XRP is currently trading near $3, but experts believe it could see much higher valuations with key regulatory approvals and wider usage. An analysis by community figure Pumpius explores potential scenarios that could drive the token's price to three-digit levels.
Two Main Growth Drivers for XRP
Pumpius argues that XRP’s growth will depend on practical use rather than speculation. He identified two scenarios that could significantly elevate the token’s price: Ripple obtaining a U.S. national trust banking license and multinational corporations using XRP Ledger for treasury and supply chain operations.
Banking License as a Catalyst
Ripple applied to the Office of the Comptroller of the Currency in July 2025 to establish Ripple National Trust Bank. If approved, the institution would provide custody services and manage stablecoins. A decision is expected in October. Pumpius estimated that approval could result in approximately $500 billion in annual settlement flows, potentially supporting XRP’s rise to $50.
Enterprise Adoption as the Next Step
Pumpius suggested that large companies moving treasury or supply chain functions to XRPL could unlock further value. He projected that even a small shift from companies like Apple or Amazon could facilitate up to $5 trillion in annual flows. No major multinational has announced such a move yet, but Ripple already collaborates with over 300 financial institutions.
Improved regulatory clarity for XRP following the SEC's ruling fosters optimism regarding its future. If Ripple secures a banking license and larger companies start adopting XRP, this could represent a significant advancement for the XRP ecosystem.
