Expert Opinion: If Ripple obtains a banking license and a Federal Reserve (FED) master account, XRP could reach 50 dollars.

Renowned software engineer and long-time XRP advocate Vincent Van Code expressed his views on the far-reaching impact of Ripple's application for a U.S. banking license and The Federal Reserve master account , sparking a new round of discussions within the entire Crypto Assets community. Ripple confirmed these two developments on July 2, which could place the company at the core of crypto assets innovation and TradFi infrastructure.

The far-reaching significance of building the world's first "crypto bank"

Van Kode believes that the impact of obtaining these regulatory approvals will far exceed Ripple's current business scope. He stated on the social media platform X: "Ripple announces its intention to seek a banking license and a primary account with The Federal Reserve (FED), which means they will become the world's first true crypto bank." He elaborated that this move will enable Ripple to directly hold Federal Reserve reserves (bypassing commercial banks) and operate as a full-service financial institution providing dual-track services for fiat and Crypto Assets.

encryption banking services and paradigm shift

This includes providing FDIC-insured deposit accounts — potentially covering specific Crypto Assets, with a maximum coverage amount of $250,000 — as well as accepting crypto-collateralized lending using coins like XRP. "This will be extraordinary. And XRP is the core link to all of this," wrote Van Kode. He referred to the potential integration of insured crypto banking services with core cross-border remittances as a paradigm shift, asserting that: "2025 to 2026 will be remembered in history as the era when the 100-year banking cartel began to crumble."

integrate into the global financial payment network

Gaining access to The Federal Reserve (FED) master account will enable Ripple to directly tap into the FED payment rails, including the Fedwire and FedNow systems, allowing it to fully integrate as a settlement counterparty into the U.S. financial system. Combined with its positioning through stablecoin RLUSD and the RippleNet global remittance network, this regulatory leap could deeply embed Ripple in domestic and international payment flows.

What impact does ### have on the price of XRP? Bold predictions spark heated discussions.

In a subsequent post, Van Kord did something he claims to do very rarely: he provided a specific XRP price prediction. "I usually don't make price predictions, but I'm often asked, so here it is," he wrote, "My view is a range of $30-50. This is certainly not shilling, nor do I expect anyone to agree. I'm not a prophet or a time traveler. But my investment in XRP is precisely based on this perspective." Although no specific timeline was given, he emphasized that this target is not set arbitrarily, but is based on a series of ongoing macro and market catalysts.

key catalysts for support prediction

The catalysts listed by Van Koder include: the potential approval of the XRP spot ETF and the expected inflow of institutional funds of $20-50 billion. He also mentioned the approval of the Federal Reserve main account, along with RippleNet capturing 20-30% of the $1 trillion cross-border payment market, and XRP as a central bank digital currency (CBDC) bridge asset in over 50 countries/regions for global adoption.

Van Kode further pointed out the growth of the Ripple stablecoin RLUSD use case and believes that the demand for the The Federal Reserve (FED) backed digital dollar will strengthen XRP's utility as a bridge currency. He even suggested that XRP could be used for Saudi oil settlements, citing Ripple's collaboration with the Saudi Central Bank in 2024 as a foundation for this evolution.

His views resonated strongly within the XRP community. He said: "People are expressing opinions on the XRP price... There are many interesting viewpoints. But the general consensus is that everyone expects the price to at least increase by 5 times. This is a very good sign."

XRP rising to $30-50 means its market capitalization will reach a trillion-dollar level, which will undoubtedly be dismissed as unrealistic by skeptics. However, for XRP holders, especially those who see Ripple's regulatory path as a backdoor to institutional legitimacy, the convergence of The Federal Reserve (FED) master account, banking licenses, ETF inflows, and global adoption is not mere talk, but a clear roadmap.

(Source: NewsBTC)