XRP News Today: Ripple's Bank Charter Bid Lifts XRP 2% as Fed Access and $4 Potential Stoke Optimism

Ripple has taken a significant step toward reshaping its role in the financial sector by submitting an application for a national trust bank charter to the U.S. Office of the Comptroller of the Currency (OCC). This move, which positions the company to operate under federal oversight, could grant its subsidiary, Standard Custody & Trust, direct access to a Federal Reserve master account, enabling real-time participation in Fed payment systems and continuous issuance of its stablecoin RLUSD [1]. The announcement coincides with a modest but notable upward trend in XRP’s price, which recently traded at $3.22, up nearly 2% for the day [1]. Analysts and traders have interpreted the development as a potential catalyst for broader market confidence in XRP, though its impact on the token’s trajectory to $4 remains speculative.

XRP’s price action has shown signs of a V-shaped recovery after a sharp decline to $3.05 in late July 2025, reclaiming key Fibonacci retracement levels and consolidating near $3.18 [1]. Technical indicators suggest cautious optimism: the 14-period RSI at 56.42 is rising but remains below overbought territory, while volume and ascending trendlines indicate growing buyer participation [1]. Traders are closely monitoring whether XRP can break through the $3.28 resistance zone—a level tied to the 0.5 Fibonacci retracement of its recent $3.71 high to $2.97 low. A sustained move above this threshold could target $3.42 and potentially retest the $3.70 level [1].

The regulatory narrative introduced by Ripple’s charter filing has added a new dimension to XRP’s market dynamics. If approved, the bank charter would allow Ripple to offer stablecoin services with direct access to Fed infrastructure, a move that has sparked widespread discussion on social media and among institutional players [1]. Veteran trader Matthew Dixon highlighted that such access could enable 24/7 RLUSD operations and seamless integration with core financial systems, potentially broadening Ripple’s utility in cross-border transactions [1]. However, the application’s success hinges on regulatory scrutiny and public perception of stablecoin risks—a factor that remains unresolved.

While the market speculates about XRP’s potential to reach $4, analysts caution that short-term volatility and long-term forecasts depend on broader crypto adoption and macroeconomic conditions. For instance, projections of XRP hitting $30 or exceeding $10 by 2026 are tied to hypothetical scenarios where Bitcoin surges to $250,000 [5]. Such forecasts are not universally accepted and underscore the speculative nature of price predictions. Meanwhile, XRP’s immediate challenges include maintaining momentum above $3.20 and navigating resistance levels that have historically acted as barriers to further gains [5].

The outcome of Ripple’s OCC application will likely influence investor sentiment and XRP’s price trajectory in the coming months. Until regulatory clarity is achieved, the token’s performance will remain subject to market sentiment, ETF-driven demand, and macroeconomic shifts. Investors are advised to monitor both technical indicators and Ripple’s regulatory progress to gauge the likelihood of a sustained upward movement.

Sources:

[1] [Ripple Just Made Its Boldest Move Yet – Will This Send XRP Price to $4?](https://coinmarketcap.com/community/articles/688600cdcacf2b5767640012/)

[5] [XRP's Path to $30: The Ultimate Profit-Taking Roadmap](https://www.btcc.com/en-IN/square/Thecryptobasic/695575)