XRP Stands at a Historical Turning Point: From Cryptocurrency to the National Bank of the United States?

Currently, the price of XRP is fluctuating around 2.72 USD, but a Bitcoin investor known as Pumpius believes that this coin could make a leap up to 50 USD. Notably, this bold prediction is not based on hype or vague expectations, but comes from a legal and institutional advancement that could change the entire landscape: Ripple is in the process of applying for a national banking license from the Office of the Comptroller of the Currency (OCC). OCC Charter – The Key to Unlocking the US Financial System According to circulating information, Ripple submitted a license application in July. OCC typically takes about 120 days to review and make a decision, meaning a ruling could come as soon as next October. If approved, Ripple will no longer be just a startup fintech company. Instead, they will become a legitimate national bank of the United States, standing alongside names like JPMorgan, BNY Mellon, or Citigroup. More importantly, this license will provide Ripple: Direct access to the Federal Reserve (Fed). Authority for digital asset custody (crypto custody). The ability to issue stablecoins under official regulation. The capability to settle securities and digital assets without intermediaries. XRP – Becoming a Global Liquidity Bridge? Pumpius believes that if Ripple obtains the OCC charter, they will eliminate many layers of intermediaries often seen in banking and decentralized finance operations. At that point, financial institutions will be able to trade and transfer liquidity directly through Ripple, with XRP serving as the central bridge. To visualize the potential: the global bank payment volume reaches approximately 6.6 trillion USD per day. Even if only a small fraction of this cash flow goes through XRP, the value of the coin could approach 50 USD, raising its market capitalization to 3 trillion USD, surpassing even the current market cap of Bitcoin (~2.1 trillion USD). Challenges from Traditional Banking However, not everyone agrees that the American Bankers Association (ABA) is urging the OCC to be cautious, arguing that: The national banking license for Ripple or Circle could break decades of strict regulations in the banking industry. Crypto companies may have an unfair advantage over traditional banks. There is a risk of circumventing state-level regulatory requirements, creating a legal loophole. Ripple and “The Long Game” It is important to note that Ripple has just overcome a long legal battle with the SEC, which has been the biggest hurdle for many years. With this victory, Ripple is seen as having almost integrated into the U.S. financial legal system, and the OCC charter may be the final piece. Although Pumpius predicts that XRP could rise to 50 USD, he does not believe that the price increase will happen “overnight.” Instead, he refers to it as a “controlled release” – a gradual process that will transition XRP from being a crypto asset to a pillar in the financial infrastructure of the United States. Conclusion At the current price of 2.72 USD, XRP is still just a cryptocurrency in the eyes of many investors. But if the scenario of Ripple becoming a national bank of the United States becomes a reality, it will be a turning point not only for Ripple but for the entire crypto industry. The upcoming October could be a historical milestone: either XRP will rise to a new height, or Ripple’s dream of a “blockchain bank” will be delayed for many more years.