U.S. lawmakers are advancing the Clarity Act, and one specific rule is quietly changing the conversation:
Any crypto asset aiming for commodity status cannot have a single related entity holding more than 20% of total supply.
⚠️ Here’s the issue:
Ripple still controls 30%+ of XRP, including roughly 34 billion tokens locked in escrow.
So what could happen next?
Some believe Ripple may eventually need to reduce its XRP holdings.
Others are pointing to a much bigger possibility…
💥 What if Ripple becomes a bank?
According to Brad Kimes from Digital Perspectives, a national bank charter could place Ripple under a different regulatory framework, potentially bypassing the 20% supply limitation altogether.
That would mean:
No forced selling
No sudden distribution pressure
No supply shock to the market
⚠️ This remains speculative. Regulators have not confirmed this path.
But even the possibility is already reshaping narratives.
🏦 Ripple’s Quiet Moves (Most People Overlooked This):
Ripple has already taken several concrete steps:
• Applied to form Ripple National Trust Bank
• Requested a Federal Reserve master account
• Sought direct access to Fedwire and FedNow
• Aiming for 24/7 issuance and redemption of RLUSD
• Removing reliance on third-party custodians
This is not retail positioning.
This is institutional infrastructure building.
🤖 Potential Price Impact? Here’s the Extreme Take:
Google Gemini AI suggests that if Ripple secures a banking charter and direct Fed access, it could represent one of the strongest institutional validations crypto has ever seen.
In a highly bullish scenario, projections go as far as:
$XRP → $50
The drivers behind such a move would be:
• Regulatory clarity
• Bank-level and institutional adoption
• Removal of long-standing legal and structural uncertainty
Most traders are still focused on short-term noise.
Smart capital is watching regulation, structure, and positioning.
⚠️ This is not financial advice.
Narratives usually shift before price does.If Ripple secures the license, $XRP may not wait for late entries.
