XRP Price Explosion Incoming? Banking Sector Shift Fuels $30-$50 Predictions

Forget "stablecoins"—XRP might be the real banking disruptor. A seismic move by financial institutions could catapult Ripple’s token into price discovery mode.

Banking’s worst-kept secret: Legacy rails are crumbling. Now, one analyst claims XRP’s infrastructure play positions it for a violent revaluation. The $30-$50 target isn’t moon math—it’s a bet on banks finally ditching their fax machines for blockchain.

Of course, Wall Street will still take a 2% management fee to custody your XRP. Some traditions never die.

TLDR

• XRP advocate Vincent Van Code predicts $30-$50 price target if Ripple obtains US banking charter and Federal Reserve master account
• Ripple announced on July 2nd they are seeking banking charter and Fed master account, potentially becoming first crypto bank
• XRP currently trading at $2.27 but struggling to hold key $2.16 support level according to technical analysis
• Analyst EGRAG CRYPTO sets long-term targets of $15, $22, and $40 for XRP based on classic ‘W’ pattern
• Banking charter would allow Ripple to offer FDIC-insured deposits and lend against crypto collateral like XRP

Ripple’s recent announcement about seeking a US banking charter and Federal Reserve master account has sparked fresh debate about XRP’s future price potential. The company confirmed these regulatory pursuits on July 2nd, marking a potential turning point for the cryptocurrency.

Vincent Van Code, a software engineer and XRP advocate, believes these developments could transform Ripple’s position in the financial sector. He argues that obtaining these approvals would make Ripple the first crypto bank in the United States.

With Ripple announcing they are seeking a banking charter as well as a Fed master account, this means they will be the very first crypto bank that:

1. Holds reserves directly with the Feds, ie no bank required
2. Can provide banking services, and likely include crypto.
3. Can…

— Vincent Van Code (@vincent_vancode) July 2, 2025

The banking charter WOULD allow Ripple to hold reserves directly with the Federal Reserve. This would eliminate the need for commercial bank intermediaries. The company could then operate as a full-service financial institution offering both traditional and crypto products.

Van Code outlined several potential services Ripple could provide. These include FDIC-insured deposit accounts up to $250,000, potentially covering certain crypto assets. The company could also lend against crypto collateral such as XRP.

A Federal Reserve master account would grant Ripple direct access to Fed payment systems. This includes Fedwire and FedNow payment rails. Such access would position Ripple as a settlement counterparty within the US financial system.

Price Predictions and Market Targets

Van Code made a rare price prediction for XRP, setting a target range of $30-$50. He emphasized this opinion is based on specific market catalysts rather than speculation. The analyst cited potential XRP spot ETF approval as one factor supporting his outlook.

He also pointed to estimated institutional capital inflows of $20-$50 billion. Van Code believes RippleNet could capture 20-30% of the $1 trillion cross-border payments market. He sees potential for XRP adoption as a bridge asset for central bank digital currencies across 50+ countries.

The analyst mentioned Ripple’s stablecoin RLUSD as another growth driver. He argues demand for a Fed-backed digital dollar would increase XRP’s utility as a bridge currency. Van Code also suggested XRP could be used in Saudi oil settlements, referencing Ripple’s 2024 collaboration with the Saudi central bank.

Technical Analysis Shows Mixed Signals

Despite the optimistic long-term outlook, XRP faces near-term technical challenges. The cryptocurrency currently trades at $2.27, down over 1% despite broader market recovery. XRP has been consolidating between $1.91 and $2.34 over the past 30 days.

Analyst CasiTrades identified $2.16 as a crucial support level for XRP. The cryptocurrency recently pulled back from $2.30 resistance to retest the $2.18-$2.16 consolidation zone. A hold above this level would confirm the bullish trend and potentially trigger the next extension wave.

The analyst noted signs of seller exhaustion and RSI divergence. These indicators suggest the current pullback might present a buying opportunity. If XRP stabilizes above $2.25, it could target $2.69, $3.04, and higher levels.

However, a breakdown below $2.16 could lead to deeper losses. This scenario might result in a trend reset targeting the $1.90 support level. The cryptocurrency’s RSI currently hovers NEAR 50, indicating neutral momentum.

Another analyst, EGRAG CRYPTO, remains optimistic about XRP’s long-term prospects. He outlined three price targets based on a classic ‘W’ pattern formation. The conservative target stands at $15, with average and optimistic scenarios at $22 and $40 respectively.

#XRP – W Pattern Number 10 & Targets! 🎯

Here’s a visual of the classic 'W' pattern and the targets to watch: 🎯

▫️Conservative: $15 💰
▫️Average: $22 🚀
▫️Optimistic: $40 🔥

But please, I beg you, literally Begging you take your initial capital at lower targets, starting… pic.twitter.com/TotTaGfefx

— EGRAG CRYPTO (@egragcrypto) June 30, 2025

EGRAG CRYPTO emphasizes the importance of strategic profit-taking and risk management. He advises investors to secure profits along the way rather than relying solely on predictions. The analyst highlights the need for XRP to break out of a descending channel, targeting a close above $2.40.

The cryptocurrency touched a daily high of $2.21 and a low of $2.15 in the last 24 hours. XRP has gained approximately 1.6% over the monthly timeframe despite recent weakness. The global crypto market cap rose 0.7% to $3.31 trillion during the same period.