Ripple Pursues National Bank Charter, Potential XRP Valuation Up to $15
Written by Ohris M. Greyoon, Blockchain & Crypto Expert
Source: Coinmarketcap
Updated: Jan 08 2026- Regulatory Progress: Ripple's application for a national bank charter, initiated in mid-2025, has received conditional regulatory approval, indicating that the framework is largely in place, which could significantly enhance market confidence in XRP.
- Bank Structure: By opting for a national bank charter instead of state licenses, Ripple aims for unified federal oversight, streamlining compliance and enhancing service capabilities for institutional clients, aligning with its strategic focus on digital asset infrastructure.
- Market Impact: Analysts project that if Ripple successfully operates as a national bank, demand for XRP could shift from speculative to practical use, potentially reaching a valuation of $10 to $15 by early 2027, with a market cap nearing $600 billion.
- Long-Term Outlook: While regulatory approval alone does not guarantee dramatic price increases, Ripple's banking status may lay the groundwork for expanded real-world use of XRP, thereby influencing its long-term valuation.
About the author
Ohris M. Greyoon
Ohris M. Greyoon holds a Master’s in Computer Science from MIT and has 10 years of experience in blockchain technology and cryptocurrency markets. A pioneer in decentralized finance (DeFi) analysis, he leads Intellectia’s Crypto News, offering cutting-edge insights into digital assets.
