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Ripple’s efforts to become a federally regulated national bank have entered the final phase, sparking new forecasts for the XRP price. The process began in July 2025 and received conditional approval by December 2025, with completion now approaching. Ripple’s move could directly affect the future institutional use of XRP.

Ripple Advances U.S. National Bank Plans

Ripple has chosen a national bank charter over a state license, placing it under federal regulation. This approach allows it to bypass differing state laws and operate uniformly across the United States. Documents list the entity as Ripple National Trust Bank.

🏦 $XRP: Ripple will become a fully regulated and operational National Trust Bank, and there isn't anything anyone who doesn't approve can do about it 😤 pic.twitter.com/oo2AwPXDCn

— 🇬🇧 ChartNerd 📊 (@ChartNerdTA) January 4, 2026

The charter falls under the “Special Focus” category, meaning Ripple will provide custody, asset protection, and fiduciary services. The bank’s proposed address is 111–119 West 19th Street, Floor 6, New York, New York. The filing also identifies it as a member of the Federal Reserve system.

With Federal Reserve membership, Ripple could directly access U.S. financial infrastructure and services. This status enhances its integration with mainstream financial networks. Regulatory documents now show no strong opposition to the charter’s approval.

Analyst Chart Nerd confirmed, “The opposition no longer has the power to derail the process.” The application has entered its final review phase. Approval could place Ripple among the few crypto-native firms operating as a national trust bank.

XRP Price Expectations Post-Approval

XRP currently trades at $2.38 after a recovery began at the start of the year. Market analysts link XRP’s price direction to Ripple’s success in securing the charter. Google’s Gemini assessed potential scenarios for XRP based on future institutional use.

Gemini stated, “A national bank charter is viewed as a regulatory green light by many institutions.” It noted that Ripple plans to use the bank for RLUSD stablecoin reserves and custody services. This setup could improve XRP’s institutional utility.

Institutional access could support XRP’s use in liquidity and settlements, which may drive steady demand over time. A fixed supply structure would reinforce any utility-based price movement. Gemini stressed that hype alone won’t drive lasting price growth.

In a modeled forecast, Gemini projects a possible price of $10 to $15 by January 2027. This would require consistent demand and bank-backed utility. XRP would then approach a $600 billion market value at the $10 level.

Operational Status Could Shift Market Structure

Ripple’s bank charter completion would simplify its compliance obligations across U.S. states. Federal oversight would consolidate its regulatory framework. This could attract more institutions seeking stable partnerships.

The bank would also handle stablecoin-related operations under one national regulatory structure. This shift supports scalability for Ripple’s product suite. It also reinforces trust for clients needing custodial services.

As regulatory clarity grows, XRP could become more integrated into traditional financial systems. This would strengthen its role in institutional transfers. However, utility must follow regulation for prices to grow.

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