$XRP Crypto technical analyst Xaif Crypto recently shared a post on X highlighting a theory about the potential financial scale of Ripple if the company secures a banking license.

The post referenced comments from Sal Gilbertie, the chief executive of Teucrium, during an interview with Paul Barron. Gilbertie suggested that the company’s large holdings of XRP could place it among the world’s largest banks by capitalization under certain price scenarios.

In the tweet, Xaif Crypto summarized the argument, stating that if Ripple were to obtain a banking license while holding roughly 40 billion XRP on its balance sheet, the valuation impact could be substantial.

According to the scenario, if XRP traded at $3, those holdings would amount to approximately $120 billion. Xaif Crypto said that such a figure could place the company within the top 20 global banks by market capitalization.

The analyst added that a higher valuation for XRP could push that position even further. At prices above $6 per XRP, the total value of the holdings would rise beyond $240 billion. Xaif Crypto suggested that under those conditions, the company could rank among the ten largest banks globally, or even approach the top position, depending on market conditions.

👉Interview Discusses Balance Sheet Implications

During the interview referenced in the tweet, Gilbertie discussed the idea in detail while addressing Ripple’s reported plans to seek a banking license.

“You know, what’s Ripple going to do with its $40 billion XRP, given that they filed to be a bank?” Gilbertie said. “You know, there’s one of the leading theories that they just hold that on their balance sheet, they get their banking license, and they become a top 20 capitalized bank in the world. That’s with XRP at $3.”

Gilbertie continued by outlining the potential effect of higher asset prices. “XRP goes to, you know, some multiple of $3, they become a top 10 bank, or even the top bank in terms of capitalization. That’s pretty astounding.”

The conversation then shifted to the future of financial markets and the possibility that traditional financial instruments could eventually operate on blockchain infrastructure. Barron asked whether leveraged exchange-traded funds might one day be traded on-chain.

Gilbertie expressed confidence in the broader direction of financial technology. “I think everything will be on-chain. I don’t think there’s anything that won’t eventually be on-chain. There’s no question,” he said.

👉Community Commentary on Ripple’s Potential Role

An X user known as XRP Brasil also commented on the scenario shared by Xaif Crypto. The user argued that the key issue may not be whether Ripple becomes a bank in the traditional sense, but whether markets fully recognize the scale of its financial structure.

According to the comment, the company may already operate with characteristics similar to major banking institutions while maintaining a technology-focused public image. The user suggested that if current projections hold, the company’s balance sheet could eventually place it alongside global financial institutions such as Goldman Sachs, Banco Santander, and Itaú Unibanco.

The post emphasized that the difference lies in infrastructure. Instead of relying on legacy systems, the company’s operations revolve around blockchain-based settlement and financial models driven by digital assets.

According to the comment, markets may still be valuing the company primarily as a technology firm while overlooking the possibility that it could emerge as one of the largest financial institutions in the coming years.

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