Best Crypto to Buy Now? XRP Price Prediction As Ripple Moves Into Banking with FCC Filing

All eyes are on XRP right now after the recent filing of Ripple’s banking application to the FCC. Considering this has happened just after Ripple’s decision to p112ut an end to its standoff with the SEC, hopes have risen that XRP could make a comeback, perhaps even cross its $3 resistance in the coming days.

This has given weight to the view that XRP could topple Ethereum in terms of market capitalization. Does it mean XRP is the best crypto to buy now, or does it merely hint at the arrival of investor opportunities with a variety of assets to pick from?

Ripple Applying for National Bank Charter from the OCC – Brad Garlinghouse

The announcement about Ripple’s banking application was made by Brad Garlinghouse, who, on X, posted the news stating that this approach could put more federal oversight on Ripple, which could bolster its trust factor, transforming it into the bridge to connect traditional and decentralized financial institutions.

However, that’s not all, as the company has also filed for a Fed Master Account via Standard Custody. This could help Ripple to hold $RLUSD (Ripple Stablecoin) directly from the Fed and gain an additional layer of security.

True to our long-standing compliance roots, @Ripple is applying for a national bank charter from the OCC. If approved, we would have both state (via NYDFS) and federal oversight, a new (and unique!) benchmark for trust in the stablecoin market.Earlier in the week via… https://t.co/IdiR7x3eWZ

— Brad Garlinghouse (@bgarlinghouse) July 2, 2025

Just as expected, community reactions to the news have been positive. Some have said this is a materialization of a dream consisting of Ripple becoming a bank, which clears the way for XRP to reach $100. However, others have asked how XRP will fit into the banking license.

Impact of the News on the XRP Price

While investors were expecting the news to have a major impact on the XRP price, that, unfortunately, wasn’t the case. The DeFi token’s value is still consolidating around the $2.2 level, and whatever green candles it was able to print were corrected the next day.

That said, a macro-analysis of the price chart shows that the XRP price has been following an ascending channel ever since it dropped to the $1.9 level on June 22, and there have been no signs of the price action stopping. Furthermore, since the US government has been very progressive about crypto, chances are high that Ripple’s application could be approved.

That could help with streamlining crypto into the traditional financial space, giving XRP much-needed long-term upside. It is also possible for the crypto to reach $3 in the coming days.

Does it mean XRP is the best crypto to buy now? The answer to this could arguably be yes. However, until the DeFi crypto crosses the $2.6 mark to retest the $3 level, investors should stay cautious, since it will only take one long red candle to change the course of the XRP price action.

Best Crypto to Buy Now – Smart Investor Picks During the Current Ecosystem

BTC Bull

Ripple’s growth would consolidate the market’s belief that the altcoin season has indeed arrived. However, that does not mean Bitcoin would lose any of its shine, as despite all the news about Ripple’s legal qualms, the apex crypto continues to be the major driver of the cryptocurrency market.

BTC Bull is a project that taps into that particular market, offering users a standard meme coin experience with a robust touch. While no long-term use cases have been mentioned by the official website, the project has continued to delight customers thanks to its social media posts as well as unique mechanics.

The project has tied its token burns and Bitcoin airdrop model with Bitcoin’s growth, which is a subtle way to grow alongside the apex crypto. While this move could be seen as a gimmick by many, the fact that the project has managed to raise upwards of $8 million already means there could be more to the project than meets the eye.

The token is launching soon, with an application to CoinGecko already filed. Furthermore, there are many analysts already bullish about the launch, stating that BTC Bull could achieve a 1000% growth after going live on the price charts.

Snorter

Another crypto that could be considered one of the top offerings among crypto pre-sales is Snorter. Snorter is a meme coin powering an automated crypto trading bot that lets investors find and trade top-performing Solana cryptos.

What further elevates the appeal of Snorter is the fact that it is accessible via Telegram. Being one of the leading messaging apps for crypto gives it access to a range of unique attributes. Not only is the platform easy to use, but the automated sniping tool is also equipped with all kinds of security features.

In addition to the perks that come with the bot, Snorter is also very up to the mark when it comes to highlighting its memes. The main animal chosen to highlight this project, an aardvark, has been used to draw an equivalence between an aardvark’s snout that it uses to fetch and Snorter’s approach to sniffing the best cryptocurrency investment projects.

While Snorter’s connection to XRP isn’t direct, the fact that XRP has the potential to become the biggest altcoin ultimately means unique projects with niche perks could gain community attention quickly.

Bitcoin Hyper

Bitcoin Hyper is a cryptocurrency project whose core idea is to inject utility into the Bitcoin network, and it aims to accomplish this using Bitcoin’s first L2 scaling solution.

The tech-related documents of the project show that developers are hard at work, trying to make it a reality. Three technologies have been implemented for this purpose: L2 scaling solution, Solana Virtual Machine, and a Canonical Bridge.

The L2 scaling solution will reportedly help the Bitcoin network’s transaction mechanics through off-chain aid. With the Solana Virtual Machine, developers are hoping for more DeFi applications to be built on the Bitcoin network, and with a Canonical Bridge, communications will be established between Bitcoin Hyper and Bitcoin.

It is the project’s simple premise that has allowed it to gain so much momentum, and in presale it has raised close to $2 million already. So, for XRP fans looking for an offbeat crypto with a strong focus on utility, Bitcoin Hyper could be a good investment.

Conclusion

Ripple’s entry into the banking sector could lead to a major shift in the world of crypto. It could signal crypto to become more mainstream, leading to increased participation. Tokens that are still available on presale could take advantage of this situation, surging upon launch. Therefore, this “best crypto to buy now list” focuses on cryptocurrency ICOs.

Each ICO has its own unique attribute, giving traders the opportunity to diversify their investments. And as crypto goes mainstream, these picks could yield massive gains, both in the short and the long term.

Disclaimer: This is a sponsored article and is for informational purposes only. It does not reflect the views of Crypto Daily, nor is it intended to be used as legal, tax, investment, or financial advice.