Ripple’s march to full banking status is one of the biggest talking points among members of the XRP community, with some analysts and enthusiasts wondering if the regulatory milestone could serve as the factor that pushes XRP into a price territory it has never reached before. The company’s balance sheet, are growing institutional presence, and XRPL-native infrastructure developments combine to project bold predictions, including a target of $25 per coin.
Ripple’s bank approval is important
In December 2025 Ripple received conditional approval from the Office of the Comptroller of the Coin (OCC) for a national bank charter, a milestone no other crypto-native company had achieved. The charter is designed to erase clearing the way for Ripple National Trust Bank, which will hold and manage the reserves for Ripple’s RLUSD stablecoin.
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A viral claim XRP enthusiast account KingXRP’s social media platform That condemnation reflects the excitement surrounding the development, but leaves out important context.
The OCC conditionally approved Ripple’s application to establish the Ripple National Trust Bank. However, Ripple has also submitted an application a main Federal Reserve account, which allows the trust bank to connect directly to FedWire and FedNow systems and maintain dollar reserves with the central bank. That access, if granted, would place Ripple within the core infrastructure of the U.S. payments system.
What XRP Needs to Reach $25
Ripple’s last widely reported private valuation was around $40 billion after a $500 million strategic investment round. However, Ripple holds an estimated 42 billion XRP on its balance sheet. About 4.5 billion to 6.4 billion XRP is held directly in companies’ portfolios, while roughly 33 billion are locked up cryptographic blocked accounts. If Ripple owns 40 billion XRP and the price returns to trading at $3, those holdings would be worth about $120 billion on paper alone.
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A move to $25 would require XRP to become much more than an asset that responds to headlines and bank approval should feed a much broader adoption cycle. With a current circulating supply of approximately 61.9 billion XRP, a price of $25 would put the market value above $1.5 trillion. According to KingXRP, if XRP rises above $25, Ripple’s balance sheet alone could exceed $240 billion, potentially putting the company among the top 10 banks worldwide.
Speaking of bank approval contributing to a broader adoption cycle, infrastructure is being built on top of the XRP Ledger. One of the more concrete developments concerns RealFi Payment Solutions, which recently announced this has officially entered into a partnership Shopify will develop the first XRP Ledger-powered payment rewards application for global e-commerce.
Featured image created with Dall.E, chart from Tradingview.com