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Vincent Van Code, a software engineer and long-time XRP advocate, ignited fresh debate across the crypto community by outlining what he believes to be the transformative implications of Ripples bid for a US banking charter and a Federal Reserve master account. The developments, which Ripple confirmed 2 July, would position the company at the epicenter of both crypto innovation and traditional financial infrastructure.
According to Van Code, the impact of such regulatory approvals would go far beyond Ripples current operations. With Ripple announcing they are seeking a banking charter as well as a Fed master account, this means they will be the very first crypto bank, he posted via X. He detailed that the move could allow Ripple to hold reserves directly with the Federal Reserve, bypassing commercial banks, and operate as a full-service financial institution offering both fiat and crypto products.
This would include the ability to provide FDIC-insured deposit accountspotentially even for certain crypto assetsup to the $250,000 limit, and lend against crypto collateral such as XRP. Thats going to be nuts. And XRP is flying it all together, he wrote, calling the possible integration of insured crypto banking and core cross-border remittances a paradigm shift. 2025 to 2026 will be marked in history as the era which the 100 year banking cartel began to crumble.
A master account would allow Ripple to interact directly with the Fed’s payment rails, including Fedwire and FedNow, giving it full access to the US financial system as a settlement counterparty. Combined with its push into stablecoins through RLUSD and its remittance infrastructure RippleNet, such a regulatory leap could fully embed Ripple into both domestic and international payment flows.
In a follow-up post, Van Code did something he says he rarely does: offer a specific XRP price prediction. I usually dont predict XRP price but often get asked, so here it is FINALLY, he wrote. My opinion is $30$50. And this is no shill, I dont expect anyone to agree with me. I am not prophet or time traveller. But my investment in XRP is based on this opinion. While he didnt commit to a timeframe, he emphasized that such targets are not arbitrary, but grounded in a set of unfolding macro and market catalysts.
Among those catalysts, Van Code cited potential XRP spot ETF approval and an estimated $20$50 billion in institutional capital inflows. He also pointed to a potential master account approval coupled with RippleNet capturing 2030% of the $1 trillion cross-border payments market, and global adoption of XRP as a bridge asset for central bank digital currency (CBDC) corridors in over 50 countries.
Van Code further noted the rising use case for Ripples stablecoin RLUSD, arguing that demand for a Fed-backed digital dollar would reinforce XRPs utility as a bridge currency. He also floated the idea that XRP could be used in Saudi oil settlements, citing Ripples confirmed 2024 collaboration with the Saudi central bank as a possible foundation for that evolution.
His posts have struck a chord in the XRP community. People weighed in on XRP price… Lots of interesting opinions. But common across all is everyone expecting price to at least 5x. This is a great sign, he said.
The idea that XRP could rise to $30$50 implies a market cap in the trillions, something skeptics will call out as unrealistic. But for XRP holders, especially those who see Ripples regulatory path as a backdoor to institutional legitimacy, the confluence of a Fed master account, bank charter, ETF inflows, and global adoption isnt merely theoretical. Its a roadmap.
At press time, XRP traded at $2.27.