XRP Could Hit $50 If Ripple Gets Bank License: | XRP News

Vincent Van Code, a software program engineer and long-time XRP advocate, ignited recent debate throughout the crypto group by outlining what he believes to be the transformative implications of Ripple’s bid for a US banking constitution and a Federal Reserve grasp account. The developments, which Ripple confirmed 2 July, would place the company on the epicenter of each crypto innovation and conventional financial infrastructure.

According to Van Code, the impression of such regulatory approvals would go far past Ripple’s present operations. “With Ripple announcing they are seeking a banking charter as well as a Fed master account, this means they will be the very first crypto bank,” he posted through X. He detailed that the transfer might permit Ripple to carry reserves straight with the Federal Reserve, bypassing industrial banks, and operate as a full-service financial establishment offering each fiat and crypto merchandise.

This would come with the power to supply FDIC-insured deposit accounts—doubtlessly even for sure crypto property—up to the $250,000 restrict, and lend towards crypto collateral resembling XRP. “That’s going to be nuts. And XRP is flying it all together,” he wrote, calling the potential integration of insured crypto banking and core cross-border remittances a paradigm shift. “2025 to 2026 will be marked in history as the era which the 100 year banking cartel began to crumble.”

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A grasp account would permit Ripple to work together straight with the Fed’s fee rails, together with Fedwire and FedNow, giving it full entry to the US financial system as a settlement counterparty. Combined with its push into stablecoins by RLUSD and its remittance infrastructure RippleWeb, such a regulatory leap might totally embed Ripple into each home and worldwide fee flows.

Impact On XRP Price

In a follow-up post, Van Code did one thing he says he hardly ever does: offer a particular XRP price prediction. “I usually don’t predict XRP price but often get asked, so here it is FINALLY,” he wrote. “My opinion is $30–$50. And this is no shill, I don’t expect anyone to agree with me. I am not prophet or time traveller. But my investment in XRP is based on this opinion.” While he didn’t decide to a timeframe, he emphasised that such targets aren’t arbitrary, however grounded in a set of unfolding macro and market catalysts.

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Among these catalysts, Van Code cited potential XRP spot ETF approval and an estimated $20–$50 billion in institutional capital inflows. He additionally pointed to a potential grasp account approval coupled with RippleWeb capturing 20–30% of the $1 trillion cross-border funds market, and international adoption of XRP as a bridge asset for central bank digital currency (CBDC) corridors in over 50 nations.

Van Code additional famous the rising use case for Ripple’s stablecoin RLUSD, arguing that demand for a Fed-backed digital greenback would reinforce XRP’s utility as a bridge currency. He additionally floated the concept XRP might be utilized in Saudi oil settlements, citing Ripple’s confirmed 2024 collaboration with the Saudi central bank as a potential basis for that evolution.

His posts have struck a chord within the XRP group. “People weighed in on XRP price… Lots of interesting opinions. But common across all is everyone expecting price to at least 5x. This is a great sign,” he stated.

The concept that XRP might rise to $30–$50 implies a market cap within the trillions, one thing skeptics will call out as unrealistic. But for XRP holders, particularly those that see Ripple’s regulatory path as a backdoor to institutional legitimacy, the confluence of a Fed grasp account, bank constitution, ETF inflows, and international adoption isn’t merely theoretical. It’s a roadmap.

At press time, XRP traded at $2.27.

Featured image created with DALL.E, chart from TradingView.com