Vincent Van Code, a software engineer and long-time XRP advocate, ignited fresh debate across the crypto community by outlining what he believes to be the transformative implications of Ripple\u2019s bid for a US banking charter and a Federal Reserve master account. The developments, which Ripple confirmed 2 July, would position the company at the epicenter of both crypto innovation and traditional financial infrastructure.<\/p>\n
According to Van Code, the impact of such regulatory approvals would go far beyond Ripple\u2019s current operations. \u201cWith Ripple announcing they are seeking a banking charter as well as a Fed master account, this means they will be the very first crypto bank,\u201d he posted<\/a> via X. He detailed that the move could allow Ripple to hold reserves directly with the Federal Reserve, bypassing commercial banks, and operate as a full-service financial institution offering both fiat and crypto products.<\/p>\n This would include the ability to provide FDIC-insured deposit accounts\u2014potentially even for certain crypto assets\u2014up to the $250,000 limit, and lend against crypto collateral such as XRP. \u201cThat\u2019s going to be nuts. And XRP is flying it all together,\u201d he wrote, calling the possible integration of insured crypto banking and core cross-border remittances a paradigm shift. \u201c2025 to 2026 will be marked in history as the era which the 100 year banking cartel began to crumble.\u201d<\/p>\n A master account would allow Ripple to interact directly with the Fed\u2019s payment rails, including Fedwire and FedNow, giving it full access to the US financial system as a settlement counterparty. Combined with its push into stablecoins through RLUSD<\/a> and its remittance infrastructure RippleNet, such a regulatory leap could fully embed Ripple into both domestic and international payment flows.<\/p>\n In a follow-up post, Van Code did something he says he rarely does: offer a specific XRP price prediction. \u201cI usually don\u2019t predict XRP price but often get asked, so here it is FINALLY,\u201d he wrote<\/a>. \u201cMy opinion is $30\u2013$50. And this is no shill, I don\u2019t expect anyone to agree with me. I am not prophet or time traveller. But my investment in XRP is based on this opinion.\u201d While he didn\u2019t commit to a timeframe, he emphasized that such targets are not arbitrary, but grounded in a set of unfolding macro and market catalysts.<\/p>\n Among those catalysts, Van Code cited potential XRP spot ETF approval<\/a> and an estimated $20\u2013$50 billion in institutional capital inflows. He also pointed to a potential master account approval coupled with RippleNet capturing 20\u201330% of the $1 trillion cross-border payments market, and global adoption of XRP as a bridge asset for central bank digital currency (CBDC) corridors in over 50 countries.<\/p>\nImpact On XRP Price<\/h2>\n