NaijNaira
Pumpius, an early Bitcoin investor, believes XRP could reach $50 if Ripple secures a U.S. banking charter—www.naijnaira.com reports.
The analysis was first detailed by Naijnaira, where Pumpius tied XRP’s potential growth not to hype but to regulatory approval that could redefine Ripple’s place in the financial sector.
Ripple filed its request for a national bank charter with the U.S. Office of the Comptroller of the Currency in July, triggering a 120-day review period.
If granted, Ripple would gain access to Federal Reserve services, rights to custody digital and tokenized assets, authority to issue stablecoins, and clearance to settle securities.
“This would allow Ripple to remove intermediaries and let banks connect directly through its system, with XRP powering liquidity,” Pumpius explained.
He calculated that daily bank settlements across the globe amount to about $6.6 trillion, noting that even a fraction of that volume flowing through Ripple could fuel enormous demand.
At its current price near $2.72, XRP would need to surge by more than 1,600% to meet the $50 projection, which would place its market cap near $3 trillion.
Ripple’s recent settlement with the U.S. Securities and Exchange Commission was described by Pumpius as “a necessary alignment” before moving into the regulated banking stage.
Opposition remains, as banking groups like the American Bankers Association argue that granting national charters to crypto firms undermines regulatory safeguards.
Despite pushback, Pumpius maintains that regulatory approval is the turning point that could redefine XRP from a speculative asset into a backbone of U.S. finance.
