XRP Price Prediction: How Ripple's Banking License Could Open Up Significant Growth?

Ripple has made significant strides towards mainstream financial integration by applying for a national banking license. CEO Brad Garlinghouse recently announced that the company has submitted an application to the Office of the Comptroller of the Currency (OCC), indicating Ripple's intention to operate under the oversight of both federal and state authorities. Has held a BitLicense from the New York Department of Financial Services (NYDFS), the potential federal charter of Ripple will place this company under more comprehensive regulatory oversight. According to Garlinghouse, the goal is to enhance public and institutional trust. Direct access to the Federal Reserve In addition to the OCC application, Ripple is also pursuing a master account with the Federal Reserve through its subsidiary, Standard Custody. If approved, this account would allow Ripple to hold reserves for RLUSD directly with the central bank. Such access could provide Ripple with a significant advantage, bringing enhanced transparency and security for stablecoin holders.

This level of direct integration with the Federal Reserve will help RLUSD stand out from most stablecoins on the market, making this currency more suitable for financial institutions that prioritize regulatory clarity and central bank involvement. Meaning for XRP and RLUSD Ripple's push for regulation has sparked discussions within the cryptocurrency community, particularly regarding its potential impact on the utility and value of XRP. A prominent analyst, known as "XRP Investing", argues that with federal approval and Fed access, Ripple could be seen as operating on par with major traditional banks like JPMorgan. He argued that RLUSD would become significantly more reliable within this framework and XRP could increasingly be widely adopted for international payment activities. This sentiment reflects a broader expectation that institutions are more likely to engage in digital assets operating under strict compliance and connected to central banks. Assessing the price potential of XRP To estimate the potential future value of XRP under various scenarios, ChatGPT was tasked with modeling some assumptions. One approach evaluates the role of XRP in facilitating global payments. If Ripple accounts for 10% of the estimated annual transaction volume of SWIFT at 150 trillion dollars and XRP is used with a turnover rate of 25, the total liquidity needed would be around 600 billion dollars. With about 55 billion XRP tokens in circulation, this results in a base valuation of nearly 10.91 dollars per coin, assuming demand is based solely on utility. Another perspective considers the use of XRP to support the trading volume of RLUSD. If RLUSD grows to match the $32 billion market cap of USDC and XRP bridges half of the $100 billion annual remittance with a turnover rate of 20, then $5 billion of XRP liquidity would be needed. With full regulatory oversight from both OCC and NYDFS, along with direct access from the Fed, a strong trust premium could be applied, with XRP's price expected to be around $13.65. Ripple's ambition also extends to facilitating the transfer of real-world assets that are tokenized, such as bonds and real estate. With the cryptocurrency market expected to exceed $16 trillion by 2030, Ripple could even capture a small market share that may require XRP to support large transaction volumes. If 3% of that market is routed through Ripple and XRP manages a quarter of that market on-chain, the liquidity demand could reach $120 billion. Considering speculative and institutional demand, this model suggests a potential price of around $21.80 per token. The final valuation scenario is based on projected trading activity. If XRP processes $30 billion in daily payment volume after being adopted by banks and the market applies a typical Network Value to Transaction (NVT) ratio of high utility blockchains (25–30), the implied total market capitalization could reach $900 billion. Dividing by the current supply, the estimated value of XRP would be around $16.36. Although all predictions remain speculative, they demonstrate the potential valuation range for XRP if Ripple achieves full regulatory integration and expands its role in institutional finance. The approval of the national banking charter, combined with access to the Federal Reserve's master account, not only enhances the stability of RLUSD but also positions XRP as a reliable bridge asset in global financial systems.