Ripple Eyes Fed Approval: Could XRP Skyrocket to $80 by 2032?

Ripple, a pioneer in blockchain payment solutions, might just be on the brink of a breakthrough that could send shockwaves through the crypto world. The company's potential approval for a Federal Reserve master account is more than just another milestone. It could be the launchpad for XRP's next big leap.

The Story: Ripple's Big Move

Let's cut through the noise. In March 2026, Kraken became the first crypto company to secure a master account with the Federal Reserve Bank of Kansas City. This isn't just a win for Kraken, it's a signal that the door might be opening for Ripple too.

If Ripple gets the nod, it means direct access to Fed settlement infrastructure. No more middlemen, no more banks acting as intermediaries. Ripple could process transactions on its own terms, which could be a major shift for XRP.

Market analyst Sam Daodu has been crunching the numbers. His report points to AI models widely agreeing that Fed access could boost XRP. But this isn't just speculation. There's a tangible path forward, given the precedent set by Kraken.

Analysis: What This Means for Crypto

So, what's the big deal? Here's the thing: Fed access isn't just a feather in Ripple's cap. It's a massive upgrade to its operational capabilities. And for XRP holders, this could translate to significant upside potential.

Daodu's insights suggest a rebirth for XRP if this goes through. Currently, XRP's sitting around $1.32, but models are eyeing $2.50 to $3.00 by August 2026. That's just under base conditions. If Ripple plays its cards right, $5 isn't out of the question.

Let's take a step back. Who benefits if XRP takes off? First, current holders would see their investments swell. Second, financial institutions tapping into Ripple's enhanced network could cut costs and improve efficiency. But what about the losers? Any banks currently profiting from their role as middlemen might find themselves sidelined.

Now, let's talk about the skeptics. Some models, like Claude's, are more reserved. They predict XRP will hover between $1.35 to $1.65 through 2026. Their caution isn't unfounded. Without sustained demand, any rise might fizzle out as quickly as it started.

Takeaway: A New Era or Just Hype?

Here's the takeaway: Ripple's quest for Fed approval is more than a headline, it's a potential catalyst for a major XRP rally. Vincent Van Code's AI model even maps out a wild trajectory. Picture this: XRP hitting $80 by 2032.

But let's not get carried away. These forecasts hinge on big assumptions, like ETF inflows breaking $10 billion and a massive uptake in banking adoption. The price alone won't carry XRP. It needs fundamental demand to back it up.

Is this all hype or a new era for Ripple? That's the million-dollar question. But if you're still on the sidelines, you might be missing the start of something huge. Solana doesn't wait for permission, and neither should you.