Ripple is on the brink of a significant transformation with its U.S. national bank license application, which is now considered imminent. This expected approval could have a profoundly positive impact on both Ripple and its digital asset, XRP.
Ripple’s National Bank License Application
Ripple submitted its application for a national bank charter and a Federal Reserve master account in July 2025. If approved, this license would enable Ripple to function as a regulated bank, allowing it to offer services such as deposits, custody, and direct Federal Reserve settlements. This development also means that Ripple’s stablecoin, RLUSD, would gain regulatory parity with traditional banking money.
Impact on XRP and Financial Credibility
Securing a national bank charter would propel Ripple into mainstream finance. It would provide the company with enhanced credibility among cryptocurrency projects as a fully regulated institution. The transformation could elevate XRP from a speculative asset to a reliable bridge asset, essential for cross-border payments, stablecoin issuance, and institutional liquidity.
Steph is Crypto, a cryptocurrency analyst, highlights the potential financial infrastructure breakthrough that the license approval represents. Integration into the regulated banking system could build confidence among both U.S. and global institutions. This confidence might drive the real-world demand for XRP, RLUSD, and Ripple’s payment solutions, ultimately leading to price gains.
XRP’s Performance Trends
Currently, XRP is testing a critical support level at $2. According to market expert Vlad Anderson, buyers show strong interest, contributing to an impressive 77% increase in trading volume while maintaining a price above $2.08. This activity indicates a significant market focus on XRP.
- Support Level: $2.02 is a crucial line to watch.
- Potential Lower Range: If this support fails, XRP could drop to a range of $1.85–$1.90.
- Market Dynamics: XRP’s performance contrasts sharply with BTC, ETH, and SOL, which have struggled recently.
Market Conditions and Future Outlook
XRP finds itself at a critical juncture. Strong buying interest and favorable technical indicators suggest that the cryptocurrency may be experiencing a “final squeeze.” This phase often precedes pronounced market movements and tends to attract speculative investors.
As XRP stands between two critical scenarios—support at $2.02 and the potential for a bullish breakout—the upcoming days are pivotal. Investors eagerly anticipate whether XRP will surge or face a temporary retraction. Whatever the outcome, XRP is positioned to become a focal point in the cryptocurrency market.
Conclusion
The looming approval of Ripple’s U.S. national bank license holds the promise of revolutionizing the landscape for both the company and XRP. This milestone would enhance institutional adoption and solidify XRP’s role in cross-border transactions. Meanwhile, through strong market support and volume, XRP appears poised for potential high volatility in the coming days. This decisive moment could significantly shape its trajectory within the crypto arena.
