Ripple’s Big Move in Banking: What XRP’s $2.65 Target Means for Investors

Ripple is back in the spotlight as it seeks a national banking license in the United States. This shift has the potential to fundamentally transform the cryptocurrency industry, propelling Ripple’s native token, XRP, closer to the long-awaited $2.65 mark.

Ripple’s Plans for Banking: More Than Just Hype

Ripple has filed papers to become a nationally recognized bank in the United States, according to recent reports. This is a significant milestone for the company and a clear signal to authorities and institutional investors that Ripple is becoming a serious financial player.   If approved, Ripple would be able to go directly to the Federal Reserve, bypassing middlemen.  Using XRP would make international settlements faster and more cost-effective.

What Does This Mean for XRP Prices?

XRP has already shown signs of positive momentum, with trading volumes increasing and investor confidence rising. Analysts believe that Ripple’s better standing and clearer restrictions will easily propel XRP beyond $2.00. The $2.65 pricing estimate is becoming increasingly probable, particularly if Ripple obtains the license and expands its commercial ties.   

Ripple’s action has the potential to spur a surge in institutional demand. Ripple’s direct banking capabilities allow it to provide regulatory-compliant blockchain solutions to large banks. This strengthens the legitimacy of cryptocurrency’s role in conventional finance.   Even those who watch the sector closely, such as pro-crypto lawyer John Deaton, have spoken about it and demonstrating how significant this is.

Also read: Crypto Week 2025: What Could Happen to Bitcoin, Ethereum, and Solana?