$XRP is currently trading near $3, but some commentators believe the token could achieve much higher valuations if Ripple secures key regulatory approvals and gains broader corporate adoption. A recent analysis from community figure Pumpius explored how XRP could, under certain conditions, rise to a three-digit price.
✨Two Drivers Behind the Projection
Pumpius argued that XRP’s growth will depend on practical use rather than speculation. In his view, the token’s value comes from its role as a bridge for liquidity, enabling the transfer of funds across markets and borders.
He identified two scenarios that could substantially lift XRP’s price: Ripple obtaining a U.S. national trust banking license, and multinational corporations deploying the XRP Ledger (XRPL) for treasury and supply chain operations.
✨Banking License as a Catalyst
Ripple applied to the Office of the Comptroller of the Currency in July 2025 to establish Ripple National Trust Bank. If approved, the institution would be allowed to provide custody services, manage stablecoins, and operate with tokenized assets under federal oversight. A decision is expected in October.
Pumpius estimated that approval could result in annual settlement flows of roughly $500 billion through Ripple’s network, potentially supporting XRP’s climb to around $50. While the filing does not explicitly reference XRP, Ripple’s existing products and ecosystem suggest indirect benefits.
Ripple has prepared for this step by acquiring Standard Custody & Trust, securing partnerships with firms such as BNY Mellon for safeguarding reserves of its RLUSD stablecoin, and expanding into tokenization initiatives.
Ripple’s RLUSD, launched in late 2024, has achieved a market capitalization of over $730 million, showcasing Ripple’s increasing presence in regulated financial sectors.
Critics, however, remain cautious. Groups such as the Independent Community Bankers of America have raised concerns that federally chartered crypto banks could bypass certain consumer protection safeguards.
Ripple is seeking a Federal Reserve master account to enable direct management of reserves associated with its RLUSD stablecoin. This move could enable Ripple to tap into major payment systems and bolster its initiatives in regulated digital financial services.
✨Enterprise Adoption as the Next Step
In addition to regulatory progress, Pumpius suggested that large corporations moving treasury or supply chain functions to XRPL could unlock further value. He projected that if companies like Apple, Amazon, Microsoft, or Tesla shifted even a portion of their operations, XRP could help facilitate up to $5 trillion in annual flows. Under this scenario, he argued that XRP could reach as high as $100.
No major multinational has announced such a move, but Ripple already maintains relationships with more than 300 financial institutions. Many of these partners use XRP for cross-border settlement through its On-Demand Liquidity service.
Smaller firms, including VivoPower and Trident Digital, have also adopted XRP for treasury or payment purposes, offering early examples of corporate integration at a smaller scale.
✨Regulatory Clarity Could Encourage Growth
The legal environment for XRP has improved following the U.S. Securities and Exchange Commission’s 2023 ruling that secondary market sales of the token are not considered securities transactions. Supporters argue this clarity may encourage additional institutional interest, although widespread corporate adoption remains speculative.
While XRP remains far from the triple-digit levels suggested by Pumpius, his analysis reflects optimism within parts of the community about Ripple’s regulatory and enterprise prospects.
Achieving a federal trust banking license coupled with substantial corporate adoption could mark a pivotal advancement for Ripple and the XRP ecosystem.
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