The Federal Reserve May Reportedly Allow U.S. Banks to Integrate with the Ripple Network — Analysts Say XRP Will Hit $10,000 Faster Than Anyone Thinks
- Samantha
- Apr 24
- 3 min read
In a development that could reshape the entire financial landscape, industry insiders suggest that the Federal Reserve may soon permit U.S. banks to integrate directly with the Ripple network. If confirmed, this move would not only validate Ripple’s infrastructure on a national scale but also give XRP the regulatory green light it has long sought. With whispers of this seismic shift growing louder, some analysts are now boldly forecasting that XRP could skyrocket to $10,000, positioning it as the undisputed leader of the crypto market.
Ripple’s Rise to the Federal Stage
Ripple has steadily built relationships with financial institutions around the globe. From Europe to Asia, hundreds of banks and payment providers already use Ripple’s On-Demand Liquidity (ODL) and the XRP Ledger (XRPL) to facilitate fast, low-cost cross-border transfers. The XRPL’s ability to settle transactions in seconds at a fraction of a cent stands in stark contrast to the outdated SWIFT network, which still handles many of the world’s cross-border payments but takes days to complete them.
A potential Federal Reserve nod would bring Ripple’s capabilities to the U.S. banking system—the largest and most influential in the world. According to sources close to the matter, this integration could involve RippleNet or even the direct use of XRP as a liquidity bridge between banks and the Fed’s upcoming FedNow instant payment service.
Analyst Forecast: XRP to $10,000?
While $10,000 may sound far-fetched, some analysts argue that such a valuation is mathematically possible—especially if XRP becomes the global standard for liquidity and settlement across both retail and institutional finance.
One popular model breaks it down this way:
Global cross-border payment volume is projected to surpass $250 trillion annually.
If XRP were to handle even 10% of this liquidity through ODL, the transactional demand alone would justify a price well into the four-digit range.
Combined with scarcity (a fixed supply of 100 billion XRP) and high-volume adoption by banks, governments, and enterprises, analysts argue that $10,000 per XRP is not only achievable but potentially conservative over the long term.
Institutional Tailwind Could Accelerate Price Action
The timing of this potential Federal Reserve alignment couldn't be more strategic. U.S. regulatory clarity remains a major bottleneck for institutional adoption of digital assets. If XRP becomes one of the first tokens to be openly supported or utilized within the framework of U.S. banking laws, it could unleash a wave of pent-up institutional capital. Pension funds, hedge funds, and asset managers—many of whom have been waiting on the sidelines—would likely jump in, potentially triggering a supply shock.
XRP’s Network Advantages Over Bitcoin and Ethereum
Unlike Bitcoin, which struggles with scalability and energy inefficiency, and Ethereum, which still battles high gas fees and network congestion, XRP offers:
Consistent 3-5 second settlement times
Over 1,500 transactions per second
Ultra-low transaction costs (fractions of a cent)
Eco-friendly consensus mechanism
These technical advantages, combined with an endorsement by the Federal Reserve, could cement XRP’s reputation as the first institution-ready digital asset.
Final Thoughts
While the $10,000 price point may seem like a moonshot, the logic behind it is grounded in Ripple’s continued evolution from a fintech startup to a legitimate backbone for the next era of global finance. If U.S. banks are allowed to integrate Ripple’s infrastructure—and if the Federal Reserve puts its seal of approval on that integration—the floodgates for mass adoption and value creation could swing wide open.
For XRP, the stars are aligning. The question isn’t whether it will rise—it’s how fast.
