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.

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.

Multiple analysts expect a major comeback for XRP after the coin has cooled off from the weeks-long bearish performance.

Michael XBT, a veteran analyst and self-described market psychologist, issued a cryptic message suggesting that the coming weeks hold a lot of promise for holders.

In his brief update on X, he told his followers to “Watch XRP this week,” adding that that’s all he will share publicly.

The statement hints that, although XRP is currently trading with a significant 11.65% dip on the monthly chart, things may be about to turn around.

Michael has a notable track record of predictions that have often played out with remarkable accuracy, fueling conviction in his latest suggestions.

Track Record of Bold Calls

For instance, back in mid-2024, when XRP traded for $0.50, he predicted that it could break out from a historic seven-year bull pennant. Just months later, XRP surged nearly 600% to $3.40 by January 2025, confirming his thesis.

Since then, XRP has consolidated above $2, cooling off after that explosive run. Michael has repeatedly described the pullback as healthy. He has hinted that the next XRP wave would coincide with a major Bitcoin breakout. His latest post suggests that such a moment may now be approaching.

XRP Technical Patterns Align with Fundamentals

Other analysts echo Michael’s optimism. Just days ago, Davie Satoshi pointed to an Elliott Wave structure in XRP’s monthly chart. The pattern indicates that XRP is entering Wave III of a larger cycle — historically the most powerful breakout phase.

Separately, analyst Dark Defender also said XRP is ready for its next major rally, noting that it has completed its Wave 4 correction. In his view, the fifth wave could push XRP to nearly $4.50, as long as the $2.85 support holds. At press time, XRP is trading above $2.93, up 3.58% on the day.

Fellow analyst EGRAG also remains optimistic, pointing to a strong monthly structure and XRP’s position above the 21 EMA. He sees short-term targets of $3.90 and a long-term potential up to $46.

Meanwhile, Davie’s targets range between $8 and $30. He also highlighted Ripple’s acquisition of Rail Financial, the launch of RLUSD stablecoin, the global rollout of ISO 20022, and ETF filings as fundamental drivers that could amplify the technical setup.

Whales and AI Models Signal Strength

Other voices in the market, such as Ripple Van Winkle, have pointed to whale accumulation as evidence of renewed bullish pressure. Van Winkle cited large holders buying heavily during the recent dip under $2.70, calling it a bottom signal. Even AI-driven forecasts from tools like ChatGPT and Grok have leaned bullish on XRP.

A market pundit has suggested that Coinbase may be manipulating the XRP price, alleging that this event is contributing to the price struggles.

For context, XRP has struggled to climb above the $3 level despite signs of recovery in the wider crypto market. It currently trades around $2.90 after more than a week of sideways movement, and some analysts believe exchange activity may be holding it back.

Coinbase XRP Holdings Drop by 69%

Market commentator Stern Drew recently made these allegations. He called attention to XRPScan data showing that Coinbase cut its reserves from 780 million XRP to 199 million within weeks, a drop of 69%. 

At today’s prices, the reduction equals roughly 581 million XRP, or nearly $1.69 billion in value. Drew argued that the scale and speed of the decline looked unusual and suggested that it could be a deliberate action.

He also claimed the timing of the reduction lined up with major XRP price dips. By his account, about 40% of the outflows passed through over-the-counter desks linked to institutions in New York. 

Mounting Allegations

He alleged that Coinbase executed much of the selling during thinly traded hours, typically between 2:00 AM and 5:00 AM UTC, when the market could be most vulnerable. 

3/🧵
💡 Suspicious Patterns
•72% of the dump volumes hit low-liquidity hours (2–5AM UTC).
•Coinbase routed sales via multiple exchange wallets, fragmenting to disguise flows.
•Volume spikes suppressed rallies that would have broken $1.20 resistance.

This isn’t coincidence —…

— Stern Drew (@SternDrewCrypto) September 5, 2025

According to him, the trades appeared fragmented across multiple wallets, which he described as an attempt to conceal flows. Drew suggested that these moves repeatedly cut off rallies that might have pushed XRP past a major resistance zone.

Drew further speculated on Coinbase’s motives. He linked the exchange’s long-standing ties to Ethereum-focused organizations and alleged that certain Wall Street firms may want lower prices to allow institutional players to accumulate XRP at a discount. 

He also floated the idea that weakening XRP could reduce Ripple’s bargaining power in U.S. policy discussions. However, none of these points comes with direct proof, and they remain speculative allegations.

To back his theory, Drew cited what he called an “XRP suppression index.” He claimed the index showed a strong 0.87 correlation between Coinbase’s activity and XRP’s inability to break higher. The market pundit insisted no other exchange displayed the same pattern. 

Where Does BlackRock Come in?

Drew also claimed that some of the reduced holdings ended up in wallets tied to BlackRock’s custodial services. At the same time, other portions moved to Hong Kong over-the-counter desks just before Ripple announced new expansion plans in Asia.

BREAKING: 🇺🇸 DATA FROM XRPSCAN SHOWS COINBASE $XRP HOLDING HAVE BEEN REDUCED 69% IN 3 MONTHS!

FALLING FROM 780 MILLION $XRP TO 199 MILLION BETWEEN JUNE & AUGUST! pic.twitter.com/Vn5cdM5RMt

— Good Morning Crypto (@AbsGMCrypto) September 7, 2025

Notably, another analyst, Abdullah “Abs” Nassif, raised similar concerns. He noted that Coinbase’s XRP reserves dropped by nearly 70% between June and August, describing the decline as a development too large to ignore.

Still, others believe something else could be happening. For context, Coinbase formed a partnership with BlackRock in 2022, giving institutions access to digital assets through the Aladdin platform. Some argue the decline in Coinbase’s XRP holdings may not signal heavy market selling but rather transfers to institutional custody accounts.

