4th July 2025 – (New York) XRP enthusiasts are abuzz with speculation as a prominent crypto pundit forecasts a potential surge for XRP, envisioning a price target of $50 in the near future. Vincent Van Code, a seasoned software engineer and fervent advocate of XRP, has stirred up discussions within the crypto community with his bold predictions.

Van Code’s projections are rooted in Ripple’s recent announcements regarding its pursuit of a US banking charter and a Federal Reserve master account. These regulatory milestones, if achieved, could catapult Ripple into uncharted territory, positioning the company at the forefront of both crypto innovation and traditional financial infrastructure.

The implications of Ripple’s strategic moves extend far beyond their current operations, potentially paving the way for the emergence of the first-ever crypto bank. With the ability to secure a banking charter and a Fed master account, Ripple could revolutionise the financial landscape by offering a comprehensive suite of financial services encompassing both fiat and crypto products.

The prospect of Ripple holding reserves directly with the Federal Reserve, bypassing commercial banks, and offering FDIC-insured deposit accounts, including for select crypto assets, has sparked excitement within the crypto sphere. Van Code envisions a future where XRP plays a pivotal role in the convergence of insured crypto banking and core cross-border remittances, heralding a paradigm shift in the financial industry.

As XRP enthusiasts await the potential realisation of Van Code’s forecast, the confluence of regulatory advancements, institutional capital inflows, and global adoption of XRP as a bridge asset for central bank digital currency corridors could propel XRP to new heights. The integration of Ripple’s stablecoin RLUSD, coupled with the company’s foray into stablecoins and remittance infrastructure, positions XRP as a key player in both domestic and international payment ecosystems.

While sceptics may question the feasibility of XRP reaching $50 and attaining a market cap in the trillions, XRP holders remain optimistic, viewing Ripple’s regulatory strides as a pathway to institutional validation and market ascendance. The convergence of a Fed master account, bank charter, ETF inflows, and widespread adoption could mark a turning point for XRP, solidifying its position as a leading digital asset.

Ripple’s strategic manoeuvres, including the application for a national trust bank charter and the exploration of a Fed master account, underscore the company’s commitment to regulatory compliance and operational transparency. As Ripple navigates the regulatory landscape and charts its course towards greater institutional legitimacy, the crypto community eagerly anticipates the potential impact on XRP’s price trajectory and market outlook.