XRP Could Reach $50 if Ripple Secures OCC Bank Charter

Ripple submitted an application in July for a national trust bank charter with the U.S. Office of the Comptroller of the Currency (OCC). If approved, Ripple would gain Federal Reserve access, custody rights for digital assets, stablecoin issuance authority, and the ability to settle securities transactions as a federally regulated bank. This framework positions XRP as the primary liquidity token for tokenized finance, tapping into roughly $6.6 trillion in daily global bank settlements. Crypto analyst Pumpius calculates that diverting a fraction of this settlement volume through XRP’s fixed supply could push the price from the current level near $2.72 to $50, implying a 1 673% rally and a $3 trillion market cap. Pumpius also notes that Ripple’s progress in resolving its SEC lawsuit has cleared a key regulatory hurdle toward OCC approval. However, industry bodies like the American Bankers Association oppose national bank charters for crypto firms over fiduciary and regulatory concerns. Traders should monitor the OCC’s 120-day review deadline around October and any further regulatory developments, as approval could serve as a major bullish catalyst for XRP.