Nirav_Finance

@Nirav_Finance
$XRP U.S. lawmakers continue to work on the Clarity Act, and the conversation around whether Ripple would have to divest its XRP holdings has gained momentum.
Notably, most market watchers believe Ripple may need to cut its XRP holdings because the bill sets a strict rule barring anyone tied to a crypto project from holding more than 20% of the total token supply before that asset could qualify as a commodity.
👉Would Ripple Divest Its XRP Holdings?
Notably, with over 34 billion XRP tokens in escrow alone, Ripple still controls more than 30% of all XRP. As a result, community commentators expect the company to face major decisions once the bill moves forward.
One such commentator is Brad Kimes from Digital Perspectives. He argued that Ripple must drop its holdings below the 20% mark to meet the bill’s requirements.
Interestingly, Kimes presented the possibility that Ripple could hand a portion of its XRP to the U.S. government or the White House without receiving anything in return. Notably, such a move could help Ripple meet the threshold without using traditional selling or distribution methods.
Meanwhile, in a subsequent disclosure, Kimes claimed that this issue might disappear entirely if Ripple becomes a bank. Essentially, he believes that a national bank charter would place Ripple under a different rulebook, which could remove any need to cut XRP holdings.
However, it is important to note that this idea remains speculative and largely unconfirmed. Regulators have not suggested that being a bank would remove the 20% maximum holding threshold from any entity.
👉Ripple’s Banking License Push
For context, in July 2025, Ripple sent a formal application to the Office of the Comptroller of the Currency to create Ripple National Trust Bank as a brand-new national trust bank. At the same time, the company asked the Federal Reserve for a master account, which would give it direct access to Fed payment systems, including Fedwire and FedNow.
Ripple aims to use this setup to support 24/7 issuance and redemption of RLUSD while holding reserves directly with the Federal Reserve. This would strengthen its cross-border payment operations by removing the need for outside custodians. At press time, the OCC has neither approved nor denied the application, and the review continues.
👉XRP Price if Ripple Gets a Banking Charter
Notably, besides the potential waiver suggested by Kimes, this banking charter may also influence XRP’s price action. However, the extent of such an impact remains largely unclear, so we asked Google Gemini for an assessment.
According to Gemini, winning a national trust bank charter, along with direct Fed access, would represent one of the strongest signs of institutional acceptance that any crypto project has ever received.
The AI chatbot said XRP could reach $50 in an extremely bullish situation. It believes this leap would come from several forces working together. According to Gemini, major financial institutions could quickly adopt XRP once regulators clear the uncertainty that has held many firms back.
XRP Price Prediction | Google Gemini
It also said Ripple’s On-Demand Liquidity system could start replacing parts of the global Nostro and Vostro account structure. Because of ODL’s connection to XRP, Gemini expects demand to rise sharply.
It said this type of sudden demand could tighten available liquidity and force the market to reprice XRP to match the scale of international settlement flows. The chatbot added that such a major regulatory breakthrough would likely trigger a wave of enthusiasm from both large investors and retail traders, pushing XRP even higher in the short term.
🚀🚀🚀 FOLLOW BE_MASTER BUY_SMART 💰💰💰
Appreciate the work. 😍 Thank You. 👍 FOLLOW BeMaster BuySmart 🚀 TO FIND OUT MORE $$$$$ 🤩 BE MASTER BUY SMART 💰🤩
🚀🚀🚀 PLEASE CLICK FOLLOW BE MASTER BUY SMART - Thank You.
#Nirav_Finance
#Binance
#TrumpTariffs
#CPIWatch

