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Why one banking systems engineer thinks XRP price could hit $300 after clarity act passes. The post why one banking systems engineer thinks XRP price could hit $300 after clarity act passes appeared first on coinpedia fintech news. Banking systems engineer CharuSan has outlined a case for XRP reaching $300 that rests not on speculation but on how banking infrastructure actually works at scale. The argument challenges a widely held assumption. Most XRP price forecasts model adoption as a slow process where Ripple signs individual contracts with thousands of banks one by one. CharuSan says that misunderstands how modern banking software is deployed. Ripple has already partnered with major financial infrastructure providers including Volante, ACI Worldwide, and Finastra. These companies do not serve one bank at a time. They serve thousands of banks simultaneously through centralised cloud systems. A single software update from any one of these providers can make XRP liquidity available to every bank connected to their network overnight. "Ripple does not need to sign individual contracts with 13,000 banks," CharuSan wrote. "The moment they plug into the central cloud, all banks connected to the system become capable of using XRP liquidity." The price logic. On valuation, CharuSan made a structural argument rather than a speculative one. If XRP remains at $10 to $20, the total liquidity pool it can provide is too small to handle the volume of global cross-border payments that banks process daily. He compared it to trying to move ocean water through a small straw. As adoption scales and transaction demand increases, a higher token price is not just a side effect. It is a requirement. Larger payment flows need deeper liquidity pools, and deeper liquidity pools require a higher token price to function efficiently. The counterargument. Critics say that $300 would place XRP's market cap in territory that would require extraordinary capital inflows. Most long-term price models top out between $30 and $100.

XRP news: Ripple Prime raises $200 million from Neuberger to scale institutional crypto lending. The post XRP news: Ripple Prime raises $200 million from Neuberger to scale institutional crypto lending appeared first on coinpedia fintech news. Ripple has closed a $200 million debt facility from Neuberger Specialty Finance, the asset-based lending arm of global investment manager Neuberger. The capital will expand the lending and margin financing capacity of Ripple Prime, Ripple's institutional prime brokerage platform. The deal was announced Monday May 11, making it one of the largest debt facilities raised by a crypto-native prime brokerage platform in 2026. Why Ripple Prime needed this. Ripple acquired the prime brokerage platform in 2025. Since the acquisition, Ripple Prime has tripled its revenue year over year as institutional demand for margin financing across both traditional and digital markets accelerated faster than the platform's existing balance sheet could support. The $200 million facility solves that constraint directly. Ripple Prime can now draw up to the full amount as client demand requires, extending financing to institutions operating across crypto and traditional markets from a single counterparty. What makes this deal different. Most crypto lending facilities in 2026 have been structured around purely digital asset collateral. This deal is different. Neuberger Specialty Finance, which manages asset-based lending strategies across traditional markets, backed Ripple Prime specifically because the platform bridges both worlds simultaneously. That positioning, serving institutional clients who need prime services across crypto and traditional finance rather than one or the other, is what attracted a firm of Neuberger's size and profile to the deal. Neuberger Private Markets manages over $155 billion in investor commitments globally across 17 offices. The revenue story behind the raise. Ripple Prime tripling revenue year over year since its 2025 acquisition is the data point that makes this facility credible rather than speculative. The growth came from institutional clients increasing activity across both traditional and digital markets and seeking reliable counterparties with consistent access to capital at scale. The $200 million raise is not a bet on future growth. It is a response to demand the platform is already experiencing. What comes next. The facility expands Ripple Prime's ability to onboard new institutional relationships and deepen financing capacity for existing clients. It positions the platform to compete directly with established prime brokers for mandates that require cross-market capability, something most traditional prime brokers and most crypto-native platforms cannot yet offer from a single desk. For Ripple broadly, the deal adds another institutional infrastructure layer alongside its payments, custody, and stablecoin businesses, reinforcing its positioning as a full-service operator across the financial system rather than a single-product company.

XRP holders may be in for the best decade in its history. Ripple's XRP token had a few rough years after the SEC filed a lawsuit against the fintech company for allegedly selling unregistered securities. XRP struggled to gain momentum even during the 2021 bull market, while most other asset were climbing to new all-time highs. XRP turned bullish only by the end of 2024 when the lawsuit was nearing its close. The SEC vs. Ripple case finally reached a settlement in 2025, leading to XRP hitting a new all-time high of $3.65 in July of last year. Let's discuss why XRP holders may be entering the best decade of the asset's history. Merchant Services & Payment Systems Why XRP holders may be entering the best decade of the asset's history. XRP also saw the launch of several ETFs in 2025. ETFs have become a key price driver for crypto assets. Both Bitcoin (BTC) and Ethereum (ETH) hit new all-time highs in 2025 thanks to increased ETF inflows. A similar pattern could emerge for XRP ETFs as well once The Bit Times exit the current bear market. Ripple has also ventured into the stablecoin arena with the launch of the RLUSD US dollar-pegged coin. Moreover, Ripple's blockchain infrastructure has also seen incredible adoption over the last few years. Adoption is another key driver that helps boost investor sentiment. XRP could greatly benefit from Ripple's adoption curve. The US has also made substantial inroads in pro-crypto legislation. More regulatory clarity may also help investors pour more money into the crypto sector. Telegaon analysts are quite bullish on XRP's performance over the next decade. The platform anticipates the asset to trade at a potential maximum price of $40.29 in 2035. Going by Telegaon's Analysis, XRP could trade at around $40-$45 in early 2036. Hitting $45 from current price levels will entail a rally of about 3258.21%. Blockchain Technology Updates There is also a possibility that XRP will go far beyond what Telegaon has predicted. The crypto market is expected to grow at an unprecedented rate over the coming years. The Bit Times could see XRP playing a much larger role in the near future.