As XRP price performance gradually improves, analysts are urging market participants to pay more attention to the coin amid promising signs.

In a tweet, analyst Davie Satoshi highlighted what he called a “textbook Elliott Wave structure” for XRP on the monthly log chart.

The wave count suggests that XRP has completed its corrective phase and is now entering wave 3 of a major 5-wave cycle. Historically, this phase of the Elliott pattern has been the most explosive.

Accordingly, Davie projects that XRP could rally to between $8 and $30 before experiencing any significant pullback. Notably, this outlook offers a potential 3x to 10x upside for current holders, with the coin trading at $2.90.

The current price reflects a 2.60% gain for XRP over the past day, though it still bears a substantial 12.5% loss in the last 30 days. Meanwhile, Davie’s outlook for XRP goes beyond technical analysis. He also bases his optimism on several bullish fundamental developments.

Rail Acquisition and Stablecoin Push

One of the main catalysts is Ripple’s acquisition of Rail Financial and the launch of RLUSD stablecoin.

Davie noted that Rail already processes about 10% of all stablecoin transactions. Routing these flows through the XRP Ledger could significantly boost both utility and volume.

He sees this as a way for Ripple to scale On-Demand Liquidity (ODL) without relying heavily on traditional banks.

ISO 20022 and Regulatory Clarity

Another driver is the global rollout of ISO 20022 this November. The new payment messaging standard is being adopted worldwide by banks and financial networks.

RippleNet is already compliant, putting XRP in a position to serve as a bridge asset. On top of that, the conclusion of the SEC case has provided XRP with something most altcoins lack: full legal clarity. XRP is officially not a security, removing major barriers to institutional adoption.

ETF Filings Line Up for Approval

Furthermore, the analyst highlighted potential amplified institutional demand for XRP after the SEC approves the spot XRP ETFs.

Filings have been submitted by CoinShares, WisdomTree, Bitwise, 21Shares, Franklin Templeton, Grayscale, and Canary Capital. A decision window is in October, while ProShares has already launched an Ultra XRP futures ETF with 2× exposure on NYSE Arca.

An approval could trigger a wave of capital inflows similar to what was seen with Bitcoin ETFs.

Ripple’s Thunes Partnership

Davie also cited Ripple’s partnership with Thunes as another major expansion opportunity. Thunes operates across more than 100 countries, supports over 80 currencies, and connects more than 3 billion digital wallets.

Integrating ODL with this network positions XRP as a key bridge asset for remittances, payroll, and cross-border commerce.

At the same time, institutional accumulation of XRP is rising. Davie said hedge funds and family offices are now viewing the token as safe to hold.

Utility-Driven Rally

Amid these factors, the analyst argues that XRP’s growth potential is now rooted in utility, unlike in previous years, suggesting it may be more sustainable.

From global payments to stablecoin flows and new institutional corridors, XRP has multiple streams of adoption fueling demand.

Accordingly, Davie Satoshi believes it is now positioned for its strongest rally yet, backed by both technical indicators and real-world use cases.

What could XRP price rise to if its network-native burn mechanism creates a digital scarcity similar to the Bitcoin halving?

For context, the XRP Ledger (XRPL) features a built-in burn feature that permanently destroys tokens, but the original architects never designed it to boost scarcity. Instead, its purpose is to stop spam by charging a small fee for every transaction and burning that fee. 

XRPL Burn Mechanism and Bitcoin Halving

Since XRPL went live in 2012, the network has burned just over 14.18 million XRP. This figure makes up only 0.014% of the total supply of 100 billion and about 0.023% of the current circulating supply of 59.48 billion. 

On average, the network currently burns around 2,700 XRP a day, which adds up to nearly one million a year. At this pace, it would take about a thousand years to burn just one billion XRP, or only 1% of the total supply.

This slow rate of burn leads to an interesting question: what if XRPL worked more like Bitcoin’s halving? For context, every four years, Bitcoin cuts the number of new coins entering circulation in half. 

The steady reduction in supply has historically fueled major price rallies. The most recent Bitcoin halving in April lowered the daily block reward to 3.125 BTC and again showed how supply shocks influence Bitcoin’s price. 

If XRP had a similar mechanism that introduced real scarcity, what could that mean for its value? To find out, we asked Google’s AI chatbot, Gemini. Currently, XRP changes hands at $2.90 with a market cap of around $182 billion.

XRP Price if Burns Create Digital Scarcity 

In its response, Gemini noted that if XRP went through a halving that cut its circulating supply to roughly 30 billion while the market cap stayed the same, the price could rise to about $6.12. 

However, Gemini explained that this scenario represents the most cautious outcome since it assumes demand stays flat and only supply changes.

The chatbot pointed out that Bitcoin’s halvings typically do far more than simply double the price. Specifically, each event has triggered fresh demand and speculation, often pushing Bitcoin’s market value two to four times higher within a year.

Gemini used this history as a guide to present a more optimistic case for XRP. If the market cap grew 2.5 times to about $455 billion and the supply halves, the price could reach around $15.30. According to Gemini, this figure is still conservative compared to Bitcoin’s explosive post-halving rallies.

Nonetheless, Gemini stressed that such a system is very unlikely for XRP. Unlike Bitcoin, XRP does not rely on mining or new coin issuance. The entire 100 billion supply already exists, with Ripple holding a large share in escrow and releasing it in a steady, predictable schedule. 

The current burn feature plays a practical role in protecting the network rather than serving as a price booster. For XRPL to adopt halving events, developers would need to change the core design of the system completely, something Gemini said is highly improbable.