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XRP’s Path to $30-$50: How Ripple’s Banking Charter Pursuit Could Reshape Crypto Markets

XRP’s Path to $30-$50: How Ripple’s Banking Charter Pursuit Could Reshape Crypto Markets

Author:
XRP News
Published:
2025-07-20 19:35:19
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[TRADE_PLUGIN]XRPUSDT,XRPUSDT[/TRADE_PLUGIN]

Ripple's strategic move to secure a US banking charter and Federal Reserve master account has sparked significant optimism around XRP's price potential. As of July 2025, prominent analyst Vincent Van Code projects the cryptocurrency could reach $30-$50 if these regulatory milestones are achieved. This development positions Ripple to potentially become America's first federally-chartered blockchain-focused banking institution, marking a watershed moment for both the company and the broader digital asset ecosystem. The July 2nd announcement has already begun influencing market sentiment, with many investors viewing this as a transformative step that could bridge traditional finance and cryptocurrency markets. The banking charter would not only legitimize Ripple's operations but could dramatically increase institutional adoption of XRP for cross-border payments and other financial applications. This regulatory clarity comes at a crucial time for the cryptocurrency industry, potentially setting a precedent for how other digital assets might achieve mainstream financial integration. Market observers are closely watching how this development might affect XRP's liquidity, utility, and ultimately its valuation in the coming months.

XRP Price Potential Surges as Ripple Pursues US Banking Charter

Ripple's bold regulatory MOVE could redefine XRP's market trajectory. The company's July 2nd announcement confirming its pursuit of a US banking charter and Federal Reserve master account has ignited speculation about the cryptocurrency's future valuation.

Vincent Van Code, a prominent XRP advocate, projects a $30-$50 price target should Ripple secure these approvals. The designation would position Ripple as America's first crypto-native bank, capable of holding reserves directly with the Federal Reserve and offering FDIC-insured services.

Technical analysts remain cautious despite the bullish fundamentals. XRP currently trades at $2.27, testing critical support at $2.16. EGRAG CRYPTO's chart analysis suggests longer-term targets between $15-$40 based on classical 'W' pattern formations.

Pundit Urges XRP Accumulation Ahead of Potential US Treasury Announcement

Alpha Lions Academy founder Edoardo Farina has intensified speculation around XRP, advising followers to acquire the asset before an anticipated U.S. Treasury disclosure. While details remain unsubstantiated, the claim aligns with Farina's recurring narrative of institutional XRP accumulation—including theories that Treasury may have covertly acquired portions of Ripple's 37 billion escrowed tokens.

Ripple's recent applications for a national bank charter and Federal Reserve master account through subsidiary Standard Custody lend credence to these theories. Approval would position Ripple as a quasi-official bridge between crypto and traditional finance, particularly for its upcoming RLUSD stablecoin. The developments fuel community belief that XRP could become infrastructure for government-sanctioned financial systems.

Ripple CEO Brad Garlinghouse to Testify at US Senate Hearing on Crypto Market Structure

The US Senate Banking Committee has scheduled a pivotal hearing on cryptocurrency market structure legislation, with Ripple CEO Brad Garlinghouse among key witnesses. The hearing, set for July 9 at 10 a.m. ET, will address proposed legislation introduced by four Republican senators aimed at clarifying regulatory jurisdiction over digital assets.

Garlinghouse's participation underscores Ripple's central role in ongoing debates about crypto classification. The legislation seeks to definitively distinguish between securities and commodities in the digital asset space—a division currently split between SEC and CFTC oversight. Market participants view this as a potential turning point for regulatory clarity.

Other witnesses include representatives from Blockchain Association, Chainalysis, and Paradigm. The hearing comes amid heightened scrutiny of crypto regulation following high-profile enforcement actions and calls for legislative frameworks to keep pace with industry innovation.

XRP Community's Resilience Rewarded as Pundit Declares Holders 'Deserve Prosperity'

Edoardo Farina, founder of Alpha Lions Academy and Head of Social Adoption at XRPHealthcare, asserts that XRP holders are positioned for prosperity due to their unwavering commitment to truth-telling in the face of market adversity. The community's steadfastness during Ripple's prolonged SEC lawsuit and XRP's stagnant price action at $0.5 exemplifies their conviction.

Farina highlights pivotal moments where XRP proponents defied mainstream crypto narratives, including Ripple's recent application for a U.S. banking license—a move CEO Brad Garlinghouse framed as strategic expansion. "We were right when others doubted," Farina notes, framing the community's persistence as a historical inevitability rather than mere speculation.

XRP Price Potential in a Tokenized Global Economy

Tokenization of real-world assets is transitioning from theory to reality, with blockchain poised to underpin the future of global finance. Dom Kwok, co-founder of Easy A, predicts a fully tokenized economy, sparking speculation about which digital assets will facilitate this shift.

XRP emerges as a leading contender, with analysts suggesting it could capture a significant share of value FLOW in a tokenized system. ChatGPT projections outline a scenario where XRP processes 1% of a $100 trillion tokenized economy—translating to $1 trillion in daily settlement volume. Such adoption could propel XRP to double-digit valuations.

The asset's utility as a settlement LAYER remains central to these forecasts, though market dynamics and adoption hurdles leave room for debate. Institutional interest in blockchain infrastructure continues to grow, with XRP's speed and cost efficiency positioning it as a pragmatic solution for cross-border value transfer.

Ripple Expands RLUSD Stablecoin Supply with 16M New Coins, Partners with AMINA Bank

Ripple has issued 16 million new RLUSD stablecoins, pushing its total market supply above $440 million. The move signals growing institutional demand for regulated, dollar-pegged crypto assets. Switzerland's AMINA Bank has become the first global financial institution to offer direct custody and trading services for RLUSD.

The stablecoin's reserves remain fully backed by cash and equivalents held under New York regulatory oversight. This latest expansion strengthens Ripple's position in the competitive stablecoin market, where USDT and USDC currently dominate. Institutional adoption is accelerating as blockchain-based payment networks require reliable settlement assets.

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