Ripple is entering a new era of institutional dominance. In July 2025, the blockchain payment giant applied for a license to launch Ripple National Trust Bank, a national trust bank with a limited purpose, headquartered in New York. The goal: to provide custody services, encryption infrastructure, and enterprise-grade stablecoin management—without operating as a traditional deposit-taking bank.
This move includes a requirement for a Primary Account from the Federal Reserve, allowing Ripple direct access to the U.S. payment system for settlements, a groundbreaking step in integrating cryptocurrency into the traditional banking system. Although the bank is still awaiting final approval from regulators, this announcement has sparked market speculation, particularly around Ripple's native token XRP and major assets like Ethereum.
XRP Testing Key Levels as the Market Aims for $3.69
Currently trading in the range of $3.03 to $3.07, XRP has recently escaped the downtrend channel but is now facing resistance at $3.14 and $3.34. Technical analysts note that a strong breakout above $3.34 could trigger a price surge to $3.69 or even higher, especially if regulatory clarity continues to improve.
The bank proposed by Ripple could accelerate XRP adoption by reinforcing institutional confidence. With dedicated infrastructure to safeguard reserves, manage RLUSD (Ripple's stablecoin), and facilitate cross-border payments, XRP could become the centerpiece of a tightly regulated and scalable payment system.
Bullish scenario? A legal victory combined with the approval of a banking license—two catalysts that could propel XRP to new heights.
Ethereum Approaches the $4,000 Mark as Buyers Gain Control
Ethereum is trading strongly in the range of $3,555 to $3,720. After increasing over 40% in the past month, ETH is showing resilience amid overall market volatility. The main resistance levels are at $3,881 and $4,234, and analysts remain optimistic provided ETH continues to defend the $3,400 area.
Ethereum also indirectly benefits from Ripple's banking activities, thanks to the broader legitimization of tokenization infrastructure and integrated blockchain banking services. With ETH's increasing presence in tokenized treasuries, stablecoins, and DeFi infrastructure, any moves towards regulatory clarity are likely to bolster Ethereum's investment advantage.
Conclusion: Ripple's Banking Operations Are Creating a Precedent
Ripple's proposal for National Trust Bank is not just a mere cryptocurrency headline—it also signals that blockchain is gradually penetrating the core financial architecture of Wall Street. If approved, it could elevate XRP and ETH to new heights—and potentially spur a new generation of breakthrough altcoins.