Ripple’s recent activities in the banking and stablecoin sectors have been the subject of speculation, but a brief exchange on X has provided a clearer glimpse into one possible direction. Responding to a question about when XRP will start growing, Bob Way (@bob_way), a popular crypto commentator, outlined how two elements, the RLUSD stablecoin and a pending banking license application, could form the foundation for a major expansion. He described the end of the legal battle between Ripple and the SEC as an important factor in enabling these plans, adding that he is highly optimistic about developments over the coming 12 months, including potential moves in international markets. RLUSD and Ripple’s banking license application is key to new value creation. The law suit finality is key to smoothing that process. I’m very bullish over the next 12 months. — Bob Way (@bob_way) August 10, 2025 Potential Impact on XRP Ripple has applied for a national trust bank charter from the U.S. Office of the Comptroller of the Currency. If approved, this license would allow the company to operate as a federally regulated trust bank, provide custody for digital assets, and manage RLUSD reserves under direct federal oversight. Such a framework could provide the regulatory foundation needed to support large-scale institutional use, as counterparties often require operations to be conducted within a licensed banking environment. The charter, combined with the stability of a fully regulated RLUSD , could enable new settlement pathways in which XRP serves as a bridge asset for cross-border transactions. This arrangement would reduce reliance on traditional correspondent banking and potentially increase demand for XRP in providing liquidity and rapid settlement. While these developments could lead to higher transaction volumes and deeper market integration, their success would still depend on regulatory approvals in other jurisdictions and Ripple’s effective execution. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 Operational and Strategic Considerations With RLUSD already dominating the market , Ripple’s focus shifts to scaling the stablecoin within a compliant, high-assurance framework. The pursuit of a national trust bank charter would formalize its role as custodian of RLUSD reserves under federal oversight, adding a layer of regulatory credibility that could attract larger institutional participants. International expansion remains a parallel priority. Securing approvals in non-US jurisdictions could allow Ripple to introduce RLUSD, XRP, and related services more quickly in regions where digital asset regulations are already established. This strategy demands close coordination with local regulators and adaptation of operational models to fit jurisdiction-specific requirements, ensuring that the stablecoin’s deployment meets both domestic and international compliance expectations. Ripple plans to establish a stronger position in both the stablecoin sector and cross-border settlement markets. For XRP, this would mean an environment where legal and regulatory clarity enables broader adoption, and Way believes the next 12 months could be transformative for the asset. 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 Times Tabloid’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. Times Tabloid is not responsible for any financial losses. Follow us on X , Facebook , Telegram , and Google News The post Pundit is Bullish for XRP Over the Next 12 Months. Here’s Why appeared first on Times Tabloid .
