On December 10, US national banks got official clearance from the US Office of the Comptroller of the Currency to handle crypto transactions as riskless principals. This regulatory update changes everything about how mainstream finance works with digital assets.
With this explosive news, the XRP price prediction for 2026 just got a lot more interesting. When traditional banks start processing crypto for their customers, Ripple’s payment network becomes the obvious infrastructure choice.
With banks bringing millions of new users into crypto, having these tools becomes the difference between winning and losing. Analysts are calling this the 100x opportunity for 2026.
Banks get the green light to handle crypto trading
The Office of the Comptroller of the Currency dropped an interpretive letter on December 10 that confirms national banks can facilitate crypto trades without keeping digital assets on their books. They can match buyers with sellers, take a cut, and stay completely compliant with federal banking law.
The OCC made it clear that helping customers trade crypto falls under normal banking activities according to 12 U.S.C. § 24. Banks just need to monitor risks, stay compliant, and follow their usual procedures. The regulatory uncertainty is gone.
For anyone watching XRP price drivers, this is huge. Ripple built their entire business around making cross-border payments faster and cheaper for banks. When US banks can legally process crypto, XRP becomes the logical infrastructure layer. The XRP market forecast depends heavily on how fast banks actually implement these services, but the green light is official now.
Here is how this may affect the XRP price prediction and the other two top coins to buy this December.
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XRP price prediction for 2025-2026
Back in 2024, people kept saying XRP would never reach $2 and that holding it was crazy. But by July 2025, it shot up from $0.50 to $3.65, giving a 7x gain and silencing all the doubters.
Looking ahead to 2026, XRP’s price prediction looks promising. Ripple has built a payment network designed to help banks move money across borders faster and cheaper. Now, with the OCC giving these banks legal approval to handle crypto transactions, everything is falling into place for XRP’s growth.
Conservative XRP technical analysis suggests a move back above $2.50 could trigger a run toward $3 to $3.50 in the first half of 2026. It is not going to 100x from here. But it could double or triple if banking adoption speeds up.
Rain Coin (RAIN) update for 2026
RAIN currently trades around $0.007 on Dec 10 , after running up to its ATH of about $0.008 on Nov 24. The pump started when the news broke that Enlivex Therapeutics, a Nasdaq-listed biotech company, is investing $212 million in Rain, which instantly pushed the token into the spotlight.
On top of that, RAIN broke through key resistance levels and popped out of a tight trading range, the kind of setup traders love to jump on. The community is feeling very bullish, with 91% optimistic and only 9% pessimistic about RAIN.
If the momentum continues and more people buy, the price could reach $0.008 to $0.010. A strong breakout past its all-time high could even push it toward $0.020.
Conclusion
The OCC ruling changes the game. US banks can now handle crypto transactions legally. That removes the biggest barrier to mainstream adoption. The XRP price prediction looks stronger because Ripple’s infrastructure fits perfectly with what banks need. The XRP price drivers now include real banking integration, not just speculation about future partnerships.
Frequently asked questions
What are the main XRP price drivers right now?
XRP is getting a pump from more banks using Ripple, clearer US regulations, and growing demand for fast cross-border payments.
What does the XRP technical analysis say?
Right now, XRP is holding around $2.00 and facing resistance near $2.15. If it breaks through, it could climb to $2.60 to $4.00.
What is the XRP market forecast for 2026?
If banks keep adopting Ripple and regulations improve, XRP could reach $5.00 or even higher.
