The possible Ripple Banking Charter and its implications for the XRP price trajectory

The cryptocurrency market has long been configured by regulatory developments, and each milestone acts as a catalyst for assessment changes and the expansion of public services. The recent application of Ripple for an US. National Bank Letter, presented on July 2, 2025, under the name of “Ripple National Trust Bank”, represents one of the most significant regulatory tests for the company and its native token, XRP. If approved, this letter It would grant Ripple to the Federal Reserve Payment Infrastructure, allowing Stablecoin 24/7 operations and improving its institutional legitimacy. However, the path to approval is full of opposition from traditional banking groups and regulatory scrutiny, which raises critical questions about the future price trajectory of XRP.

Regulatory milestones as catalysts for XRP assessment

Historically, regulatory clarity has been a main driver of the XRP price action. The resolution of the demand of the sec. V [1]. Similarly, the approval of the ETF Proshares XRP in July 2025 led to an increase in the price of 7%, with XRP reaching $ 3.40 in the middle of $ 1.2 billion in ETF tickets [2]. These events underline how regulatory milestones can unlock institutional adoption, reduce legal uncertainty and create liquidity groups that boost valuation growth.

The application of the Ripple Banking Charter is based on this trend. A successful result would position the company to operate under a federal regulatory framework, potentially solving persistent concerns about its compliance history (for example, the fine of $ 125 million seconds and $ 700,000 in a fine of a fine) [3]. This could accelerate the integration of XRP into traditional finances, particularly through the Ripple’s liquidity solution (ODL), which uses XRP to facilitate cross -border payments for more than 300 financial institutions [4].

The Bank Charter: A double -edged sword

While the letter could improve Ripple’s credibility, it also faces important winds against. The Independent Community bankers of America (ICBA) and the National Community Reinvestment Coalition (NCRC) argue that granting a trust letter to Ripple would erode regulatory clarity and would allow him to offer similar services to deposits without the safeguards of traditional banks [5]. Critics also question whether the declared objective of Ripple of “redefining the way money moves in the digital economy” aligns with the limited powers of a National Trust of Trust [5].

The Office of the Comptroller of the Currency (Occ) is expected to rule at the end of October 2025, but the delays are possible. If approved, Ripple would get access to a fed master account, allowing you [6]. This could further solidify the role of XRP as a bridge currency, particularly in corridors where speed and efficiency are critical. On the contrary, a rejection would probably envive uncertainty, potentially stop the institutional adoption and approval of the XRP ETF.

XRP Price Trajectory: A Convergence of Factors

The interaction between Ripple regulatory milestones and XRP assessment is evident in the recent market behavior. For example, the XRP price increased to $ 2.93 in July 2025 after the launch of the ETF of Proshares and the announcement of an RLUSD association of $ 500 million with Bny Mellon [7]. These events demonstrated how institutional associations and regulatory progress can create a steering wheel effect, where the increase in utility and credibility boost demand.

Looking towards the future, the October 2025 decisions on the bank’s letter and the ETF XRP Applications could act as a binary catalyst. If both are approved, XRP could see an increase in institutional entries, reflecting the approval trajectory after the Bitcoin ETF, which saw its maximum price at $ 124,000 in August 2025 [8]. However, delays or rejections could lead to correction, as seen during the initial presentation of the demand of the SEC in 2020, when XRP lost 50% of its value [9].

Conclusion

The Bank Charter application of Ripple is a fundamental moment in the life cycle of the cryptomonia of the asset, with implications that extend beyond the price of XRP. Regulatory milestones have historically acted as ignition ramps for institutional capital, and October 2025 could determine if XRP passes from a speculative asset to a fundamental component of global payments. Although the opposition of traditional banking groups introduces risk, the broader trend of crypto-national companies that are integrated into traditional finances suggests that Ripple’s ambitions align with the evolving financial landscape. Investors must weigh the regulatory clarity potential against the uncertainties of a fragmented regulatory environment, recognizing that the XRP assessment will finally depend on its ability to offer usefulness in a compatible framework.

Fountain:
[1] SEC v. Ripple: key court decision and impact on cryptocurrency regulation [https://www.investopedia.com/sec-vs-ripple-6743752]
[2] The regulatory milestone of XRP and its implications for a place [https://www.ainvest.com/news/xrp-regulatory-milestone-implications-spot-etf-launch-era-institutional-crypto-adoption-2508/]
[3] Ripple in the bank license [https://gfmag.com/banking/ripple-in-banking-license-push/]
[4] XRP did not replace Swift, but this is what he did in his place [https://www.ccn.com/education/crypto/ripple-xrp-odl-tokenization-real-world-utility-explained/]
[5] ICBA opposes Ripple’s request for a National Trust Bank letter [https://www.icba.org/newsroom/news-and-articles/2025/08/06/icba-opposes-ripple-s-application-for-a-national-trust-bank-charter]
[6] Have an ETF licenses and XRP bank licensing [https://coincentral.com/ripple-faces-critical-october-xrp-etf-and-banking-license-decisions-loom/]
[7] Ripple (XRP) shoots in the launch of the ETF, regulatory milestones [https://blockchain.news/news/20250714-ripple-xrp-soars-on-etf-launch-regulatory-milestones-and-strategic-partnerships]
[8] Bitcoin Price History [https://www.investopedia.com/articles/forex/121815/bitcoins-price-history.asp]
[9] The SEC vs. demand Ripple: Everything you need to know [https://cointelegraph.com/learn/articles/the-sec-vs-ripple-lawsuit-everything-you-need-to-know]