$XRP
Could See Major Upside if Ripple Becomes a Bank
The proposed U.S. Clarity Act may require crypto-related entities to hold under 20% of a token’s supply. This has raised questions around Ripple’s XRP holdings, as Ripple currently controls over 30% of the total supply.
Some analysts believe this concern could fade if Ripple secures a U.S. national banking charter. In July 2025, Ripple applied to the OCC and requested a Federal Reserve master account, aiming to strengthen its cross-border payments and support 24/7 $RLUSD issuance.
According to Google Gemini, a banking license would be a strong signal of institutional trust. In an extremely bullish scenario, $XRP could reach $50, driven by regulatory clarity, rising institutional adoption, and increased demand through Ripple’s On-Demand Liquidity (ODL) system.
⚠️ This remains speculative and depends on regulatory approval.
What do you think — bullish or already priced in?
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