Ripple's advanced national bank charter application with Federal Reserve membership could drive XRP to $10-$15 by January 2027 as institutional adoption accelerates.
XRP sits at $2.38 while Ripple edges closer to operating as a federally regulated national trust bank. Recent regulatory filings reveal the crypto company's national bank charter application has reached an advanced stage, triggering fresh speculation about institutional adoption and dramatic price movements.
According to Chart Nerd on X, Ripple's journey toward full banking status began in July 2025 and received conditional approval in December 2025. The analyst emphasized that opposition forces no longer have the power to derail the process.
Ripple's plan to become a fully regulated national bank has reached an advanced stage, leading to discussions about how it could impact the XRP price. Recently, market analyst Chart Nerd highlighted regulatory documents on Ripple's national bank charter application.
The paperwork shows Ripple selected a national bank charter instead of state-level licensing, placing the company under federal oversight and enabling operations under unified rules across all U.S. states.
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Federal Reserve Integration Sets Stage for Institutional Access
The proposed entity appears in documents as Ripple National Trust Bank with a trust designation focused on custody, asset protection, and fiduciary services. The filing lists the bank as a Federal Reserve member institution, granting direct access to Fed services and the U.S. financial system.
According to The Crypto Basic on X, the proposed address sits at 111-119 West 19th Street, Floor 6, New York.
The filing also lists the bank as a Federal Reserve member institution. For the uninitiated, this status would allow Ripple's bank to access Federal Reserve services and connect directly to the U.S. financial system.
With conditional approval secured, analysts turned to AI models to assess potential price outcomes. Google Gemini's analysis suggests the bank will primarily manage reserves for Ripple's RLUSD stablecoin while providing custody services for institutional clients.
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Utility-Driven Models Project $10-$15 XRP Price Range
The AI model stressed that markets view national bank charters as strong regulatory endorsements. The positive case for XRP depends on genuine utility rather than speculation. A federally regulated Ripple bank could simplify XRP adoption for financial institutions seeking liquidity solutions.
According to The Crypto Basic on X, Gemini presented a scenario one year after full operational status. Increased institutional use combined with steady demand against fixed supply could drive prices higher.
Considering this, Gemini presented a hypothetical scenario one year after the bank becomes fully operational. In this case, increased institutional use and steady demand against a fixed supply could lead to higher prices.
The utility-driven model suggests a possible XRP price range of $10 to $15 by January 2027. Reaching $10 would represent approximately a fourfold increase from current levels and place XRP's market value near $600 billion.
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Gemini noted that substantially higher price targets would require XRP to replace a large portion of global banking liquidity, a transformation that would likely take considerably longer to materialize. The $10-$15 projection remains anchored in institutional settlement demand rather than speculative mania.
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The combination of federal regulatory approval, Federal Reserve membership, and institutional custody capabilities positions Ripple to bridge traditional finance and digital assets. XRP holders now watch whether operational reality matches the ambitious utility projections driving current price forecasts.
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Ripple Bank Charter Sparks $10-$15 XRP Explosion
Ripple's national bank charter nears completion with Federal Reserve access. Google Gemini AI projects XRP could reach $10-$15 by 2027 through utility.