As Ripple’s plan to become a fully regulated and operational national bank enters the final stages, the market is beginning to reassess the potential impact of this event on the XRP price. Recently, market analyst Chart Nerd revealed that Ripple’s application for a national bank license is nearing completion. The application process started as early as July 2025 and received conditional approval in December 2025.
According to publicly available regulatory documents, Ripple has chosen to apply for a federal-level national bank license rather than a state-level license. This means its future operations will be directly overseen by federal regulators, allowing for unified operations across the United States without having to navigate varying state compliance requirements. The proposed institution is named Ripple National Trust Bank, positioned as a trust bank, with core services focused on asset custody, trust services, and asset protection.
More importantly, the bank will be designated as a member institution of the Federal Reserve System. This status will enable Ripple to directly access the U.S. financial system and utilize Fed-related infrastructure, providing a higher level of regulatory endorsement for its service institutions and the management of the stablecoin RLUSD reserves.
On the market side, XRP has rebounded to around $2.38 amid a new wave of recovery. Most analysts believe that the official establishment of Ripple Bank will have a long-term impact on XRP, but price elasticity will depend on actual application expansion rather than short-term sentiment.
Based on this, Google AI has evaluated the potential impact of Ripple’s full operation as a national bank for one year. Its core view is that the national bank license itself constitutes strong regulatory recognition, which helps lower the compliance barriers for institutions using XRP. If Ripple can promote the practical use of XRP in cross-border settlements and liquidity management through the banking system, demand could continue to grow under a fixed supply scenario.
Assuming the adoption rate of the institution steadily increases, the model forecast provided by Google AI indicates that by early 2027, the reasonable price range for XRP could be between $10 and $15. Reaching $10 would give XRP a market cap close to $600 billion. However, the analysis also notes that higher valuations would require XRP to occupy a larger share of the global banking liquidity system, a process that may take more time.
Overall, the establishment of Ripple National Bank could push XRP from a “trading asset” toward a “financial infrastructure asset,” leading to a structural change in its price logic.
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