The $50 XRP Trigger: Expert Says Most Don’t Realize How Close We Are

In a recent thread on X, Pumpius (@pumpius), who has been in the crypto space since 2013, introduced what he called the “$50 XRP trigger.”

His analysis begins with Ripple’s application for a national trust bank charter under the U.S. Office of the Comptroller of the Currency (OCC). He stated, “XRP doesn’t crawl to $5 or $10. It detonates straight to $50+.”

He pointed out that this is not a minor regulatory filing but an application for the same license used by major custodial institutions such as JPMorgan and BNY Mellon. According to him, if Ripple gains approval, it would hold “those same powers but with XRP at the core of settlement.”

https://twitter.com/pumpius/status/1959657664725586052?ref_src=twsrc%5Etfw” rel=”nofollow noopener” target=”_blank

Direct Access and Expanded Authority

Following this, Pumpius outlined what such approval would enable. He argued that a Ripple bank charter could provide “direct access to the Federal Reserve,” while also giving the company the authority to custody digital assets, issue stablecoins, and settle securities transactions. He characterized this as more than a traditional bank, emphasizing its potential role in digital asset finance.

Bypassing intermediaries was central to his explanation. He stated that “banks, brokers, and funds can directly use Ripple as their on-ramp into tokenized finance.” In his view, XRP functions as the bridge for this system, serving as the settlement layer that removes friction from existing financial infrastructure.

The Liquidity Argument

Pumpius then turned to a quantitative perspective. He highlighted that global bank settlements reach $6.6 trillion daily, and argued that routing even a small portion of this through XRP’s fixed supply would have significant implications for price. As he put it, “XRP at $50 isn’t hype, it’s basic liquidity math.”

https://twitter.com/TimesTabloid1/status/1934162718258499855?ref_src=twsrc%5Etfw” rel=”nofollow noopener” target=”_blank

Settlement demand at scale requires deep liquidity. By positioning XRP within a regulated bank structure, he suggested the asset could capture enough transactional flow to drive prices substantially higher.

Strategic Timing

Pumpius also connected Ripple’s legal history to its current regulatory path. He described the SEC lawsuit as “a smokescreen to delay, filter, and clear the path for OCC approval.” He positioned the closure of that case as a turning point, aligning with Ripple’s banking application.

He contrasted Ripple’s strategy with prevailing market narratives, stating that “most of crypto still thinks in memecoins and ETFs” while Ripple is working directly with regulators. According to him, this positions the company to “hardwire XRP into the core banking system.”

He concluded that once the OCC grants approval, XRP will no longer be defined as just another crypto asset but as part of the U.S. financial infrastructure. His closing point was clear: once that threshold is crossed, “$50 XRP will look cheap.”

Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent BitcoinLinux’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. BitcoinLinux is not responsible for any financial losses.

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