XRP Among Top Altcoins to Watch in July 2025: BlockDAG, SEI, and SUI Also Show Promise

As the cryptocurrency market heats up in July 2025, several altcoins are emerging with significant breakout potential. Among them, BlockDAG, XRP, SEI, and SUI stand out due to their unique value propositions and recent developments. BlockDAG is particularly notable for its innovative airdrop strategy, which rewards early adopters for actively participating in platform growth. The project's presale, priced at $0.0016 until August 11, offers a limited-time opportunity for investors. XRP continues to attract attention amid ongoing market activity, while SEI and SUI also demonstrate strong potential. This month could be pivotal for these altcoins as they capitalize on growing investor interest and market momentum.

4 Altcoins to Watch in July: BlockDAG, XRP, SEI, and SUI Show Breakout Potential

July may prove pivotal for altcoins as market activity intensifies. BlockDAG, XRP, SEI, and sui are emerging as standout candidates with distinct value propositions. BlockDAG distinguishes itself through an innovative airdrop strategy that rewards early adopters for active participation in platform development. The project's limited-time presale price of $0.0016 until August 11 presents a potential entry point.

XRP continues to draw attention amid ongoing regulatory developments, while SEI and SUI demonstrate technical strength in their respective niches. Market observers note these assets combine growing community interest with favorable chart patterns, suggesting possible upside momentum. The current market environment favors selective accumulation of altcoins showing both fundamental merit and technical readiness for moves.

Ripple Applies for US Banking License Following Circle's Lead

Ripple has officially filed an application with the Office of the Comptroller of the Currency (OCC) for a national bank charter, CEO Brad Garlinghouse announced via X. The move positions Ripple to operate under dual state and federal oversight, setting a new benchmark for trust in the stablecoin market.

The application follows Circle's recent bid for a similar charter. Anchorage Digital remains the only crypto firm currently holding a national bank charter. Regulatory approval would mark a significant milestone for Ripple's compliance-focused strategy.

Ripple Applies for Federal Bank Trust Charter as XRP Gains 3%

Ripple has taken a decisive step toward federal recognition by applying for a national banking charter with the Office of the Comptroller of the Currency. The move would enable the crypto payments firm to operate across U.S. state lines under a unified regulatory framework, expanding its existing services that include the NYDFS-regulated RLUSD stablecoin and digital asset custody solutions.

XRP, the native token of Ripple's payment network, immediately reacted with a 3% price surge following the Wall Street Journal's initial report. This development mirrors Circle's recent federal license application, signaling a broader trend among stablecoin issuers seeking regulatory clarity as Congress advances crypto legislation.

The competitive landscape is taking shape, with Anchorage Digital already holding a federal charter. Market participants now await the Senate's decision on stablecoin regulation, which could reshape the playing field for crypto-native financial institutions.

Ripple Pursues U.S. Banking License to Strengthen Regulatory Compliance

Ripple Labs, the blockchain firm behind XRP, has formally applied for a national banking charter with the U.S. Office of the Comptroller of the Currency. CEO Brad Garlinghouse emphasized the MOVE as part of a broader strategy to align with regulatory expectations while expanding institutional trust in its infrastructure.

The company’s subsidiary, Standard Custody, separately filed for a Federal Reserve Master Account, which WOULD allow it to hold reserves for Ripple’s stablecoin RLUSD directly with the central bank. Garlinghouse framed RLUSD as a compliance-first solution in a $250 billion market, targeting institutional demand for regulated digital assets.

Ripple Seeks Federal Oversight for RLUSD Stablecoin in Bid to Set New Trust Benchmark

Ripple has filed for a national bank charter with the Office of the Comptroller of the Currency, aiming to place its RLUSD stablecoin under dual state and federal supervision. CEO Brad Garlinghouse framed the July 2 application as creating a "new benchmark for trust" in the $455 million stablecoin market.

The move coincides with subsidiary Standard Custody & Trust Co.'s separate request for a Federal Reserve master account. Approval would enable direct reserve holdings at the Fed—a first for stablecoins—rather than through commercial bank intermediaries.

Artemis data shows RLUSD's transaction volume hit a record $2.6 billion in June. The stablecoin already undergoes monthly attestations with reserves held in bankruptcy-remote custody accounts.

Ripple Expands Stablecoin Infrastructure Partnership Amid Banking License Bid

Ripple has deepened its stablecoin ambitions through a strategic partnership with London-based fintech OpenPayd, aiming to build cross-border payment infrastructure for enterprises. The collaboration centers on Ripple USD (RLUSD), with OpenPayd enabling direct minting and burning of the dollar-pegged stablecoin.

The move coincides with Ripple's application for a national banking charter with the OCC—a regulatory milestone that would unlock expanded crypto services across U.S. states. Ripple Payments already processes $70 billion annually across 90 markets, positioning RLUSD as a potential liquidity bridge between traditional and digital finance.

"Seamless interoperability between legacy systems and digital assets is non-negotiable for global finance," said Jack McDonald, Ripple's SVP of stablecoins. The announcement follows Ripple Labs' decision to drop its SEC cross-appeal, signaling a strategic pivot toward regulatory compliance.