XRP Obtaining U.S. Banking License Predicted by Leading AI: Setting Up Instructions Revealed
In the bustling world of cryptocurrencies, Ripple's XRP is currently experiencing a surge in attention and growth. As of early July 2025, XRP is trading around $2.34, marking significant gains—up 5.2% in the past week and between 400% and 470% year-to-date[2].
A major catalyst for this optimism is Ripple's ongoing pursuit of a U.S. national banking license. Reports suggest that Ripple has submitted an application for a federal bank charter, and this move has already injected fresh momentum into XRP, with the price breaking above $2.28 and trading volumes surging[4]. Analysts view this as a positive sign for the company's long-term prospects, as securing a banking license would enable Ripple to offer financial services directly, further legitimize its assets, and provide clearer regulatory ground for institutional adoption[1][4].
The regulatory front appears to be shifting in Ripple's favour, with the company seemingly nearing a resolution with the U.S. Securities and Exchange Commission (SEC). Ripple has dropped its cross-appeal in the ongoing lawsuit, a move interpreted by the market as a potential sign that a settlement or clarity is close, further bolstering confidence in XRP's outlook[2].
Moreover, speculation about the possibility of an XRP spot exchange-traded fund (ETF) continues to generate interest, with analysts suggesting that regulatory approval for such products could attract significant institutional investment[2].
Another significant development is the tokenization initiative by Mercado Bitcoin, a real-world asset project that is moving real volume through a permissionless system[3]. This initiative serves as evidence of XRP's usefulness and is a notable development for the XRP ecosystem. AIXBT, an AI agent, has predicted that these regulatory moves could allow XRP to operate on the same legal footing as traditional banks[1].
Furthermore, the growth of Ripple's RLUSD stablecoin, currently close to $500 million in equivalent, is linked to Ripple's efforts to secure real banking licenses in the United States[3]. AIXBT has pointed out this connection, suggesting that Ripple's ecosystem is ready to skip the step of chasing money transmitter permits[3].
The tokenization initiative by Mercado Bitcoin is getting a boost from a growing regulatory structure surrounding XRP[3]. However, it's important to note that U.Today provides financial and market information for informational purposes only and is not liable for any financial losses incurred while trading cryptocurrencies[1].
In summary, XRP is currently at a crossroads marked by price consolidation, a strong technical setup, and heightened optimism around Ripple's banking license application and regulatory clarity. If Ripple successfully obtains a federal bank charter and regulatory issues are resolved, it could unlock substantial upside for both the company and its native token[1][4]. AIXBT's predictions about XRP are not related to hype cycles but to the banking sector of the United States[1]. The opinions expressed by AIXBT are not representative of U.Today's views.
[1] U.Today (2025). Ripple's XRP: A New Dawn in Cryptocurrency. [online] Available at: https://u.today/ripple-xrp-a-new-dawn-in-cryptocurrency
[2] CoinDesk (2025). Ripple's XRP Price Surges as Company Nears SEC Settlement. [online] Available at: https://www.coindesk.com/ripple-xrp-price-surges-as-company-nears-sec-settlement
[3] Cointelegraph (2025). Mercado Bitcoin Launches $200 Million Tokenization Initiative on XRP Ledger. [online] Available at: https://cointelegraph.com/news/mercado-bitcoin-launches-200-million-tokenization-initiative-on-xrp-ledger
[4] Forbes (2025). Ripple's XRP Breaks Above $2.28 as Company Pursues U.S. Banking License. [online] Available at: https://www.forbes.com/sites/billybambrough/2025/07/01/ripple-xrp-breaks-above-228-as-company-pursues-u-s-banking-license/?sh=3b7f10e74644
- The ongoing pursuit of a U.S. national banking license by Ripple may foster a stablecoin trading environment, providing a clearer regulatory ground for institutional adopters.
- The advancement in XRP trading, fueled by Ripple's federal bank charter application and possible SEC settlement, has caught the eye of crypto traders and investors alike.
- The speculations surrounding the approval of XRP spot exchange-traded funds (ETFs) suggest significant institutional investment could be on the horizon, bolstering the XRP ecosystem.
- The regulatory-backed tokenization initiative by Mercado Bitcoin, powered by XRP, is amplifying the utility and potential of Ripple's native token within the decentralized finance (DeFi) space.
- the growth of Ripple's RLUSD stablecoin, nearing half a billion dollars in equivalent, is not only a reflection of the company's efforts to secure real banking licenses, but also a harbinger of its potential to rival traditional banking in the digital finance sector.
