Crypto pundit Vincent Van Code has explained what a $5 trillion Fed master account, which Ripple is eyeing, could mean for XRP. This comes as the Fed weighs rolling out skinny master accounts for crypto firms, which could also provide them access to the central bank’s payment rails. What A Fed Master Account For Ripple Could Mean For XRP In an X post, Vincent Van Code stated that a Fed master account for Ripple means that the company can hold its RLUSD backing balance with the Fed without counterparty risk. He further noted that the $5 trillion is a glimpse into how much RLUSD will be printed. The pundit then alluded to the RLUSD/XRP pair, suggesting that XRP’s value could increase significantly as it is used to enable cross-border asset exchanges. Related Reading: Ripple Execs Are Firing Back And XRP Investors Could Be In For A Good Time In line with this, Vincent Van Code declared that there are big plans in store for XRP and that the flywheel hasn’t yet spun up. The pundit suggested that XRP holders simply have to be patient as these plans materialize. In another X post, he explained the model for how a Fed master account could send XRP to at least $80 based on Ripple CEO Brad Garlinghouse’s prediction that over 30% of Ripple Treasury’s $13 trillion could be on-chain by 2031. The pundit noted that 30% of $13 trillion is around $5 trillion and that a Fed master account is also $5 trillion. He further remarked that a potential monthly release of 1 billion XRP from escrow at $80 per XRP would reach $5 trillion in about 60 months. Vincent Van Code added that he may be wrong, but that the model adds up. He added that XRP reaching $80 by 2032 will shock some people, but those who bought at $0.50 could see a 160x return. 30% of Ripple Treasury’s $15 Trillion Could Move On-chain In an X post, Crypto pundit ChartNerd highlighted Ripple CEO’s statement that 30% of their treasury business could move on-chain in the next five years. Garlinghouse noted how this could provide more liquidity in the crypto ecosystem, potentially boosting XRP’s price, with the firm already integrating the altcoin into their treasury management system. Related Reading: Why Does Ripple Keep Unlocking And Selling Millions Of XRP Every Month? The Ripple CEO also mentioned that their treasury business is seeing greater adoption among large- to mid-sized companies, with American Airlines as a client. He noted that they have been able to make payments faster and more cost-effectively for these companies, as they can now make cross-border payments in real time. Garlinghouse also alluded to their dashboard, which makes payments easier, seeing as they have now integrated XRP and RLUSD with fiat on the same dashboard. At the time of writing, the XRP price is trading at around $1.38, down in the last 24 hours, according to data from CoinMarketCap. Featured image from Getty Images, chart from Tradingview.com
Odelia Torteman, the Director of Corporate Adoption at XRPL Commons, has revealed that BlackRock and Mastercard are showing interest in the XRP Ledger (XRPL). She also explained how the network is the right fit for these institutions as they look to move on-chain. BlackRock and Mastercard Are Showing Interest In XRP XRP pundit Xaif shared a video in which Torteman confirmed that BlackRock and Mastercard were showing interest in the XRP Ledger, signaling that they could consider launching a product on the network. She also noted that the XRPL was designed from the beginning to support several use cases, which could align with these institutions’goals. Related Reading: Ripple CEO Breaks Down How XRP Ledger DeFi Users Are Protected From Attacks Like KelpDAO Torteman further remarked that the XRP Ledger has pre-embedded features that support enterprise-grade use cases. She alluded to the pre-built AMM, DEX, and other features that developers are currently working on as part of the institutional DeFi roadmap, which could help onboard institutions such as BlackRock and Mastercard. It is worth noting that the XRP Ledger recently added zero-knowledge (ZK) proof technology, which XRPL Commons announced in partnership with Boundless. XRPL Commons stated that on-chain privacy was the missing piece for institutional adoption, indicating that the network could now see greater adoption with the addition of on-chain privacy. BlackRock and Mastercard already have ties to the XRP ecosystem through their collaboration with Ripple. Last year, Ripple and Securitize, the issuer of BlackRock’s BUIDL fund, partnered to add RLUSD as a stablecoin off-ramp for the tokenized fund. Meanwhile, Ripple has collaborated with Mastercard for its Crypto Partner program. The firm revealed that the collaboration includes testing RLUSD on the XRPL to enable faster, regulated stablecoin settlement for Mastercard transactions. Companies Set To Drive The Next Wave Of Adoption Xaif shared another video in which Ripple’s President Monica Long signaled that companies will drive the next wave of adoption for XRP and XRPL. She highlighted that her firm is already working with several partners who use its infrastructure for activities such as dollar clearing. Related Reading: Ripple’s Tokenization Bet: Will XRP Price Explode As It Enters