Fed Supports Crypto Payment Innovation: Ripple's XRP Gains Momentum in 2025

The U.S. Federal Reserve’s recent endorsement of crypto payment innovations has sent ripples through the financial world, positioning Ripple’s XRP as a frontrunner in blockchain-based cross-border transactions. On October 21, 2025, Fed Governor Chris Waller announced a groundbreaking proposal for a “skinny master account”—a limited-access Fed account for compliant fintechs and stablecoin issuers. This allows entities like Ripple to directly connect to Fed payment rails without intermediary banks, enabling near-instant settlements and reduced costs. The initiative, unveiled at the Fed’s Payments Innovation Conference, marks a pivotal shift toward integrating digital assets into the U.S. financial system, potentially accelerating the adoption of XRP for global payments.

Ripple’s Strategic Push: OCC Application and Fed Alignment

Ripple, already a leader in blockchain payments, has applied to the Office of the Comptroller of the Currency (OCC) for a national bank charter, mirroring Circle’s USDC model. This would enable Ripple to operate as a federally regulated bank, enhancing its RLUSD stablecoin and XRP ecosystem. Coinbase has similarly pursued licensing, signaling broader institutional convergence. Waller’s proposal explicitly supports such innovations, stating it “supports payment innovation while managing systemic risks.” For Ripple, direct Fed access means plugging XRP liquidity into U.S. networks, slashing reliance on partners and boosting efficiency for remittances and enterprise finance.

XRP, trading at $2.40 (up 5% daily), has shown resilience amid BTC’s $107,556 stagnation. The token’s $2.90 price and 1,500 TPS capability make it ideal for high-volume settlements. The Fed’s openness could validate XRP’s compliance, following Ripple’s SEC victory, and accelerate stablecoin integration.

XRP Price Insights: Rebound from $2.26 to $2.53 Resistance

XRP has rebounded from $2.26 support, attempting to reclaim $2.53 for two days. If BTC holds $110,500, XRP could target $2.65-$2.77, per technical analysis. Bitcoin’s recovery is key; sustaining above $110,500 signals strength, potentially lifting XRP with it. Analysts forecast $3.00-$3.50 by November on Fed tailwinds, with $5.00 year-end if OCC approval follows.

2025 Implications: XRP as Fed’s Payment Ally

Waller’s plan reflects cautious innovation, allowing crypto firms like Ripple to operate within regulated frameworks. It could merge digital and traditional finance, with XRP’s RLUSD as a compliant instrument. For DeFi users, this enhances cross-border liquidity, reducing fees for RWAs and stablecoin trades.

In summary, the Fed’s crypto-friendly shift boosts Ripple’s XRP, signaling a bullish 2025 for blockchain payments.