XRP News Today: Ripple Seeks OCC Bank Charter Analyst Flags $50 XRP Trigger

Ripple’s XRP is drawing attention as a key player in the evolving regulatory landscape of digital assets, according to Pumpius, a long-time crypto participant with over a decade of experience in the space. In a recent X thread, Pumpius outlined what he refers to as the “$50 XRP trigger,” a potential tipping point driven by Ripple’s application for a national trust bank charter under the U.S. Office of the Comptroller of the Currency (OCC). If granted, this charter would represent a major shift in how financial institutions interact with XRP [1].

Pumpius stressed that the application is not merely a procedural move, but a strategic step toward integrating XRP into the core of the U.S. financial system. He noted that the same banking license sought by Ripple is held by major institutions such as JPMorgan and BNY Mellon. If approved, Ripple would gain direct access to the Federal Reserve and the authority to custody digital assets, issue stablecoins, and settle securities transactions. This, according to Pumpius, would bypass traditional intermediaries and enable banks and brokers to leverage XRP as a direct on-ramp into tokenized finance, removing layers of friction from current financial systems [1].

From a liquidity perspective, Pumpius highlighted that global bank settlements reach $6.6 trillion daily. If even a small portion of this volume were to be routed through XRP, the asset’s price could be significantly influenced by increased demand. He argued that “XRP at $50 isn’t hype, it’s basic liquidity math,” suggesting that the $50 price level is a logical outcome based on XRP’s potential role in a regulated financial infrastructure [1].

The analyst also pointed to the timing of Ripple’s regulatory strategy, suggesting that the ongoing SEC lawsuit has served as a smokescreen to filter out opposition and delay scrutiny, ultimately paving the way for OCC approval. Unlike the broader market’s focus on memecoins and ETFs, Pumpius positioned Ripple as a company working directly with regulators to build institutional-grade financial infrastructure. He argued that the resolution of the SEC case could act as a turning point, reinforcing Ripple’s regulatory alignment and strengthening its long-term strategic position [1].

Pumpius concluded that once the OCC grants approval, XRP would no longer be viewed solely as a cryptocurrency but as a foundational component of the U.S. financial system. He warned that once this shift occurs, “$50 XRP will look cheap,” indicating that the market may be underestimating the asset’s potential trajectory [1].

Source: [1] TimesTabloid (https://timestabloid.com/the-50-xrp-trigger-expert-says-most-dont-realize-how-close-we-are/)