Ripple Gains Conditional OCC Approval to Launch National Trust Bank for $RLUSD

• Ripple secures conditional OCC approval, advancing $RLUSD under federal banking supervision
• National trust bank plans may strengthen institutional adoption of Ripple stablecoin
• Charter approval expectations fuel renewed market attention toward XRP price outlook

Ripple has taken a significant regulatory step that brings its stablecoin operations closer to the U.S. banking system, signaling a shift toward stronger federal oversight and compliance-driven growth. According to Brad Garlinghouse, Ripple has received conditional approval from the U.S. Office of the Comptroller of the Currency (OCC) to move forward with plans to establish Ripple National Trust Bank.

If fully approved, the bank would operate under direct federal supervision while also remaining subject to oversight by the New York Department of Financial Services.

This structure places Ripple firmly within established U.S. banking regulatory frameworks and is intended to support the issuance and management of its stablecoin, $RLUSD. Federal supervision would enhance transparency around reserves, governance, and operational controls, while requiring ongoing examinations and reporting similar to traditional financial institutions.

Garlinghouse emphasized that Ripple chose this path to counter claims that crypto firms avoid regulation. Although approval remains conditional, the move could strengthen institutional confidence in $RLUSD and reduce risks related to custody and reserve management.

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How Ripple’s Bank Charter Could Push XRP to $10

Ripple plans to operate as a de novo national trust bank, according to CEO Brad Garlinghouse, a move that could significantly expand the company’s role within the U.S. financial system. If approved, this status would allow Ripple to access core payment infrastructure such as Fedwire and FedNow, potentially enabling deeper integration of XRP into traditional banking operations and real-time settlement processes.

The Office of the Comptroller of the Currency (OCC) is expected to review the application over a standard 30- to 90-day period, during which stakeholders can submit public feedback. This regulatory step follows established procedures and comes after Ripple’s partial victory in its lawsuit with the SEC, which reduced regulatory uncertainty surrounding XRP.

Clearer rules often improve institutional confidence, and analysts suggest approval could influence XRP’s valuation outlook. Some projections place XRP between $7 and $10, while others anticipate higher levels if additional conditions align.

Also Read: Cardano Faces Death Cross as Market Shows Uncertainty

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