standards as established financial institutions.
2. Direct Fed Access: Smoothing the Rails
Ripple’s subsidiary, Standard Custody & Trust Company, also applied for a Federal Reserve master account.
Approval would grant Ripple direct access to the Fed’s payment rails, enabling 24/7 settlement, reserve custody, and issuance without reliance on middlemen. That’s a groundbreaking leap forward in reducing both cost and friction.
3. Regulatory Momentum & Legislative Alignment
Ripple’s move comes in step with Circle, BitGo, Wise, and others seeking charters, reflecting a broader pivot in crypto towards regulated trust banks.
The Senate’s recent advancement of the GENIUS Act further cements this trajectory, preparing for mandatory stablecoin issuer licensing. Ripple is positioning itself ahead of the curve.
4. Faster, Cheaper, Transparent Payments
With a charter, Ripple can bypass correspondent banks, speeding up cross-border and institutional payments. As Reuters notes, this could drastically reduce costs and improve settlement times.
5. Strategic Edge in Institutional Adoption
Federal charters attract institutional clients who prioritize compliance. With explorer-level transparency over reserves and direct Fed custody, RLUSD becomes far more appealing to banks, fintechs, and enterprise partners.
6. Confidence Building after Legal Headwinds
Ripple has spent years in legal limbo over SEC issues. A federal banking charter would signal maturity and resolve, reinforcing its legitimacy in U.S. finance.
Conclusion
If the OCC green-lights Ripple’s application, it would mark the first major crypto-native stablecoin issuer to earn a U.S. federal charter.
That opens doors to better regulation, faster payments, deeper institutional adoption, which will set a new standard for how digital assets move from fringe to foundational.
As a result, this will be a major foundation for XRP’s journey to the psychological price of $10.
Read More