XRP is on the brink of a potential surge to a new all-time high of $3.90, according to a German analyst. This optimistic outlook is fueled by the possibility of XRP gaining access to a Federal Reserve Master Account and the introduction of XRP-focused exchange-traded funds (ETFs). These developments could significantly enhance XRP's integration into the U.S. financial system, particularly in facilitating faster cross-border payments. Further bolstering XRP's prospects is the CLARITY Act in Washington, which aims to reduce regulatory uncertainty and boost institutional confidence. Additionally, Ripple's RLUSD stablecoin is expected to enhance XRP's utility. Currently trading at $3.08, XRP is gaining momentum, with traders closely watching for a breakout above $3.40. The combination of regulatory clarity, institutional adoption, and innovation positions XRP for potential growth.