XRP is being integrated into the U.S. banking system, largely unnoticed by retail traders. U.S. banks are adopting XRP following guidance from the Office of the Comptroller of the Currency (OCC), Ripple's pursuit of a bank charter, and support for the ISO 20022 standard. These developments position XRP as a potential settlement layer, with institutional infrastructure expanding. Market analysts suggest that price movements may follow as trading volumes increase.