Ripple National Trust Bank License Approval Imminent

Ripple, a leading blockchain payment company, is on the cusp of securing a U.S. National Bank license, pending approval this Friday. The development would mark a significant milestone in the company's evolution from a cryptocurrency payments provider to a financial infrastructure participant within the U.S. Banking System.

The Office of the Comptroller of the Currency granted Ripple's national trust bank charter conditional approval in December 2025. This preliminary approval indicates that federal regulators are open to considering such licenses with enhanced supervision.

Achieving a federal banking status would unlock XRP's potential as a bridge currency for on-demand liquidity, enabling cross-border payments near instantaneously. The integration of Ripple's technology into traditional financial systems could simplify compliance and eliminate intermediaries, allowing banks, fintechs, and corporate treasuries to leverage XRP in facilitating scalable, cross-border payments.

The stakes are high for XRP as it transitions from speculative to institutional use. With a regulated bank license, Ripple could offer custody, settlement, and payment services of digital and traditional assets, including its stablecoin RLUSD.