Here’s How High XRP Price Could Go If Ripple Locks In a U.S. Banking License

XRP ecosystem is growing fast, even as the market stays cautious on price. This week, Ripple’s stablecoin RLUSD officially went live on Binance, adding more liquidity and real use to the XRP Ledger. 

Goldman Sachs also showed $152 million in exposure with a position tied to XRP ETF, indicating that investors are indeed looking at the asset. Conversely, XRP ETFs gathered zero inflows on February 11, indicating the market is not quite ready just yet.

That mix of progress and hesitation is exactly why one question keeps coming up: what happens if Ripple takes the next big step?

The Banking License Scenario Is Bigger Than Most People Think

A tweet from Stern Drew lit up the timeline with a bold idea: Ripple could be positioning itself as a future global settlement layer, especially if it secures a U.S. banking license.

The argument is simple. Global trade relationships are shifting, and countries are looking for faster, compliant ways to move liquidity across borders. 

Stern Drew points out that Russia has even discussed moving back toward the U.S. dollar in certain settlement frameworks, and Ripple has already been tested in pilots across multiple regions.

India has seen banks experiment with XRPL rails. China was involved in early Ripple testing years ago. Japan remains one of Ripple’s deepest strongholds, with partnerships across dozens of banks and plans to formally recognize XRP as a financial asset by late 2026.

Ripple also holds regulatory approvals across Europe, plus a payments license in Singapore. These aren’t small headlines – they show a company building global corridors step by step.

Why a U.S. Banking License Would Change Everything

The part that matters most is what happens if Ripple becomes a regulated U.S. banking gateway.

If Ripple secures that license, it doesn’t just become another blockchain company. It becomes a compliant bridge into the dollar system. That could position RLUSD as a stablecoin used for regulated settlement, with XRP Ledger acting as the rails underneath.

In that scenario, XRP becomes more than a speculative token. It becomes part of the plumbing for cross-border liquidity. That’s why this idea keeps gaining attention. It’s not about hype, it’s about infrastructure.

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So How High Could XRP Price Go?

XRP is trading around $1.35 right now. If Ripple were to lock in a U.S. banking license, the market would likely reprice XRP quickly, because it would confirm Ripple’s role inside regulated finance.

A first major upside target would be the previous cycle zone around $3, which is where the XRP price has historically attracted heavy interest.

Beyond that, a move into the $5–$7 range becomes realistic if institutional settlement adoption starts accelerating and XRP is viewed as a core liquidity asset again.

The real moon scenario comes if XRP begins capturing global payment volume at scale. In that case, double-digit prices are not impossible, but that would require years of execution, regulation alignment, and real transaction demand.

Even with all these developments, the market isn’t fully convinced yet. ETF inflows have paused, and broader crypto sentiment remains fragile. The XRP price tends to move hardest when regulatory clarity and adoption line up at the same time.

That’s why this moment feels like a waiting game. The foundation is being built, but the breakout catalyst hasn’t fully arrived.

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The post Here’s How High XRP Price Could Go If Ripple Locks In a U.S. Banking License appeared first on CaptainAltcoin.