Ripple National Trust Bank Approval: What XRP Investors Must Know This October 2025

Andrew Chen
XRP

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  • Ripple filed for a federally regulated trust bank, with the OCC review running through late October 2025.
  • Approval could boost XRP adoption, market confidence, and stablecoin RLUSD integration.
  • Regulatory pushback highlights the tension between fintech innovation and traditional banking.

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October 2025 could mark a turning point for Ripple and its XRP ecosystem as the company edges closer to a potential regulatory milestone: the approval of Ripple National Trust Bank by the U.S. Office of the Comptroller of the Currency (OCC). This development, largely under the radar until recently, signals a possible shift in how digital assets integrate with traditional banking.

The Discovery That Sparked Anticipation

Crypto influencer JackTheRippler recently shared images of official OCC certification pages dated June 30, 2025, signed by Stuart Alderoty and Timothy Keaney. These documents confirm Ripple’s formal application to establish a federally regulated national trust bank, aligning with the OCC’s public filings.

The creation of Ripple National Trust Bank, N.A. represents more than just a regulatory checkbox. It is a strategic move designed to house XRP, stablecoin RLUSD, and other digital asset operations within a compliant banking framework. For Ripple, this could be a critical step toward embedding digital finance within traditional U.S. banking infrastructure.

Understanding the 120-Day Review Window

OCC procedures require a 120-day review period after a complete filing is submitted. With the June 30 signatures, this clock runs through late October 2025, giving the XRP community a clear timeline for potential regulatory news. While some see this as a de facto approval deadline, experts note that the OCC can extend its review or request additional documentation. Nonetheless, this period provides a benchmark, increasing anticipation around Ripple’s next move.

Potential Impact on Ripple and XRP

Approval of a federally chartered trust bank could be transformative. Ripple would gain the ability to offer custody, fiduciary, and settlement services under direct federal oversight. For XRP, this could mean stronger market confidence, expanded institutional adoption, and a compliant pathway for large-scale asset tokenization and cross-border settlements. RLUSD, Ripple’s stablecoin, could also benefit from easier integration into the global payments system, reinforcing Ripple’s long-term regulatory and financial ambitions.

Also Read: Ripple $55M XRP Transfer Explained: Internal Move Sparks Market Buzz

Despite the promise, Ripple’s application faces opposition from groups like the ICBA and NCRC, citing concerns over consumer protection and potential market dominance. These objections highlight the tension between fintech innovators and traditional banking institutions, framing Ripple’s journey as part of a broader regulatory debate.

As October draws to a close, the crypto community watches closely. Whether the OCC grants the charter, requests more information, or delays its decision, Ripple’s push for a federally regulated trust bank represents one of the most significant moments in its history, potentially bridging the gap between blockchain and conventional finance.

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Disclaimer: The information in this article is for general purposes only and does not constitute financial advice. The author’s views are personal and may not reflect the views of Chain Affairs. Before making any investment decisions, you should always conduct your own research. Chain Affairs is not responsible for any financial losses.

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