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Ripple wins OCC bank charter, fueling XRP $25 price speculation amid Fed account pending.

Market News
28 May 2026
The Currency Analytics
View Source
Bullish
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Ripple received conditional approval from the Office of the Comptroller of the Currency (OCC) to establish a national trust bank, a first for a crypto-native company. This allows Ripple to manage reserves for its RLUSD stablecoin and positions it to potentially integrate directly with U.S. dollar payment systems if its pending Federal Reserve master account application is approved. The XRP community speculates a $25 price target based on Ripple's large XRP holdings and private valuation, but this depends on widespread adoption and real-world use of XRP in payments. The partnership with Shopify and RealFi highlights efforts to build practical utility for XRP beyond trading speculation, though the Fed's decision on the master account remains a critical next step.

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