Will Ripple become a national bank?


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David nodded

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David noddedVerified

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June 2023

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David is a financial journalist and Cryptonews.com contributor with a keen interest in comprehensive, accurate and reliable blockchain news.


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September 2018

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XRP is trading near $1.36 with a modest 24-hour gain of +2.6% in price, but the real story is regulatory, and could completely reshape Ripple’s long-term value predictions. The Office of the Comptroller of the Currency’s historic final rule goes into effect on April 1, and Ripple is squarely in its crosshairs.

The OCC final rule revises licensing regulations to allow national trust banks to conduct non-fiduciary activities alongside fiduciary activities, a structural change that opens the US banking system to native cryptocurrency operators at the federal level.

Ripple’s conditional approval as a National Trust Bank has been granted alongside approvals for BitGo, Fidelity and Paxos, suggesting that this is not a one-time concession but a systemic policy shift. The full charter is still pending, but conditional approval already allows Ripple to hold customer assets under federal supervision as a direct payment for institutional trust in both XRP and the RLUSD stablecoin.

This development goes down as well US regulators are pushing cryptocurrencies deeper into traditional financial infrastructuremaking the timing anything but coincidence. But price tells a more complex story.

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XRP Price Prediction: Will Ripple Recover $2.00 Amid Regulatory Winds?

XRP The 24-hour trading volume rose to $2.1 billion, even if the condemnation was mixed, it was still a notable increase in volume. Support is still gathering at $1.30-$1.35, a range that held during the recent consolidation. Resistance starts at $2.20 and extends towards $3.30, which is the upper limit of the 24-hour highs recorded on Binance.

XRP remains 63% below its 2025 all-time high of $3.65, with Standard Chartered revising its 2026 XRP forecast under to $2.80 from the previous target of $8.00, due to deteriorating market conditions.

XRP price posts a modest 24-hour gain of 2.6%, but the real story is regulatory, and could reshape Ripple's long-term outlook.
ripple american dollar, TradingView

However, the OCC rule on April 1 could trigger institutional inflows with XRP reclaiming $2.20 resistance within 30 days as clarity of custody drives TradFi adoption. But most likely, the XRP price will consolidate in the $1.35-$1.80 range until Q2 2026, and the bank’s full credit charter will be the next catalyst.

OCC news is structurally bullish for XRP in the long term. However, near-term price action appears hostage to broader market sentiment until the full compact arrives.

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Bitcoin Hyper Eyes Infrastructure Upside as XRP Tests Crucial Support

The regulatory breach for XRP is a real thing, but at a market cap of $83 billion, the maximum percentage returns require a certain kind of optimism. Traders looking for asymmetric upside in the current cycle are increasingly turning to early-stage infrastructure plays where the valuation gap is wider, and the stimulating schedule is front-loaded.

Bitcoin Hyper ($HYPER) It is one of the projects that is attracting this attention. It positions itself as the first-ever Bitcoin Layer 2 with Solana Virtual Machine (SVM) integration, bringing sub-second smart contract execution to the Bitcoin ecosystem without compromising the underlying security model. Bitcoin Trust and Solana Speed.

It sparked a pre-sale 32 million dollars At a current nominal price of $0.0136with 36% APY Rewards Available to early bird participants. Features include Canonical’s decentralized bridge for BTC transfers, ultra-low latency Layer 2 processing, and high-speed, low-cost transaction execution that beats Solana itself in throughput metrics.

Look for Bitcoin Hyper before the pre-sale closes.

This article is for informational purposes only and does not constitute financial advice. Cryptoassets are highly volatile. Always do your own research before investing.




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