Ripple’s CEO, Brad Garlinghouse, announced that Ripple has applied for a national bank charter with the Office of the Comptroller of the Currency. If approved, Ripple would operate under both state and federal supervision since it already holds a BitLicense from the New York Department of Financial Services. This would place Ripple in a unique position as a crypto company with full regulatory backing.
Garlinghouse emphasized that Ripple’s focus on compliance sets it apart. He believes securing a banking license would raise the level of trust for Ripple and also for its RLUSD stablecoin. He also revealed that Ripple’s subsidiary, Standard Custody, has applied for a master account with the Federal Reserve. This account would allow Ripple to store RLUSD reserves directly at the central bank, a move that could make RLUSD one of the safest stablecoins on the market.
True to our long-standing compliance roots, @Ripple is applying for a national bank charter from the OCC. If approved, we would have both state (via NYDFS) and federal oversight, a new (and unique!) benchmark for trust in the stablecoin market.
— Brad Garlinghouse (@bgarlinghouse) July 2, 2025
Earlier in the week via… https://t.co/IdiR7x3eWZ
What you'll learn 👉
Why Analysts Think XRP Could Skyrocket
TheCryptoBasic shared insights from XRP Investing, a community analyst, who said that a banking license would give Ripple the same standing as major banks like JPMorgan. He noted that direct access to the Federal Reserve would provide unmatched credibility and security for RLUSD.
This level of trust could encourage banks to adopt XRP for fast and affordable cross-border payments. While the XRP price did not react instantly, the long-term potential looks massive if these regulatory milestones are achieved.
ChatGPT Models Predicting XRP Price Targets
TheCryptoBasic also asked ChatGPT to evaluate how high the XRP price could climb if Ripple secures its banking license and Fed access. The chatbot provided four valuation models with different assumptions.
First was the Institutional Utility Model. Here, Ripple would process just 10% of SWIFT’s $150 trillion annual volume through XRP. With a turnover rate of 25 times per year, the system would require around $600 billion worth of XRP in circulation. Dividing this by XRP’s 55 billion circulating tokens gives a price of about $10.91. This estimate is based only on utility and does not include speculation.
The second model, called the RLUSD + Fed Access Model, imagined RLUSD growing to the size of USDC’s current $32 billion market cap. If XRP bridges half of RLUSD’s on-chain transactions, it would need $5 billion of liquidity. Adding a fifteen-times trust premium for regulatory oversight would push the XRP price to around $13.65.
The third model, the Tokenization Market-Share Model, considered the future of real-world asset tokenization. Analysts expect this market to reach $16 trillion by 2030. If Ripple captures 3% of it and XRP handles one-quarter of those transactions, it would need to cover $120 billion. Dividing that by the current XRP supply suggests a baseline price of $2.18, but a ten-times premium for compliance and institutional demand could drive the price up to $21.80.
The last approach, the Network-Value-to-Transaction Model, focused on expected on-chain activity. If daily XRP settlement volumes reach $30 billion once banks adopt Ripple Payments widely, and assuming a typical NVT ratio of 25 to 30, the total network value could approach $900 billion. Dividing that by the circulating XRP supply leads to a price near $16.36.
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It Would Be a Game Changer for Ripple
Ripple’s application for a banking license is a game-changer if approved. As Brad Garlinghouse said, it shows Ripple’s commitment to compliance and building trust with regulators, banks, and investors. According to TheCryptoBasic and analysis from XRP Investing, Ripple’s move could place it among the world’s biggest financial players.
Meanwhile, ChatGPT’s models suggest XRP could rise to between $10 and $22 if Ripple succeeds, depending on how widely banks and institutions adopt its solutions. Ripple price watchers now have more reason than ever to stay tuned.
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