@Nirav_Finance
XRP Fans Want $1,000, Analysts See $30 — but Franklin Templeton Says One Missing Variable Will De...
The post XRP Fans Want $1,000, Analysts See $30 — But Franklin Templeton Says One Missing Variable Will Decide the Real Price appeared first on Coinpedia Fintech News
An interesting debate around XRP has resurfaced after ETF analyst Nate Geraci raised a question many investors quietly ask: How high can XRP actually go from here?
Geraci said that XRP trades near $2 with a market cap of about $125 billion. Even if the token ever grew to match Bitcoin’s current $1.8 trillion valuation, it would land somewhere near $30. Yet the crypto world remains full of predictions calling for $1,000 XRP or even higher.
To dig into the real fundamentals, Geraci turned to Christopher Jensen, Portfolio Manager and Director of Digital Asset Research at Franklin Templeton. Jensen didn’t offer price predictions, but he did explain how serious investors evaluate XRP’s long-term upside.
XRP’s Value Depends on Payments, Not Price Hype
Jensen said the investment case for XRP starts with Ripple’s push to build a global payments network. The company has spent years buying firms and inserting XRP into their systems so the token becomes part of the “back-end plumbing” that moves money.
He explained that Ripple wants XRP to serve as a kind of standard payment rail,  a digital highway that institutions can use for cross-border transfers, settlement, and internal payments. If XRP becomes widely integrated into financial infrastructure, demand for the token could grow.
The Real Question: Does Activity Flow Back Into the Token?
Jensen explained something most retail investors overlook: value accrual.
Every blockchain handles this differently. If someone sends $5 of stablecoins on Ethereum, Solana, or Ripple’s network, the benefit to the native token varies. Some networks capture a lot of value, while others capture very little.
For XRP, future price appreciation depends on how much economic activity actually returns to the token, not just how many banks or companies use Ripple’s software.
Market Share Will Decide XRP’s Ceiling
Payments are one of the largest markets in crypto, but they’re also competitive. Solana and other fast networks already handle a huge volume of transactions. Jensen said investors need to consider market share, adoption, and how Ripple positions XRP as a standard for different payment use cases.
If XRP becomes the preferred rail for global money movement, the upside could be significant. If not, it may stay tied to realistic growth ranges rather than sky-high predictions.
In short, the long-term value of XRP will not be decided by big predictions — but by whether Ripple succeeds in turning the token into the backbone of modern payments.
$BTC
$XRP
$SOL
#Nirav_Finance
#WriteToEarnUpgrade

Crypto/Web3 Circus
Stream Schedule👇
👀 Pudgy Party: let the madness begin
📅 Tuesday, December 16 — 13:00 UTC
https://www.binance.com/BoobaTv/PudgyParty
👀 AI Detection Tools: how not to become the star of a fake clip
📅 Wednesday, December 17 — 16:00 UTC
https://www.binance.com/BoobaTv/AiDetectionTools
👀 Digital Tea: the Web3 gossip running ahead of the market
📅 Thursday, December 18 — 13:00 UTC
https://www.binance.com/BoobaTV/DigitalTea
⭐ Pudgy Party: let the madness begin
📅 Tuesday, December 16 — 13:00 UTC
Pudgy Party throws you straight into tight party-royale rounds set in the Pudgy Penguins universe.
Stages shift fast, new obstacles drop in without warning, and you get those moments where you’re sure you’re out — then somehow you pull it back and stay in the run.
We’ll walk through what a real match feels like from the inside: movement, timing windows, risky calls, and the customization that gives your penguin its own presence on the field.
In the stream:
• a “front-row” look at precise jumps and last-second escapes
• plays that light up the whole lobby in an instant
• skins and setups that shift the entire vibe of a run
https://www.binance.com/BoobaTv/PudgyParty
Pudgy Party. Let the madness begin
⭐ AI Detection Tools: how not to become the star of a fake clip
📅 Wednesday, December 17 — 16:00 UTC
This stream gathers viewers who want to understand how modern content manipulation works.
We will test videos and photos live to see where technology starts playing hide-and-seek.
We will show tools and popular apps that help quickly understand what you’re looking at.
In the stream:
– tools for identifying AI-generated content
– visual cues that are easy to notice
– ways to explain this to people encountering it for the first time
https://www.binance.com/BoobaTv/AiDetectionTools
AI Detection Tools: how not to become the star of a fake clip✨
⭐ Digital Tea: the Web3 gossip running ahead of the market
📅 Thursday, December 18 — 13:00 UTC
This stream brings together viewers who want to hear the stories Web3 chats are already whispering about.
We gathered the week’s moments that shape the industry’s mood: wallet movements that stand out, team decisions that set a new tone for discussions, and details that attract attention like an early hint of a story.
The format gives a full picture and keeps the rhythm of the week flowing.
In the stream:
– moments that shape community reactions
– team decisions that guide the tone of conversations
– details that are easy to remember and fun to discuss
https://www.binance.com/BoobaTV/DigitalTea
Digital Tea: the Web3 gossip running ahead of the market
#Nirav_Finance
#Binance
#w