XRP Price Path to $50? Bitcoin Investor Predicts “Controlled Launch” if Ripple Becomes a U.S. Bank
XRP price is sitting at about $2.72, but one Bitcoin investor thinks it could make a huge leap all the way to $50. His argument isn’t based on hype or wild speculation.
Instead, it comes down to a major regulatory move that could turn Ripple into a full-scale U.S. bank and put XRP right at the center of global finance.
The investor, who goes by Pumpius, says Ripple is in the middle of applying for a national bank charter from the U.S. Office of the Comptroller of the Currency (OCC). Ripple reportedly applied in July, and the OCC usually has 120 days to decide. That means we could see a ruling as early as October.
This isn’t just another license. It’s the same type of charter that big names like JPMorgan, BNY Mellon, and Citi hold. If Ripple gets it, the company would no longer be seen as just a fintech startup. It would become a national bank, with XRP driving its settlement system.
So why is this such a big deal? With an OCC charter, Ripple would gain direct access to the Federal Reserve, plus the authority to custody crypto, issue stablecoins, and settle securities.
Pumpius argues this would remove the middlemen that usually stand between banks and tokenized finance. Instead, institutions could go straight to Ripple, with XRP acting as the bridge asset that moves liquidity across the network.
To put this into perspective, global bank settlements total around $6.6 trillion every single day. Even if only a fraction of that volume runs through XRP, the price could easily move toward $50. That would give XRP a market cap of about $3 trillion, which is even bigger than Bitcoin’s current $2.1 trillion market value.
#Bitcoin Investor Explains How $XRP Will See a Controlled Launch to $50 Soon.🧵🧵🧵 pic.twitter.com/JKZa21Yi3i
— TheCryptoBasic (@thecryptobasic) September 1, 2025
Pumpius also pointed out that Ripple’s long legal battle with the SEC is now behind it. While many saw the lawsuit as the biggest hurdle, he believes it was just one step toward aligning Ripple with U.S. regulations and setting the stage for OCC approval.
If the charter is approved, he doesn’t expect XRP to just moon overnight. Instead, he describes it as a “controlled launch”, a steady rollout where XRP moves from being seen as a crypto asset to becoming part of the backbone of U.S. financial infrastructure.
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Not everyone is on board, though. Groups like the American Bankers Association are urging the OCC to slow down. They argue that granting Ripple or other crypto firms like Circle a charter could skip over decades of banking rules, give crypto companies an unfair edge, and let them sidestep state-level regulation.
Moreover, the bold $50 prediction for XRP depends entirely on Ripple winning that national bank charter. A decision could come in just a couple of months, and if it’s approved, Ripple would gain direct access to the U.S. financial system with XRP at its core.
For now, XRP price is still trading at $2.72, but if this scenario plays out, it could be one of the biggest turning points not just for Ripple, but for crypto as a whole.
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