Ripple is entering a new era of institutional dominance. In July 2025, the blockchain payments giant applied for a license to launch Ripple National Trust Bank, a nationally chartered trust bank with limited purpose based in New York. The goal: to provide custody services, cryptographic infrastructure, and enterprise-grade stablecoin management—while not operating as a traditional deposit-taking bank.

This move includes a request for the Main Account of the Federal Reserve, allowing Ripple to access the U.S. payment system directly for transactions, a significant step in integrating cryptocurrency into the traditional banking system. While the bank is still awaiting final approval from regulators, this announcement has sparked market speculation, particularly around Ripple's native token XRP and major assets like Ethereum.

XRP Tests Key Levels as the Market Aims for $3.69

Currently trading in the range of $3.03 to $3.07, XRP has recently emerged from a downtrend channel but is now facing resistance at $3.14 and $3.34. Technical analysts note that a strong breakout above $3.34 could trigger a bullish rally to $3.69 or even higher, especially if regulatory clarity continues to improve.

The bank proposed by Ripple could accelerate XRP adoption by bolstering institutional confidence. With dedicated infrastructure to safeguard reserves, manage RLUSD (Ripple's stablecoin), and facilitate cross-border payments, XRP could become the centerpiece of a tightly regulated and potentially more scalable payment system.

Bullish scenario? A legal victory combined with bank license approval—two catalysts that could send XRP to new heights.

Ethereum Approaches $4,000 as Buyers Take Control

Ethereum is trading robustly in the range of $3,555 to $3,720. After rising over 40% in the past month, ETH is showing resilience amidst overall market volatility. The main resistance levels are at $3,881 and $4,234, and analysts remain optimistic as long as ETH continues to defend the $3,400 region.

Ethereum also indirectly benefits from Ripple's banking activities, thanks to the broader legitimization of tokenized infrastructure and integrated blockchain banking services. With ETH's growing presence in tokenized treasuries, stablecoins, and DeFi infrastructure, any moves toward regulatory clarity tend to enhance Ethereum's investment advantage.

Conclusion: Ripple's Banking Activities are Setting the Stage

Ripple's proposal for National Trust Bank is not just a mere cryptocurrency headline—it's a signal that blockchain is gradually penetrating the core financial architecture of Wall Street. If approved, it could elevate XRP and ETH to new heights—and in turn, potentially drive a new generation of breakthrough altcoins.