The landscape for digital assets in the United States may be changing more rapidly than ever before. The Federal Reserve has begun considering giving fintech and crypto companies direct access to its payments rails, a move that could change the way blockchain-based payments operate across the United States.
Ripple, the company behind XRP, has already applied for a master account with the Federal Reserve, establishing itself as a leader in connecting blockchain technology with traditional financial systems. If granted this access, Ripple could facilitate faster and lower-cost payments, integrate with FedNow, and expand services such as digital custody and tokenized assets.
This development comes just as the Federal Reserve confirmed that it is actively exploring AI, tokenization, and smart contracts to upgrade its own payments infrastructure.
Ripple’s advantage in a changing market
Direct access to the Federal Reserve’s payment system gives Ripple a strategic advantage over competitors in the stablecoin and cross-border payments markets. XRP is designed as a fast and low-cost payment token, making it advantageous for institutions that want to move value instantly without relying on intermediaries.
With Ripple’s pending US banking license and alignment with ISO 20022 standards, XRP could play a key role in the modernization of international payments. This framework could also increase institutional trust, making XRP a viable tool for on-chain liquidity and real-time global transactions.
Evernorth’s NASDAQ listing and potential supply shock
Evernorth, a financial company specializing in XRP, has officially listed on NASDAQ. The company plans to purchase XRP directly from exchanges rather than through discounted over-the-counter trading. This means real market demand will increase across platforms such as Coinbase, Uphold, and Kraken.
AI prediction: XRP will be between $5 and $10 by late 2025
According to a prediction by China’s DeepSeek AI, XRP could soar over the next year. The model predicts a price range of $5 to $10 by the end of 2025, up from around $2.50 today.
Between the Federal Reserve’s move to include digital assets, the listing of XRP-related companies on major U.S. exchanges, and AI-driven market models predicting big gains, sentiment towards XRP appears to be growing.
