 
 
Ripple’s latest move has the financial world talking. The company’s application for a U.S. national banking charter entered public review, igniting debate over what it could mean for the future of blockchain-driven payments.
Industry watchers noted that Ripple’s name now appears in the Office of the Comptroller of the Currency (OCC) registry under “Ripple National Trust Bank.”
Analysts said this development could carry major implications—not only for the company, but also for XRP, the digital token that underpins Ripple’s global payment network.
Many in the sector viewed the step as a sign that blockchain technology was edging closer to mainstream finance. Others suggested it could mark a pivotal moment in the long-awaited convergence between digital assets and traditional banking oversight.
Ripple’s Banking Charter and What It Means
Ripple CEO Brad Garlinghouse announced the charter application in July 2025. The OCC later confirmed it was reviewing the filing.
 
If approved, Ripple would operate as a national trust bank, subject to direct federal supervision and granted the authority to provide custody and settlement services for both digital and traditional assets.
The OCC typically takes about 120 days to review such applications, suggesting an initial decision window around October 2025.
Federal oversight would place Ripple in the same regulatory framework as traditional financial institutions, improving trust among banks and asset managers that have so far hesitated to adopt blockchain-based solutions due to compliance concerns.
A charter could enable Ripple to hold RLUSD reserves directly at the Federal Reserve, providing transparency and strengthening its position in U.S. financial markets.
Together, these factors could reinforce XRP’s role as a bridge asset for cross-border payments and institutional liquidity.
The Case for XRP at $10
The prediction that XRP could climb to ten dollars rested on the belief that Ripple’s proposed banking charter would ignite institutional demand.
Analysts noted that limited supply, clearer regulation, and increased network use could all contribute to pushing prices higher.
They explained that XRP’s total supply was fixed, meaning scarcity could become a driving force if banks and corporations began using the token as a liquidity tool for international payments. Such adoption, they said, would likely create steady upward pressure on its value.
The potential charter, according to market experts, would also eliminate one of the biggest obstacles to large-scale participation—regulatory uncertainty. With official oversight in place, institutional players could finally engage with greater confidence.
In addition, wider use of Ripple’s payment network might generate powerful network effects, increasing both XRP’s utility and trading volumes.
While opinions varied on the likelihood of that scenario, most agreed that Ripple’s charter application represented a defining moment.