Software engineer and longtime XRP advocate Vincent Van Code has launched a new debate across the Crypto community by outlining what Ripple considers as a transformative implication of Ripple’s bid for the US banking charter and the master account of the Federal Reserve. The developments confirmed by Ripple on July 2 will position the company at the epicenter of both Crypto Innovation and traditional financial infrastructure.
According to Van Code, the impact of such regulatory approvals is far beyond Ripple’s current operations. “With Ripple announced that it is seeking a bank’s charter and a master account for the Fed, this means that they will become the first crypto bank,” he posted on X. He detailed that Ripple can maintain its Federal Reserve and direct reserves, bypass commercial banks, and operate as a full-service financial institution offering both FIATO and Crypto products.
This includes providing the ability to provide FDIC insurance deposit accounts (even certain crypto assets) up to a $250,000 limit, lending against crypto collateral such as XRP. “It’s going to be a nut, and XRP is flying it all together,” he wrote, calling the possible integration of insured crypto banks and core border remittances a paradigm shift. “2025-2026 will be marked in history as the 100-year-old bank Cartil began to crumble.”
With the Master Account, Ripple will be able to interact directly with Fed payment rails, including Fedwire and Fednow, giving you full access to the US financial system as a settlement counterparty. In combination with a push to stubcoin via RLUSD and its remittance infrastructure Ripplenet, such regulatory leap could be completely embedded in both domestic and international payment flows.
Impact on XRP prices
In a follow-up post, Van Code did what he says rarely does. Provides specific XRP price forecasts. “I don’t usually predict the price of XRP, but I get asked often, so I’m sure that’s the case in the end,” he wrote. “My opinion is between $30 and $50. This is not a shill. No one expects me to agree. I am not a prophet or a time traveler. But my investment in XRP is based on this opinion.” He was not committed to the time frame, but emphasized that such targets are not arbitrary volition, but based on a set of macros and market catalysts that unfold.
Among these catalysts, Van Code cited potential XRP Spot ETF approvals and facility capital inflows of estimated $200-$50 billion. He also pointed out the approval of potential master accounts, coupled with Ripplenet, which earns 20-30% of the $1 trillion cross-border payment market, with XRP as a bridge asset in the central bank digital currency (CBDC) corridors in over 50 countries.
Van Code also notes the rise in Ripple’s Stablecoin RLUSD use cases, claiming that demand for the Fed-backed digital dollar will be strengthened by XRP’s utility as a bridge. He also raised the idea that XRP could be used in Saudi Arabia’s oil settlements, and cited the 2024 collaboration with the Saudi central bank as a possible evolutionary foundation, with Ripple confirmation.
His post hit a chord in the XRP community. “People were focusing on XRP prices… a lot of interesting opinions. But I expect everyone to expect at least five times the price. This is a great sign,” he said.
The idea that XRP could rise from $30 to $50 means trillions of market capitalization. This would be what skeptics would call it unrealistic. However, for XRP holders, especially those who view Ripple’s regulatory pathway as a backdoor to institutional legitimacy, the confluence of Fed Master Accounts, banking charters, ETF influx, and global adoption are more than just theoretical. This is the roadmap.
At the time of press, the XRP traded for $2.27.
