Ripple’s application for a U.S. national banking license—placing its RLUSD stablecoin and XRP services under OCC supervision—marks a strategic push to enhance regulatory compliance and institutional trust.

On the same day, the SEC’s approval of Grayscale’s multi-asset ETF, which includes XRP, further legitimizes the asset by offering regulated exposure to a broader class of investors.

These parallel developments signal XRP’s deepening integration with traditional finance.

A banking license would not only elevate RLUSD as a credible stablecoin but also indirectly reinforce XRP’s utility in cross-border settlements.

Meanwhile, ETF inclusion boosts XRP’s accessibility and potential liquidity, paving the way for increased institutional engagement.

Still, regulatory uncertainty could temper near-term adoption momentum. Delays in approvals or legal ambiguity around XRP’s classification may pose hurdles.

In 2025, XRP is projected to trade between $2.10 and $2.35, assuming steady institutional traction and regulatory clarity.

Solana, buoyed by its expanding DeFi and NFT infrastructure and potential for staking ETF inclusion, could reach $400–$500 under bullish conditions, though broader market risks may cap gains closer to $300–$350.

As always, investors should exercise caution and diligence amid persistent crypto volatility.

Ryan Lee, Chief Analyst at Bitget Research

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