This Trillion-Dollar Industry? She also revealed that they are seeing more use cases for internal treasury management, with companies and banks looking for more efficient ways to move money across different entities in real time across the world. The Ripple president also opined that there is a significant use case with their Ripple Treasury product. Notably, Ripple recently integrated XRP and RLUSD into the Ripple Treasury management system, enabling institutions to use these crypto assets in the same environment. Long highlighted how the focus for these institutions is to be able to manage payments efficiently, which is something crypto assets and stablecoins help with. At the time of writing, the XRP price is trading at around $1.42, up in the last 24 hours, according to data from CoinMarketCap. Featured image from Adobe Stock, chart from Tradingview.com
The conversation around XRP’s long-term price potential has always gravitated toward one question: what happens when Ripple’s infrastructure meets global banking at scale? That same line of thinking extends to scenarios where the XRP Ledger begins handling a significant share of SWIFT’s transaction flow. An XRP enthusiast called The Real Remi Relief, who is known for his ultra-bullish predictions for XRP, projected that the cryptocurrency would need to trade somewhere around $1,500 to $2,000 just to provide enough liquidity and keep slippage under control if this happens. 50% Of SWIFT Theory Produces A 4-Figure XRP Number Ripple’s ecosystem now has partnerships with around 300 institutions, mostly through its acquisition of Hidden Road in 2025. Furthermore, at least 30 of the 50-plus banks named in SWIFT’s new retail payments framework are already maintaining ties to Ripple’s network. Therefore, it is no longer theoretical that Ripple could absorb a notable chunk of SWIFT’s flows in the coming years. Related Reading: Pundit Shows How XRP’s Performance Has Outpaced Hedge Funds Calculations on X by crypto commentator The Remi Relief are putting hard numbers to the scenario, and the figures land the XRP price in four-digit territory. The model begins with SWIFT’s scale. SWIFT facilitates approximately $150 trillion in cross-border transactions annually. The Remi Relief’s framework applies a 50% capture scenario to that volume. At that threshold, around $250 billion must be held in active XRP liquidity at any given moment to prevent slippage, which is a pricing disruption that occurs when large trades move through thin order books. The math produces a price in the range of $1,500 to $2,000 for each unit of XRP in order to prevent this. Scale the capture rate to 100% of SWIFT, and the projection doubles to anywhere between $3,000 and $4,000 per XRP. The model works only if one accepts the starting assumption that XRP would actually be handling a huge portion of SWIFT flows in the first place. Ripple Is Building For Institutions Ripple’s recent strategy shows why some investors think the long-term XRP case is becoming more serious. In April 2025, the company announced its $1.25 billion acquisition of Hidden Road, one of the biggest deals in the crypto industry, and later completed that transaction as part of its push to build institutional-grade financial infrastructure. Related Reading: Japan Is Going In On XRP, But Can This Drive The Price To $10? Following its acquisition of GTreasury in 2025, Ripple expanded its Treasury platform into SWIFT’s ecosystem. Ripple Treasury’s platform now gives corporates a choice between traditional SWIFT rails and blockchain-powered settlement in seconds using XRP or RLUSD. However, building institutional rails is very different from capturing half of SWIFT, as the network is also not standing still. The network said that it would add a blockchain-based shared ledger to its infrastructure stack, and by early 2026, it said more than 50 banks across 16 countries are working to create a design focused initially on 24/7 cross-border payments. Featured image from Getty Images, chart from Tradingview.com
Crypto pundit Chad has drawn a connection between Ripple and XRP with SWIFT. This comes as Ripple continues to expand its payment services and other operations, further integrating XRP and RLUSD into traditional finance (TradFi). Pundit Draws Attention To The Connection Between Ripple And XRP In an X post, Chad noted that Ripple Treasury and XRP are now connected directly to SWIFT. This came as he highlighted Ripple’s listing of SWIFT as one of its connectivity partners for payments. The treasury management firm stated that it is part of the SWIFT Certified Partner Program. Related Reading: XRP Analyst Shares What To Expect Once Ripple Taps This $12.5 Trillion Industry As part of the SWIFT Certified Partner Program, Ripple Treasury stated that it offers global bank connectivity and hosting options for SWIFT’s Alliance Lite2 platform. As part of the Ripple, XRP connection with SWIFT, Ripple Treasury has also partnered to offer SWIFTRef data for IBAN and ABA lookups directly from within its workflow. Additionally, Ripple Treasury has partnered with Fides, which works closely with platforms such as SWIFT. Fides helps Ripple Treasury to extend multi-bank connectivity to customers