The landscape for digital assets in the United States may be changing faster than ever. The Federal Reserve has begun exploring direct access for fintech and crypto companies to its payment rails, potentially transforming how blockchain-based payments operate across the country.
Ripple, the company behind XRP, has already applied for a Federal Reserve master account, positioning itself as a leader in connecting blockchain technology with the traditional financial system. If approved, this access could allow Ripple to facilitate faster, lower-cost settlements, integrate with FedNow, and expand services such as digital custody and tokenized assets.
This development arrives just as the Federal Reserve confirmed it is actively studying AI, tokenization, and smart contracts to upgrade its own payment infrastructure.
Ripple’s Advantage in a Changing Market
Direct access to Federal Reserve payment systems would give Ripple a strategic edge over competitors in the stablecoin and cross-border payment markets. XRP’s design as a fast and low-cost settlement token positions it well for institutions looking to move value instantly without relying on intermediaries.
With Ripple’s pending U.S. banking license and alignment with ISO 20022 standards, XRP could play a key role in modernizing international settlements. This framework could also boost institutional confidence, making XRP a viable tool for on-chain liquidity and real-time global transactions.
Evernorth’s NASDAQ Listing and Supply Shock Potential
Evernorth, an XRP-focused treasury company, has officially gone live on the NASDAQ. The company will purchase XRP directly from exchanges rather than through discounted over-the-counter deals. This means real market demand will increase across platforms such as Coinbase, Uphold, and Kraken.
AI Prediction: XRP Between $5 and $10 by Late 2025
According to projections from China’s DeepSeek AI, XRP could climb sharply over the next year. The model predicts a price range between $5 and $10 by the end of 2025, up from its current level of around $2.50.
Between the Federal Reserve’s shift toward digital asset inclusion, the listing of XRP-linked companies on major U.S. exchanges, and AI-driven market models predicting strong gains, the sentiment for XRP appears to be building.