XRP Could Explode: Ripple's Banking License Demand Changes The Game

It had long raised hopes, and many had shelved their optimism. XRP, which dreams of touching 3 dollars, still hovers around 2.22 dollars. A frustrating figure for such an established crypto. Yet, the momentum seems to be shifting. Ripple, its parent company, has just played a trump card. And the indicators are turning green, unexpectedly. Is a game changer in sight? Let’s see.

Ripple Invites Itself to the Bankers: The Other Face of the Rebel Crypto

Gone are the regulatory ambushes, welcome to proactive regularization. Ripple, which has just withdrawn its appeal , no longer wants to fight the banking system: it wants to be part of it. By filing a national banking license application with the Office of the Comptroller of the Currency (OCC), the company reshuffles the cards. And this is not just a stance: this approach involves both federal and state supervision, especially by the NYDFS.

Brad Garlinghouse, CEO of Ripple, confirmed it on X:

Ripple files a national banking license application with the OCC. If approved, we will be supervised at both the federal and state levels.

At the same time, Ripple has also applied for a master account at the Fed, through its subsidiary Standard Custody. This would allow direct deposits of RLUSD reserves at the US central bank. A double regulatory offensive.

This stance transforms Ripple’s image, long seen as a system rebel.

XRP at $3? The Regulatory Bet Could Break Through Resistance

It’s the figure haunting wallets: 3 dollars. Can we believe it? Hard to say, but the timing favors a rebound. Since Ripple’s announcement, the price of XRP has increased by 3.2%, flirting with $2.27 before settling. Analysts are watching for an inverted head and shoulders technical pattern. If confirmed, target 2.65 $ then 3 $.

The market does not react only to technicals. It also feeds on institutional signals. Proof: the addition of XRP to Grayscale’s new multi-asset ETF. This opens the door to broader exposure, notably via regulated funds.

Ryan Lee, chief analyst at Bitget Research, highlights:

Ripple’s application for a US national banking license — placing its stablecoin RLUSD and XRP-related services under OCC supervision — marks a strategic initiative aimed at reinforcing regulatory compliance and institutional trust. On the same day, the SEC’s approval of Grayscale’s multi-asset ETF, which includes XRP, further legitimized the asset by offering regulated exposure to a broader investor class.

The catalysts are therefore multiple. But beware the legal uncertainty around XRP: it could slow this promised surge.

Stablecoins: The Backbone of the Battle Ripple Wants to Dominate

Behind the quest for the throne, a technical challenge: RLUSD. This Ripple-issued stablecoin aims to challenge the hegemony of Circle’s USDC. And to succeed, it must embody regulation incarnate. Hence the banking license. Hence also the request for a Fed account, which would strengthen fund security. A way of saying: “Trust us!“

The battle is also being fought in the corridors of the Senate. The GENIUS Act , recently adopted, specifically provides for strengthened supervision of stablecoin issuers. This is where Ripple wants to establish itself. And RLUSD, in the background, could become XRP’s choice ally in cross-border payments.

A few key figures to remember:

• XRP was trading at $2.22 at the time of the announcement;
• 3.2% increase in 24 hours after Garlinghouse’s tweet;
• Technical bullish target: $2.65 then $2.76;
• Support zone: $2.14, watch for pullbacks;
• An included ETF could amplify XRP liquidity.

The time is therefore for structuring. And Ripple, through its RLUSD, acts as a pioneer of a new crypto-banking model.

The Ripple crypto has rekindled the flame. Thanks to its regulatory breakthrough, XRP is gaining ground, supported by signs of growing adoption. The current block around 2.35 dollars could just be a plateau. A decisive lever remains pending: a fully dedicated XRP ETF could well be the springboard hodlers have been waiting for.