Ripple is set to play a pivotal role in upcoming U.S. regulatory discussions as CEO Brad Garlinghouse prepares to testify at a U.S. Senate Banking Committee hearing on July 9, 2025. The hearing will focus on Crypto Market Structure, potentially shaping future regulatory frameworks. This development is seen as a positive indicator for XRP and the broader cryptocurrency market. In a bold strategic move, Ripple is also pursuing a U.S. banking charter and a Federal Reserve master account. If successful, Ripple could become the first crypto-native bank, offering FDIC-insured deposits and lending services with XRP as collateral. These initiatives underscore Ripple's ambition to transform traditional banking and enhance global cross-border payments.