XRP Upside Scenarios if Ripple Becomes Threat to Major Banks

Source: CryptoNewsNet Original Title: XRP Upside Scenarios if Ripple Becomes Threat to Major Banks Original Link:

Ripple’s Expansion Reshapes Community Perception

Ripple’s expansion through acquisitions and regulatory progress has fundamentally changed how the XRP community views the company. Instead of seeing Ripple as only a blockchain payments firm, several commentators now call it an emerging competitor to traditional banks, especially in treasury services, cross-border payments, and custody.

Ripple Pushes Ahead in 2025

Throughout 2025, Ripple moved to broaden its scope significantly:

• April-October: Acquired Hidden Road for $1.25 billion, a multi-asset prime brokerage processing roughly $3 trillion in transactions annually. The business was rebranded as Ripple Prime.
• August: Announced the $200 million acquisition of Rail, a Toronto-based stablecoin payments platform.
• October: Acquired GTreasury for $1 billion.
• November: Added Palisade to its portfolio for an undisclosed amount.
• December: Secured conditional approval to operate under a bank charter, marking a major regulatory milestone.

This acquisition strategy, combined with regulatory approval, has sparked discussions within the XRP community about Ripple becoming a serious challenge to established banks.

Could Ripple Pose a Threat to Major Banks?

XRP community figures have voiced concerns about Ripple’s competitive potential. Community member Vincent Van Code noted that Ripple now threatens the multi-trillion-dollar revenue banks earn from treasury operations, remittances, and custody services. According to him, after years of delays, Ripple has aligned the necessary elements to compete at scale.

When a group of banks attempted to block Ripple’s banking charter application in July, XRP community member Pumpius claimed major U.S. banking associations felt alarmed by Ripple’s move toward becoming a national trust bank.

XRP Price Outlook if Ripple Disrupts Banking Systems

If Ripple successfully enters a position where it could pose a major threat to traditional banks, the XRP price could feel significant impact. Google Gemini provided a hypothetical five-year price outlook based on global liquidity assumptions:

Moderately Bullish Scenario: XRP could trade between $12.50 and $18.00, aligning with Standard Chartered’s $12.50 forecast for 2028. This assumes a market cap of about $1.1 trillion as XRP gains adoption among large corporations.

More Bullish Case: If Ripple captures around 10% of global daily settlement volume, Gemini suggested XRP could reach $25 to $50, placing its valuation near Bitcoin’s historical peak.

Speculative Scenario: XRP could trade above $100 if it replaces legacy payment rails worldwide.

Gemini emphasized that higher XRP prices would reduce volatility when settling large transaction volumes. However, growth could face limits from:

• Competition with stablecoins, including Ripple’s own RLUSD
• Resistance from central banks that favor private ledgers
• New U.S. stablecoin rules under the GENIUS Act passed in July 2025, which would allow banks to issue their own digital tokens