Massive XRP Price Adjustment Underway

Prominent cryptocurrency commentator Digital Asset Investor (@digitalassetbuy) has shared a bold outlook, arguing that a major XRP repricing event is on the horizon and describing the current market setup as the most bullish in XRP’s history.

His remarks came in response to Ripple securing final approval from the Office of the Comptroller of the Currency to launch Ripple National Trust Bank. He stated that there have “never been even bordering on as many positive developments that will affect XRP’s price.”

The Prediction Behind the Conviction

Digital Asset Investor was reacting to statements from fellow commentator Crypto Bitlord, who called XRP “insanely undervalued” at $1.30 and forecast “a huge repricing event.”

Crypto Bitlord based his thesis on recent price behavior, noting that XRP has remained exceptionally steady and calm. He advised investors to review the 2017 price history to understand how rapidly market conditions can pivot.

While acknowledging Crypto Bitlord’s history of inconsistency, Digital Asset Investor backed the analysis completely. “Today, he’s right,” he noted, drawing on personal experience by adding, “I was there in 2017, 2018. Things change very fast in this.”

HUGE XRP Repricing Event pic.twitter.com/GH6xstikiM

— Digital Asset Investor (@digitalassetbuy) October 27, 2026

What the Bank Charter Means for XRP

Operating under federal supervision, Ripple National Trust Bank is authorized by the OCC charter to manage the reserves backing its stablecoin, RLUSD, and to deliver digital asset custody services to institutional clients.

This development establishes Ripple as one of the few crypto-native entities equipped with a federally chartered banking structure in the United States. Consequently, institutions that previously stayed away from Ripple due to regulatory ambiguity now have a clear, supervised entry point into the ecosystem.

Why XRP Benefits Directly

RLUSD operates directly on the XRP Ledger and serves as collateral within Ripple Prime, the company’s brokerage platform. As adoption and usage of RLUSD expand, transaction volume on the XRP Ledger increases proportionally, with XRP serving as the native asset of that ledger. Furthermore, federal oversight of RLUSD reserves provides institutional credibility that encourages scaled adoption.

This bank charter is part of a broader wave of momentum; RLUSD’s market value has more than doubled since the beginning of 2026 to reach $2.6 billion, alongside widespread adoption of Ripple’s payment infrastructure by international financial institutions.

A Convergence Analysts Are Watching

Concluding his video message with strong conviction, Digital Asset Investor emphasized that the repricing is coming and is only a matter of time, pointing to the simultaneous convergence of regulatory milestones, institutional partnerships, and stablecoin expansion.

Market analysts evaluating XRP at $1.30 are calling it a significant discount, a perspective now supported by tangible regulatory action through the new bank charter.

Frequently Asked Questions

What sparked the recent predictions of an XRP repricing event?

The predictions were prompted by Ripple receiving final approval from the Office of the Comptroller of the Currency (OCC) to launch Ripple National Trust Bank, along with observations about XRP’s current market stability and valuation.

What authority does the Ripple National Trust Bank charter provide?

The federal OCC charter authorizes Ripple to manage the reserves backing its RLUSD stablecoin and to provide institutional digital asset custody services under federal supervision.

How does RLUSD benefit the XRP Ledger?

RLUSD operates on the XRP Ledger and acts as collateral inside Ripple Prime. As RLUSD usage grows, it drives transaction volume on the ledger where XRP serves as the native asset.

What is the current valuation and market status of RLUSD?

RLUSD’s market value has more than doubled since the start of 2026, reaching $2.6 billion.