Pundit Says $100 is True Price Potential of XRP if Ripple Gets Banking License and Corporate Adopts XRP

An XRP community pundit has explained how XRP could claim a three-digit price through the Ripple banking license and corporate adoption.

Currently, XRP trades at around $2.87, but several investors believe it has room to grow if adoption gains momentum. Most recently, Pumpius, an XRP community commentator, shared how adoption could push XRP to higher levels.

Specifically, he presented two scenarios that could push XRP to as high as $100. His outlook triggered interest, especially when compared with what official data reveals about Ripple’s banking license application and the prospects of corporate adoption of XRP.

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Pumpius described XRP as more than a digital coin. According to him, it acts as a liquidity engine for moving value across borders and markets.

To him, the price of XRP will rise only if real liquidity flows through it, not from market hype. He then pointed to two possible developments: Ripple winning a U.S. national trust banking license and multinational corporations using XRPL for treasury and supply chain operations.

Ripple Banking License Could Take XRP to $50

In the first situation, he highlighted Ripple’s application with the Office of the Comptroller of the Currency. If Ripple gains approval, the firm would operate under federal oversight and handle custody services, stablecoins, and tokenized assets. 

Interestingly, Pumpius estimated that this setup could process at least $500 billion in yearly settlement flows, which in his view could push XRP toward $50.

For context, Ripple submitted the application in July 2025 to create Ripple National Trust Bank, which would operate under federal rules alongside its existing New York state license. Regulators could issue a decision in October. 

If Ripple succeeds, it would join a small circle of crypto firms allowed to run federally chartered trust banks, a move that could build more confidence among institutions. 

However, opposition groups such as the Independent Community Bankers of America argue the model could sidestep consumer protections. Ripple also applied for a Federal Reserve master account so it could hold reserves for its RLUSD stablecoin directly with the Fed. 

Ripple already prepared for this move through earlier steps. For instance, it bought Standard Custody & Trust, partnered with BNY Mellon to safeguard RLUSD reserves, and expanded into tokenized real-world assets. 

RLUSD itself launched in late 2024 and now holds over $732 million in market value. These moves strengthen Ripple’s bid to enter the traditional finance scene and suggest that a federal trust license would add massive momentum, even though the application doesn’t explicitly mention XRP.

Corporate Adoption Could Push XRP to $100

The second situation presented by Pumpius bordered on corporate adoption. He noted that companies like Apple, Amazon, Microsoft, and Tesla could move their treasuries and supplier payments onto XRPL. 

According to Pumpius, if these corporations shifted even part of their operations to the network, annual flows could reach $5 trillion. In that case, XRP’s role as a neutral bridge for currency-agnostic transactions could send its price to $100.

However, no major multinational has announced plans to adopt XRPL for treasury management. Despite this, Ripple already works with more than 300 financial institutions, and several use XRP for cross-border settlements through its On-Demand Liquidity service. 

However, less recognized firms like VivoPower and Trident Digital have taken steps by allocating millions in XRP for treasury or payments. These cases show the model works, even if it hasn’t yet scaled to the size of the largest global corporations. 

The regulatory environment has also improved after the SEC ruled in July 2023 that secondary trading of XRP does not count as a security, which could encourage more corporate interest.