Ripple becoming a bank—"everything has changed"! But what does this mean for XRP—should you buy now?
Ripple (XRP)
Ripple's XRP
Update: May 5, 2025
Ripple investors are excited! Significant changes are happening at the publisher of XRP, Ripple Labs—they are set to become a bank. What does this mean for Ripple (the fourth most valuable cryptocurrency)? Is it worth starting? What developments should investors expect?
On the weekly chart, Ripple's XRP is currently down 6.25—does this represent a buying opportunity? New XRP predictions indicate that the Ripple token will face bullish developments—everything will change. Because:
"Ripple Labs will become a bank."
XRP daily chart shows losses—entry opportunity?
The current trading price of Ripple is $2.17, down 1.42% in the last 24 hours. This weakness is not limited to XRP—many currencies are currently under pressure, not just Bitcoin (-1.17%).
How high will Ripple go?
Double digits, then triple digits—even more? As current cryptocurrency predictions suggest, this momentum could now also revive Ripple's price. Analysts speculate: how long will the price hold at the lows if Ripple Labs transforms from a cryptocurrency company into a fully functional bank? Industry observers StellarNews007 are convinced: Ripple Labs is "no longer just a tech company"—it is the future central bank of the United States! Analyst:
"Ripple is building the infrastructure layer for the next generation financial system; obtaining a banking license is the final step.
With a license, they can access global funding without restrictions.
(2/🧵) Most people think Ripple is just a cross-border payment company.
Wrong.
Ripple is building the infrastructure layer for the next generation financial system, and obtaining a banking license is the final step.
With just one license, they can unlock unrestricted access to global funding. pic.twitter.com/QN3WAIhkQL— Stellar Rippler
It is worth noting: Ripple Labs has not even tried to cooperate with banks—they want to eliminate the need for banks! Of course, the biggest question now is: what does this specifically mean for investors? What advantages are there in transitioning from a financial company to a credit institution? Predictions on this:
Direct access to central bank systems
The possibility of issuing loans, credit, and even custodial assets
Legal authority to handle fiat and cryptocurrencies
Seamless integration with CBDCs and stablecoins
Limit intermediaries
(3/🧵) What happens when a tech company becomes a bank?
• Direct access to central bank systems
• Ability to issue loans, credit, and even custody of assets
• Legal authority to handle fiat and cryptocurrencies
• Seamless integration with CBDCs and stablecoins
What level will Ripple reach by 2030?
Ripple Labs as a bank—this is the driving force behind the surge in XRP prices. With a banking license, Ripple can issue stablecoins under the Ripple brand, surpassing RLUSD! Additionally, Ripple will be able to provide cryptocurrency custody services to large investors, acting as a digital clearinghouse for CBDCs, and more! This cryptocurrency giant will suddenly become the largest currency hub—and may even formulate corresponding plans for its subsidiaries. Not to mention the XRP ETF, which is also in its early stages, and the large-scale buying intentions currently expressed by Ripple Labs. Is Ripple's XRP ready to rise to four-figure prices?
Currently, Ripple Labs is at least rapidly preparing to transform into a bank and has completed many steps. These include regulatory clarity, strong capital (assets exceeding $25 billion), global payment corridors covering over 70 countries, CBDC pilot projects in countries like Bhutan, Palau, and Montenegro, as well as first-class relationships established with the Bank for International Settlements, the International Monetary Fund, and various central banks. The only thing missing is a banking license. According to Ripple's (XRP) predictions, once acquired, XRP will become the "pillar of liquidity." Everything will run through XRP: CBDCs, real estate, tokenized stocks—everything.
"If Ripple becomes a bank, XRP will become the pillar of liquidity."
CBDC → XRP
Stablecoins → XRP
Tokenized securities → XRP
Real estate → XRP
As XRP connects these assets, it is gaining real demand.
The kind that central banks cannot ignore.
