Ripple’s plan to secure a U.S. national banking license and a Federal Reserve master account is reigniting XRP’s price dreams, with bullish analysts pointing to $50 targets.Ripple has shaken the crypto market once again by formally applying for a national banking charter in the United States, marking a major leap from fintech firm to potential regulated bank. Alongside this, Ripple is seeking a Federal Reserve master account, a move that would grant it direct access to vital U.S. payment rails such as Fedwire and FedNow.The bold push has revived optimism around XRP’s long-term value, with prominent supporters like Vincent Van Code predicting the token could reach $30 to $50 in the coming years if adoption accelerates.
XRP Price Holding Steady as Bulls Eye Major Breakout
At the time of writing, XRP trades near $2.27, supported by a strong ascending trendline and bullish technical momentum. Traders are watching closely for a breakout above the $2.38 resistance level, which could trigger a push toward $2.50 and even $3.50 by the end of 2025 if sentiment holds.
A “golden cross” formation on the daily chart signals strengthening bullish momentum. Meanwhile, open interest in XRP futures is rising, showing increased appetite among leveraged traders.
Institutions and ETF Buzz Add Fuel to $50 XRP Debate
While some skeptics argue that a $50 XRP would imply an outsized market cap, Ripple advocates counter that traditional valuation comparisons don’t fully account for XRP’s unique role in payments, CBDCs, and tokenized banking services.
Grayscale’s recent inclusion of XRP in its large-cap ETF despite regulatory delays is seen by many as proof that Wall Street is warming up to the asset class. With Ripple’s push for banking status and real-world utility growing through RippleNet and potential partnerships like its ongoing work with Saudi Arabia, believers say the ceiling is far higher than critics claim.
What’s Next for Ripple?
Ripple’s audacious bet on becoming a regulated bank could redefine how crypto interacts with the U.S. financial system. If approved, the move would grant Ripple FDIC-insured deposit accounts and a competitive edge over many crypto rivals still operating without full regulatory clarity.
As XRP stays buoyed by technical strength and institutional interest, analysts agree the coming months could set the tone for whether this bold $50 target moves from hopeful speculation to reality.
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