XRP Price Prediction: XRP Set for $50 Surge if Ripple Secures U.S. Bank License, Analyst Says

The application, which also includes a request for a Federal Reserve master account, signals Ripple’s serious intent to integrate deeply with the traditional banking system.

This regulatory leap has prompted fresh XRP price predictions, with analysts pointing to growing institutional interest, ETF momentum, and real-world utility. One seasoned crypto advocate believes these catalysts could propel XRP to a staggering $50.

On July 2, Ripple confirmed its intent to become a full-fledged bank by applying for a national banking charter and a Federal Reserve master account. If approved, Ripple would join the ranks of Anchorage Digital as one of the few crypto-native firms with this level of access to the U.S. financial system.

Vincent Van Code, a software engineer and long-time XRP advocate, called this “a watershed moment” for Ripple. “They will be the very first crypto bank,” he said in a recent X post.

Vincent Van Code sees XRP reaching $30–$50, citing master account approval, RippleNet adoption, and potential ETF-driven institutional inflows. Source: Vincent Van Code via X

According to him, the banking license would allow Ripple to offer FDIC-insured accounts and directly interact with the Federal Reserve’s payment systems, including Fedwire and FedNow.

Van Code emphasized that Ripple’s integration of crypto and traditional finance—via stablecoins like RLUSD and cross-border payment networks—could fundamentally reshape the financial landscape. “This isn’t just about Ripple news—it’s about XRP leading a financial evolution,” he wrote.

While Van Code rarely makes specific XRP predictions, he broke his silence to suggest a long-term XRP price target between $30 and $50. “This is no hype,” he noted. “I’m not a prophet, but the path forward is clearer than ever.”

He pointed to several macro catalysts supporting his XRP price prediction:

• A potential XRP ETF approval amid growing institutional demand.
• RippleNet gaining 20–30% of the $1 trillion global remittance market.
• XRP’s increasing role as a bridge asset for central bank digital currencies (CBDCs).
• The expanding use of Ripple’s RLUSD stablecoin in government-backed financial ecosystems.

He also highlighted Ripple’s 2024 partnership with the Saudi central bank, speculating that XRP could eventually be used in oil trade settlements.

From a charting perspective, XRP today is holding firm above a key ascending trendline, currently trading around $2.27. Technical indicators are leaning bullish: a golden cross has formed between the 50-day and 200-day moving averages, and RSI is mid-range—leaving room for more upside.

XRP is eyeing a breakout as it forms an inverse head and shoulders pattern on the daily chart. Source: Juan-Wick on TradingView

Analysts believe XRP needs to clear the $2.38 resistance level to confirm short-term bullish momentum. “If XRP prints a bullish reversal off $2.22, this could trigger a swing trade to $2.38,” one analyst wrote, citing a rising wedge pattern and strong open interest, which has climbed to $4.6 billion.

The XRP crypto price prediction in the near term sees the coin testing $2.50 in August, with $3.50 potentially in sight before year-end—especially if regulatory clarity around ETFs improves.

Ripple’s momentum in the regulatory arena is not going unnoticed by Wall Street. The company’s banking ambitions have been accompanied by growing institutional involvement. Grayscale’s Digital Large Cap Fund, which was recently approved to convert into a spot ETF, now includes XRP coin alongside Bitcoin and Ethereum.

Although the SEC has temporarily stayed that approval pending clearer guidelines for digital ETPs, market watchers believe the inclusion of XRP signals a broader trend of institutional validation. “Once the SEC finalizes a framework, the floodgates could open for XRP ETFs,” said analyst Nate Geraci.

The result could be a wave of capital inflows from traditional finance into Ripple XRP—a scenario bulls argue would fundamentally change the XRP price prediction for 2025 and beyond.

While skeptics argue that a $50 XRP price would imply an unrealistic multi-trillion dollar market cap, supporters counter that market caps in the crypto world are more fluid than in traditional equities. Van Code believes that XRP’s deep integration into global payment systems and digital finance infrastructures could justify such a valuation.

XRP was trading at around $2.24, down 2.55% in the last 24 hours at press time. Source: XRP Liquid Index (XRPLX) via Brave New Coin

“There’s a convergence of tech, regulation, and utility that we haven’t seen before,” he noted. “Will XRP go up? If even half of these catalysts materialize, the answer is yes—possibly in a big way.”

The combination of Ripple’s regulatory push, rising institutional exposure, and strong technical indicators paints a promising picture for XRP in both the short and long term. While $50 remains an ambitious target, it’s no longer dismissed as a fantasy within the community.

As regulatory frameworks for ETFs evolve and Ripple potentially secures its bank charter, XRP news today suggests the token is well-positioned to transition from speculative asset to institutional-grade infrastructure. The next few months will be critical in determining whether this bold forecast turns into reality.