Ripple Changes Strategy: From Crypto Rebel to Banking Insider
Ripple is changing its image. Once known for fighting regulators, the company now wants to work with them — and even be part of the traditional banking system.
Ripple has officially applied for a national banking license from the Office of the Comptroller of the Currency (OCC). If approved, this would put Ripple under both federal and state regulation, including oversight from New York’s financial authority (NYDFS).
In addition, Ripple’s subsidiary, Standard Custody, has applied for a master account at the Federal Reserve. This would allow Ripple’s stablecoin, RLUSD, to deposit funds directly at the U.S. central bank. Together, these moves mark a major shift in strategy.
XRP Price Reacts — Could It Reach $3?
Following the announcement, XRP’s price rose 3.2%, reaching around $2.27. Analysts are watching for a “bullish reversal pattern” in the charts — if this continues, XRP could hit $2.65, or even reach $3.
Investors are also paying attention to news beyond the charts:
- XRP is now part of Grayscale’s new multi-asset ETF, giving it more exposure to traditional, regulated investors.
- According to Bitget analyst Ryan Lee, Ripple’s moves show the company wants to build trust and comply with U.S. regulations.
Still, XRP faces legal risks that could slow down its growth.
Stablecoin War: Ripple Launches RLUSD to Compete with USDC
At the center of Ripple’s new strategy is RLUSD, its own stablecoin. Ripple wants RLUSD to compete with popular stablecoins like Circle’s USDC. That’s why the company is pushing for:
- A banking license;
- A Fed account to protect user funds.
Ripple wants RLUSD to be the most regulated and trusted stablecoin on the market — especially now that the U.S. is introducing new laws to tighten stablecoin rules (like the recently passed GENIUS Act).
RLUSD could also help boost XRP’s role in global payments.
Key Points:
- XRP rose to $2.22 after Ripple’s announcement.
- Price target: $2.65 to $2.76 (if bullish trend continues).
- Support level: $2.14 — price might bounce there before moving up.
- ETF listing could increase XRP’s liquidity.
- A dedicated XRP-only ETF could give the token another big push.
Conclusion: Ripple Enters a New Phase
Ripple is no longer fighting the system — it’s joining it. With a new banking approach and a fully regulated stablecoin, Ripple aims to become a trusted player in the future of crypto finance. XRP is gaining attention again — and this time, it might have the regulators on its side.