According to The Wall Street Journal, the latest XRP price prediction has sparked discussions among traders and analysts as Ripple’s plans to get a banking license become the main focus.
Ripple’s plan to get a U.S. banking license has brought renewed interest to its main token. The XRP price prediction, which is boosted by Ripple’s confirmation of its banking license application, is now widely discussed in the crypto community.
Many investors are closely watching to see if Ripple’s move could change the financial industry and strongly affect XRP’s value.
Ripple Bank License XRP: Can It Beat the Odds This Time?
If Ripple’s application for banking license and a Federal Reserve master account gets approved, it could operate like a full crypto bank. But the approval won’t be easy.
Other firms like Custodia were rejected or delayed. Experts say Ripple’s chances are low to moderate right now.
Still, Ripple holds a New York BitLicense and has strong compliance. If it clears this hurdle, it could change XRP’s role in global finance. For now, it’s a bold move with uncertain results.
Ripple’s Banking Plans Raise Industry Eyebrows
Ripple’s decision to apply for a U.S. banking license has started new discussions in the financial world. If Ripple gets approval, it would have direct access to the Federal Reserve’s payment systems like Fedwire and FedNow.
This would let Ripple work as a full financial company, offering services for regular money and crypto under government rules.
Vincent Van Code, a well-known XRP supporter and software engineer, shared on X that Ripple’s move to secure a banking license and a Fed master account could make it the first-ever crypto-focused bank.
Experts explain that this step could allow Ripple to bypass traditional commercial banks, allowing it to provide FDIC-insured accounts and offer loans backed by crypto assets like XRP. Many believe this change could help XRP become more accepted in the wider financial world.
Bold XRP Price Prediction Captures Attention
Van Code’s unusual price forecast stirred the XRP community. In his post, he shared an XRP price prediction ranging between $30 and $50. He explained that this number wasn’t just guessed, but was based on current market trends and upcoming regulatory changes.
He also mentioned key factors that could affect the market, including the possibility of an XRP spot ETF and large investments from institutions, projected between $20 billion and $50 billion. Van Code believes that if Ripple gains banking approval, XRP could handle a big share of the cross-border payments market, which is valued at around $1 trillion.
His XRP price prediction has resonated with some traders, though some remain careful and doubtful. However, many investors consider this prediction believable because of Ripple’s growing efforts to work within the rules and its strong focus on regulation.
| Metrics | Value |
| Current Price | $2.21 |
| 24H Trading Volume | $3.4B |
| MarketCap | $130.93B |
| Price Prediction | $30–$50 |
| All Time High | $3.84 |
Global Adoption And New Partnerships Could Support Growth
The XRP price prediction is also supported by Ripple’s growing presence around the world. Van Code pointed out that Ripple’s partnerships could strengthen XRP’s use as a bridge asset in central bank digital currency (CBDC) systems across more than 50 countries.
One of the most surprising claims was about XRP possibly being used for oil trade payments. Van Code mentioned Ripple’s current partnership with the Saudi Central Bank could be a possible first step toward this idea.
In addition, Ripple’s stablecoin, RLUSD, could increase XRP’s utility, particularly if integrated with digital dollar systems backed by the Federal Reserve.
Experts Share Mixed Views On Price Potential
Some analysts are still cautious. Olivia Monroe, a FinTech strategist, recognized Ripple’s goals but advised being careful about such high XRP price predictions.
Monroe explained that Ripple’s effort to get a banking license shows how crypto wants to work alongside traditional finance. However, she noted that the XRP price prediction of $50 would mean a market value in the trillions, which she believes is quite bold given the current market situation.
However, she also mentioned that Ripple’s recent legal wins and clearer regulations could create new chances, such as an XRP-based ETF and on-chain lending platforms.
Currently, the XRP price is trading around $2.22. Despite the bold XRP price predictions, most experts suggest waiting for regulatory updates before making any big investment decision.
Conclusion
Ripple’s efforts to get approval from regulators have made XRP a big topic in the market. The XRP price prediction, suggesting a rise from $2.22 to possibly $50, is still uncertain but not impossible, according to some experts.
They say if Ripple gets a banking license and more support from big investors, it could help the XRP price prediction come true. Still, they believe Ripple needs to clear some rules first. For now, investors are watching what Ripple does next.
Summary
Ripple’s plan to become a U.S. bank has brought new attention to XRP. The XRP price prediction now suggests it could rise from $2.22 to as high as $50. Some experts believe this could happen if Ripple gets approval to join the U.S. banking system and work with big payment networks. Many think Ripple’s strong global ties and legal progress might help.
FAQs
1. What is Van Code’s XRP prediction?
$30 to $50.
2. What systems will Ripple access if approved?
Fedwire and FedNow.
3. What market could XRP tap into?
$1 trillion cross-border payments.
4. Has Ripple applied for a U.S. banking license?
Yes, it has officially applied for a U.S. national bank license and a Federal Reserve master
5. How much institutional investment is expected if Ripple is approved?
Estimates range from $20 billion to $50 billion in possible institutional inflows to XRP.
Glossary
Fedwire / FedNow – Core U.S. settlement rails Ripple may access upon approval.
Master Account – Gateway to the Federal Reserve infrastructure for direct fund movements.
FDIC Coverage – U.S. insurance backing for consumer deposits, possible if Ripple qualifies.
CBDC Link – XRP’s role as a liquidity bridge in central bank digital currency networks.
Sources
The price predictions and financial analysis presented on this website are for informational purposes only and do not constitute financial, investment, or trading advice. While we strive to provide accurate and up-to-date information, the volatile nature of cryptocurrency markets means that prices can fluctuate significantly and unpredictably.
You should conduct your own research and consult with a qualified financial advisor before making any investment decisions. The Bit Journal does not guarantee the accuracy, completeness, or reliability of any information provided in the price predictions, and we will not be held liable for any losses incurred as a result of relying on this information.
Investing in cryptocurrencies carries risks, including the risk of significant losses. Always invest responsibly and within your means.
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