around the globe. Meanwhile, Chad also pointed out how Ripple and XRP, by proxy, are basically integrated into the financial system. This is through Ripple Treasury’s ClearConnect connectivity layer, which provides connectivity to banks worldwide. The pundit noted that for any bank not yet connected, it now takes only 7 days to install the API and connect. At the moment, Ripple Treasury is connected to NetSuite, Oracle, SAP, Infor, Workday, and MS Dynamics. It is worth noting that this Ripple Treasury’s connectivity layer enables customers who hold crypto assets across multiple platforms to connect to these providers, so they can view their entire portfolio on their treasury management system without needing separate systems. Acquiring GTreasury Was Ripple’s Biggest Move In another X post, Chad stated that GTreasury was the “single biggest move” that Ripple has ever made. This came as he alluded to Ripple’s latest move to launch the first management system with native on-chain capabilities. This move integrates XRP and RLUSD into the Ripple Treasury, allowing customers to use these crypto assets in the same environment as fiat. Related Reading: Why SWIFT’s Latest Global Payments Infrastructure Is Bullish For XRP Holders The pundit remarked that Ripple doesn’t need the CLARITY Act to operate, as the crypto firm continues to integrate XRP into mainstream finance. It is worth noting that Ripple is also close to becoming a national trust bank, which could further give the crypto firm access to the U.S. banking system. Additionally, the firm has applied for a Fed Master account, which would enable it to use the Federal Reserve’s payment rails for its stablecoin operations. At the time of writing, the XRP price is trading at around $1.31, up in the last 24 hours, according to data from CoinMarketCap. Featured image from Adobe Stock, chart from Tradingview.com
An XRP analyst has outlined the dramatic changes that could happen for the cryptocurrency as Ripple positions itself to integrate with a massive $12.5 trillion payments ecosystem. In a detailed post on X, the analyst highlighted Ripple’s $1 billion acquisition of GTreasury, which the crypto company has since rebranded as Ripple Treasury. This strategic takeover now grants Ripple access to an extensive network of traditional banks and a massive payment volume, which the expert believes could benefit the XRP Ledger (XRPL) and, in turn, drive the cryptocurrency’s price upward. Ripple Gains Access To $12.5 Trillion Market Market analyst X Finance Bull has questioned what possible price changes and developmental milestones could occur if Ripple can tap into a $12.5 trillion payment pipeline. In his post on X, he explained that the launch of Ripple Treasury now grants Ripple access to over 13,000 connected banks and more than 1,000 corporate clients, including Volvo, Subway, and STIHL. Collectively, these clients handle a combined annual payment volume of $12.5 trillion. Related Reading: XRP Expert Says The Moment Has Finally Come, Here’s What He Means Right now, zero percent of this enormous payment flow passes through cryptocurrencies, a gap that X Finance Bull said represents a major opportunity for XRP. He also claimed that Ripple’s CEO, Brad Garlinghouse, had made the same point, noting that Ripple was specifically designed to bridge this gap. Currently, Ripple Treasury manages the company’s full corporate workflow, covering payments, cash forecasting, netting, reconciliation, risk, liquidity, and regulatory reporting. To make this work, X Finance Bull stated that ClearConnect, a proprietary API connectivity suite launched by GTreasury in 2022, will serve as a bridge linking Ripple Treasury to banks and ERP systems. And on the other side, with XRPL, Ripple’s blockchain infrastructure. This approach will enable payments and financial operations to move on the blockchain without requiring companies to change their existing systems. It also creates a multi-utility powerhouse under one ecosystem, consisting of wallet storage, payments, custody, prime brokerage, and compliance. Supply Limits And Payment Volume To Fuel XRP Price Growth In his post, X Finance Bull noted that 769 million XRP tokens are currently locked in Exchange-Traded Funds (ETFs), which collectively manage $1.1 billion in assets across seven funds. He noted that this concentration is significantly tightening XRP’s available supply, which could place upward pressure on its price. Related Reading: XRP To Enter This $100 Trillion Custody Pool And This Is How It Will Happen Meanwhile, the analyst stated that the $12.5 trillion in annual payments from Ripple Treasury could have a significant impact on prices if it moves through XRPL. The analyst projected that if just 1% of this volume were to flow through the XRP Ledger, it would generate about $125 billion in new annual transaction volume for the blockchain. He noted that such volumes could dramatically influence liquidity demand and XRP’s price behavior. Additionally, X Finance Bull highlighted that, given XRP’s strong infrastructure, the cryptocurrency’s current price below $1.4 significantly underestimates its real-world potential. Featured image from Adobe Stock, chart from Tradingview.com