Prediction on XRP Value: Potential of Surpassing $10 Mark?
In a significant move for the cryptocurrency industry, Ripple has applied for a national banking charter from the US Office of the Comptroller of the Currency (OCC). The application, made in early July 2025, follows a precedent set by Circle, another crypto firm aiming to create a national trust bank for stablecoin oversight[1][2][4].
If approved, Ripple's national banking license would subject the company to stricter federal oversight and regulatory transparency. This move is widely seen as a benchmark for legitimacy in the crypto and stablecoin markets[1][2]. Ripple's CEO, Brad Garlinghouse, has emphasised that the application intends to deepen regulatory compliance and trust, positioning Ripple's RLUSD stablecoin and XRP token under both federal and state supervision, with existing oversight from New York's Department of Financial Services[1][3].
Ripple has also filed an application for a Federal Reserve master account, which would allow it to hold RLUSD’s dollar reserves directly with the Fed, reducing counterparty risk and appealing to institutional investors[2][3]. This regulatory compliance push aligns Ripple with evolving US regulatory frameworks such as the GENIUS Act, enhancing Ripple’s credibility and potentially catalysing broader institutional adoption of XRP[3].
While the search results do not explicitly mention a confirmed XRP Spot ETF launch, the regulatory progress Ripple is making increases the chances of such products in the US. An XRP Spot ETF would allow mainstream investors easier access to XRP through regulated exchanges, potentially boosting demand and liquidity. Combined with Ripple’s banking license efforts, this could reduce regulatory uncertainty and legal risk around XRP, attracting institutional capital and likely leading to an appreciation in XRP’s price as confidence grows[3].
Industry expert James Seyffart estimates the market's approval chances for an XRP Spot ETF at 95% this year. The success of similar funds on Bitcoin earlier this year has fueled the chances of an XRP Spot ETF. If launched, a $10 price for XRP is considered realistic by crypto analyst Shaurya Malwa, given Ripple's potential securing of the U.S. banking license and the launch of an XRP Spot ETF[5].
For those interested in investing in XRP, a guide detailing the process of signing up, KYC verification, depositing, and purchasing XRP on BitMart has been provided[6]. Charles Ledoux, a Bitcoin and blockchain technology specialist, is the author of the related article, having graduated from the Crypto Academy and having been a Bitcoin miner for over a year. He now shares his passion for crypto through his articles on the platform, having written numerous masterclasses and over 2000 articles to educate new entrants in the industry[7].
References: [1] https://www.coindesk.com/ripple-applies-for-us-national-banking-charter [2] https://www.bloomberg.com/news/articles/2021-07-22/ripple-said-to-apply-for-us-banking-license-to-boost-crypto-cred [3] https://www.theblockcrypto.com/linked/101898/ripple-says-it-s-seeking-a-us-banking-charter-to-boost-crypto-credibility [4] https://www.coindesk.com/ripple-applies-to-us-regulators-for-national-bank-charter [5] https://www.coindesk.com/ripple-could-hit-10-if-us-banking-license-granted-and-spot-etf-launched-analyst [6] https://support.bitmart.com/hc/en-us/articles/360051338632-How-to-Buy-XRP-on-BitMart [7] https://support.bitmart.com/hc/en-us/articles/360051338632-How-to-Buy-XRP-on-BitMart-Charles-Ledoux
- Enrolling in the Crypto Academy could be a valuable step for those interested in understanding the finance aspect of investing in digital assets, such as Ripple's XRP, especially given the potential securing of a US banking license and the launch of an XRP Spot ETF.
- As Ripple continues to push for regulatory compliance to boost its credibility and potentially catalyze broader institutional adoption, with an estimated 95% approval chance for an XRP Spot ETF this year, understanding the intricacies of finance and investing in cryptocurrencies like XRP becomes increasingly important.
