XRP Price Path to $50? Bitcoin Investor Predicts ‘Controlled Launch’ if Ripple Becomes a U.S. Bank

The OCC Charter: A Regulatory Game-Changer

Ripple’s reported application for a national bank charter is a seismic shift in strategy.

• Regulatory Body: Office of the Comptroller of the Currency (OCC)
• Application Filed: July 2025
• Decision Window: ~120 days → Ruling expected by October 2025

This isn’t a fintech license.
It’s the same status held by America’s largest banks.

✅ If Approved, Ripple Would Gain:

• Direct access to the Federal Reserve
• Authority to custody digital assets
• Power to issue stablecoins (like RLUSD)
• Securities settlement rights
• Full integration into U.S. banking infrastructure

This would transform Ripple from a crypto startup into a regulated financial institution—with XRP as its native settlement rail.

Why This Could Push XRP to $50

Pumpius doesn’t believe in “to the moon” hype.
His $50 price target is based on real-world utility and scale.

🔹 The Math Behind $50:

• Daily Global Bank Settlements: $6.6 trillion
• Even 1–5% routed through Ripple = $66–330B in daily XRP volume
• At that scale, demand would dwarf current supply dynamics

At $50 per XRP, the total market cap would be ~$3 trillion (based on 60B circulating supply)—surpassing Bitcoin’s $2.1T cap.

“This isn’t speculation. It’s infrastructure.”

From SEC Lawsuit to Banking Approval: A Strategic Evolution

Many saw the SEC lawsuit as Ripple’s downfall.
Pumpius sees it as step one in a long-term regulatory strategy.

• The 2023 ruling clarified that XRP is not a security in secondary markets
• Ripple’s compliance focus strengthened its credibility
• RLUSD (Ripple’s U.S. dollar stablecoin) is now custodied by BNY Mellon

Now, the OCC application is the next logical move—to fully embed XRP into traditional finance.

As Pumpius notes:

“The SEC case wasn’t the end. It was the foundation.”

A “Controlled Launch,” Not a Moonshot

Unlike meme coins, XRP’s rise wouldn’t be chaotic.

Pumpius calls it a “controlled launch”:

• Steady adoption by banks and institutions
• Gradual increase in XRP settlement volume
• Price appreciation tied to real-world usage

This isn’t about retail FOMO.
It’s about systemic integration—where XRP becomes the neutral bridge between fiat currencies and digital assets.

And unlike Stellar (XLM) or SWIFT, Ripple already has proven ODL (On-Demand Liquidity) corridors with SBI Remit, Santander, and PNC Bank.

Final Takeaway: XRP’s $50 Target Is Bold—but Not Impossible

• ✅ OCC charter decision expected by October 2025
• ✅ Ripple already operates like a bank—now seeking formal status
• ✅ XRP as the settlement rail for trillions in daily transactions
• ✅ $50 = $3T market cap—plausible if institutional adoption accelerates

If Ripple becomes a national bank,

XRP won’t just be a crypto.
It’ll be a cornerstone of the U.S. financial system.

And in that world,
$50 isn’t a dream.
It’s an entry point.