Ripple's Potential U.S. National Bank License
According to crypto analyst Steph is Crypto, Ripple's U.S. national bank license is now “imminent,” a development he calls seriously bullish for the company and its native token XRP.
In July 2025, Ripple applied to the Office of the Comptroller of the Currency (OCC) for a national bank charter and a Federal Reserve master account. Approval would allow Ripple to operate as a federally regulated bank, offering services such as deposits, custody, and direct Fed settlements. This would also grant its stablecoin, RLUSD, regulatory parity with traditional bank money.
Securing a U.S. bank license would significantly elevate Ripple's standing in mainstream finance, providing unmatched credibility among cryptocurrency projects.
As a fully regulated institution, Ripple could transition XRP from a speculative token into a trusted ‘bridge asset.’ This would unlock new use cases in areas like cross-border payments, stablecoin issuance, and institutional liquidity, representing a pivotal step in merging blockchain technology with traditional banking systems.
Steph is Crypto emphasizes that Ripple’s anticipated U.S. bank license is more than just a regulatory milestone; it represents a potential breakthrough in financial infrastructure.
Integration into the regulated banking system is expected to boost confidence among U.S. and global institutions. This increased confidence could drive real-world demand for XRP, RLUSD, and Ripple's payment solutions, which would likely fuel significant price gains for the token.
XRP Price Action and Market Analysis
Market expert Vlad Anderson notes that XRP is currently retesting the critical $2 support level, with significant buyer interest emerging. While major cryptocurrencies like Bitcoin (BTC), Ethereum (ETH), and Solana (SOL) have shown muted price action, XRP has surged, experiencing a 77% jump in trading volume and holding steady above $2.08.
XRP is drawing heightened attention as it navigates a critical price juncture. With the $2.02 support level under close observation, a breach of this level could potentially push the cryptocurrency into a lower trading range of $1.85 to $1.90, which would likely fuel short-term volatility.
According to Anderson, XRP is currently at a significant crossroads. Strong buying interest combined with key technical setups suggests a “final squeeze” is underway. This tightening phase in the market often precedes sharp directional price movements. Such conditions typically attract speculative traders and whale activity, which can amplify market momentum and lead to more significant price swings.
XRP’s recent performance stands in sharp contrast to that of major cryptocurrencies like BTC, ETH, and SOL, which have struggled to gain upward momentum. The notable surge in XRP’s trading volume indicates that buyers are actively defending key support levels, signaling robust investor confidence and short-term stability.
Now positioned between crucial support and the potential for a breakout, XRP is on the verge of experiencing heightened volatility. The upcoming days are poised to be decisive in defining its next major price movement, whether that be a bullish surge or a temporary pullback. XRP is expected to remain a focal point in the cryptocurrency spotlight.
Concluding Thoughts on Ripple and XRP
Ripple's potential U.S. national bank license is more than just a regulatory approval; it has the potential to transform the company into a crucial bridge between traditional finance and blockchain technology. This significant milestone would enhance Ripple's credibility, foster greater institutional adoption, and position XRP as a critical asset for facilitating cross-border payments and contributing to global finance.
On the other hand, XRP's ability to maintain its hold above the $2 price level marks a pivotal moment for the cryptocurrency. With strong buying interest, a notable surge in trading volume, and the market entering what appears to be a “final squeeze,” increased volatility is anticipated.
The $2.02 level is of particular importance because a failure to hold this support could lead XRP towards the $1.85 to $1.90 range. Conversely, sustained holding of this level may trigger a significant bullish breakout. At this decisive crossroads, the market's activity over the next few days is likely to define XRP's next major trajectory within the cryptocurrency markets.