As US lawmakers continue to work on the Clarity Act, the debate over whether Ripple should sell its XRP holdings is gaining momentum.
Remarkably, most market watchers think: Ripple may need to reduce XRP holdings This is because the bill establishes strict rules that prohibit anyone involved in a cryptocurrency project from owning more than 20% of the total token supply before the asset is recognized as a commodity.
Will Ripple sell its XRP holdings?
Notably, with over 34 billion XRP tokens in escrow alone, Ripple still controls over 30% of all XRP. As a result, community commentators predict the company will face major decisions if the bill moves forward.
One such commentator is Brad Kimes of Digital Perspectives. he claimed Ripple said it would need to reduce its stake to below 20% to meet the bill’s requirements.
Interestingly, Kims presented the possibility This means Ripple could give some of its XRP to the US government or White House without receiving anything in return. Notably, such a move could help Ripple successfully meet the threshold. using traditional sale or distribution method.
Meanwhile, Kimes claimed in a subsequent disclosure that this problem could completely disappear once Ripple is introduced. become bank. Essentially, he believes that establishing a national bank will put Ripple under a different rulebook. you might be able to delete something You need to reduce your XRP holdings.
If Ripple obtains a national bank charter license, the need to reduce its XRP holdings may not be an issue after Ripple becomes a bank. 😎 https://t.co/Wkj5cFe19T
— Digital Perspectives (@DigPerspectives) December 11, 2025
However, it is important to note that this idea remains speculation and is largely unconfirmed. Regulators have not indicated that There is A bank would do that remove 20% maximum retention threshold from every being.
Ripple banking license push
By the way, Ripple in July 2025 Sent Formal application to the Office of the Comptroller of the Currency create ripple national trust bank as brand new National Trust Bank. At the same time, the company requested a master account from the Fed with direct access to Fedwire and FedNow payment systems.
Ripple aims to leverage this setup to support RLUSD issuance and redemption 24/7 while holding reserves directly at the Federal Reserve. This will eliminate the need for external custodians and strengthen cross-border payment operations. As of this writing, the OCC has not approved or denied the application, and review continues.
XRP price if Ripple receives bank approval
especially, On top of that of Possible exemption proposed by Kimes, this Banking regulations can also affect XRP price fluctuations. However, the scope of such an impact remains largely unknown, so we asked Google Gemini to assess it.
According to Gemini, winning National Trust Bank approval, along with direct access from the Fed, would be one of the strongest signs of institutional acceptance for a crypto project to date.
The AI chatbot said: XRP could reach $50 The situation is extremely bullish. The company believes this leap forward will come from several forces working together. Gemini said major financial institutions could adopt XRP soon if regulators resolve the uncertainty that has deterred many companies.
XRP price prediction | Google Gemini
He also said Ripple’s on-demand liquidity system could begin to replace some of the global Nostro and Vostro account structures. Due to the relationship between ODL and XRP, Gemini expects demand to increase rapidly.
This kind of sudden demand could tighten available liquidity and force the market to reprice, the company said. XRP In line with the scale of international payment flows. The chatbot added that such a major regulatory breakthrough would likely spark a wave of enthusiasm from both large investors and retail traders, driving XRP further higher in the short term.
