XRP Poised for BIS Tier-1 Asset Recognition, Price Could Reach $22
Written by Ohris M. Greyoon, Blockchain & Crypto Expert
Source: Coinmarketcap
Updated: Jan 08 2026- Market Speculation: Speculation within the digital asset community regarding XRP's potential recognition as a Tier-1 asset by the Bank for International Settlements (BIS) has intensified, although this outcome remains hypothetical, prompting renewed discussions about the regulatory future of cryptocurrencies.
- Regulatory Framework: Under the BIS's Basel framework, Tier-1 assets represent the strongest components of a bank's capital structure, requiring banks to maintain at least 4.5% Common Equity Tier-1 capital to ensure systemic stability.
- Future Potential of XRP: Should XRP be reclassified as a Tier-1 asset, Google Gemini AI estimates its price could range between $15 and $22, driven by increased institutional demand and broader integration into financial infrastructure.
- Regulatory Challenges: Despite supporters exploring the potential for XRP's regulatory upgrade, current BIS regulations do not permit unbacked cryptocurrencies to be classified as Tier-1 assets, and any changes would necessitate a fundamental reassessment by international regulators regarding digital assets.
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.
