Dec 9, 2025
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Analyst Predicts Ripple Bank Charter Could Propel XRP to $50
The XRP price is currently over 45% below its all-time high, with market uncertainty contributing to its decline. A crypto analyst, Pumpius, predicts XRP could reach $50, citing a potential national trust bank charter from the US Office of the Comptroller of the Currency (OCC) as a catalyst.
XRP's Potential Surge
- Pumpius suggests that Ripple obtaining a banking license could increase XRP’s price by over 2,300%, moving it directly to $50 without gradual climbs.
- Approval would allow Ripple to act like major US banks, accessing the Federal Reserve and managing crypto custody, stablecoin issuance, and securities settlement.
- This regulatory approval could position Ripple as a key player in US tokenized finance and enhance liquidity and institutional demand for XRP.
- Even routing a fraction of daily global settlements through XRP could significantly boost its price.
Legal Context
- Pumpius views Ripple's legal victory against the SEC as paving the way for regulatory clarity and a bid for the bank charter.
- He believes the OCC’s approval of Ripple’s banking license would transform XRP into a crucial component of US financial infrastructure.
