Pumpius, a long-time Bitcoin investor, has presented a detailed case for why XRP could rise to $50 in the near future. His analysis links the potential price increase not to speculative market activity but to a regulatory development that may position Ripple as a regulated banking entity in the United States. According to Pumpius, Ripple’s ongoing application for a national bank charter under the U.S. Office of the Comptroller of the Currency (OCC) could prove decisive for XRP’s future. Ripple submitted its request in July, and the OCC has a 120-day review process, suggesting that a decision could arrive as early as October. Major U.S. financial institutions, such as JPMorgan , Citi, and BNY Mellon, operate under this same regulatory framework. Approval would authorize Ripple to function as a federally chartered bank, providing services that extend beyond those of a typical fintech company. In Pumpius’s view, XRP would become the asset powering Ripple’s settlement system once the charter is granted. Implications of Approval If successful, Ripple would gain rights that include direct access to the Federal Reserve , authority to custody tokenized assets and cryptocurrencies, and the ability to issue stablecoins and facilitate securities settlement. Pumpius argues that these privileges would enable Ripple to eliminate reliance on intermediaries, enabling financial institutions to use Ripple’s systems directly. Within this framework, XRP would serve as the primary liquidity token connecting global institutions to tokenized finance. He points to daily bank settlements worldwide, which total roughly $6.6 trillion. He suggests that even a minimal percentage of this volume moving through Ripple’s network could lead to substantial demand for XRP. Based on this calculation, he concludes that a $50 valuation per XRP is achievable through scaled adoption rather than speculation. Currently trading near $2.72 , XRP would need to climb approximately 1,673% to meet this target. A $50 price point would also imply a market capitalization of about $3 trillion, exceeding Bitcoin’s present valuation of $2.1 trillion. Legal and Regulatory Milestones Ripple recently resolved its extended dispute with the U.S. Securities and Exchange Commission, a development that Pumpius describes as a step toward regulatory clarity. He maintains that the lawsuit was less of a barrier and more of a necessary alignment before Ripple could advance to the banking stage. According to him, the approval of an OCC charter would redefine XRP’s role from that of a digital asset to a regulated component of the U.S. financial framework. Opposition From Banking Groups Despite this outlook, Ripple’s pursuit of a national banking license has encountered strong resistance . Several financial industry organizations, including the American Bankers Association, have urged the OCC to delay approvals for charter applications from Ripple and other crypto-focused firms such as Circle . These groups argue that digital asset services do not align with fiduciary standards and that approving applications without broader public review undermines decades of regulatory precedent. They also warn that granting national charters could give crypto companies an advantage by allowing them to avoid state-level licensing requirements. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 Pumpius’s analysis connects XRP’s path to $50 with Ripple’s regulatory progress rather than speculative trading. While the potential approval of a national banking license could provide Ripple and XRP with significant new opportunities, resistance from established financial groups highlights the challenges that remain before such a transformation could take place. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on X , Facebook , Telegram , and Google News The post Bitcoin Investor Unveils Theory on How XRP Will See a Strategic Rise to $50 appeared first on Times Tabloid .
