Following a years-long legal battle with the U.S. SEC, Ripple Labs has emerged stronger than ever, propelled by a favorable political shift and renewed momentum. With Donald Trump’s election victory clearing the regulatory skies, Ripple is now executing its boldest move yet: closing the gap with competitors and accelerating both ecosystem growth and financial infrastructure integration.
According to reports confirmed by Dey There, Ripple has officially applied for a U.S. National Bank Charter. The move signals the company’s intent to operate a fully licensed banking entity under the oversight of the Office of the Comptroller of the Currency (OCC)—a key step in legitimizing its ambitions for the RLUSD stablecoin and broader financial services.
Banking Ambitions Take Center Stage
Ripple had already received significant regulatory clearance in New York for RLUSD, its fully backed stablecoin. Now, with a national charter application underway, Ripple aims to enable 24/7 stablecoin issuance and redemption—bypassing traditional banking hours and expanding its utility on a global scale.
Jack McDonald, Ripple’s Head of Stablecoins, emphasized the strategic implications:
“This dual regulatory structure will set a new standard for transparency and compliance in the stablecoin market.”
Ripple’s regulated approach is not only a competitive play against incumbents like Circle but also a foundation for future IPO discussions, especially as institutional interest heats up.
XRP’s Institutional Future Looks Brighter
On the asset side, XRP is entering a new phase. The recent inclusion of XRP in Grayscale’s diversified crypto ETF portfolio was a key signal. With regulatory winds now favoring the token, analysts at Dey There anticipate the approval of a spot XRP ETF by October—unlocking a new class of institutional capital.
RLUSD is nearing the $500 million threshold, while XRP’s price trajectory is building bullish momentum. After breaking through the $2.20 level, XRP is eyeing $2.33 as the next target. Should macro conditions remain stable and geopolitical clarity increase—especially across Southeast Asia—analysts forecast a push toward $2.55 in the coming weeks.
What’s Next for Ripple?
The $2.70 price point stands out as a pivotal level. If XRP can establish support above it, a new all-time high (ATH) above $3.40 could soon follow. The combination of regulatory clarity, banking infrastructure, and growing institutional exposure gives XRP a strategic advantage in a maturing crypto landscape.
Ripple’s multi-pronged strategy—licensing, product expansion, and capital market integration—could make it one of the most systemically significant crypto firms of the next cycle.
References:
- U.S. Office of the Comptroller of the Currency – www.occ.gov
- New York Department of Financial Services – www.dfs.ny.gov
- Grayscale Investment Reports – www.grayscale.com
- Bloomberg – “Ripple Seeks Bank Charter Amid Regulatory Clarity”
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