A quiet regulatory decision could change the future of digital finance. The cryptocurrency industry is watching closely as Ripple’s long-awaited application for a U.S. national trust bank charter reaches its final review day. This move could redefine Ripple’s place in both the traditional banking system and the blockchain economy.
The Race Toward a National Trust Bank Charter
Ripple submitted its national trust bank application to the U.S. Office of the Comptroller of the Currency (OCC) earlier this year. The application entered a standard 120-day review period.
This review evaluates Ripple’s capital adequacy, corporate governance, compliance structure, and risk management systems. If approved, the charter would authorize Ripple to operate as a federally regulated financial institution under U.S. law.
What Approval Would Mean for Ripple and XRP
Approval would mark a historic milestone for Ripple. It would officially make the company a U.S. national bank, subject to federal oversight and regulation. This status would allow Ripple to provide custody, settlement, and payment services through a fully integrated banking framework.
🚨 @Ripple can make history.
The official deadline for the Ripple National Trust Bank application is today.If approved, Ripple becomes a U.S. national bank,fully regulated, fully integrated.
But… with the government shutdown, who knows what happens next 😏$XRP $Ripple… pic.twitter.com/NtsgR5GSu4
— Arthur (@XrpArthur) October 30, 2025
Such recognition would also enhance Ripple’s credibility in the global financial ecosystem. It could streamline cross-border payment operations and support the integration of RLUSD, Ripple’s stablecoin launched in late 2024. While the approval would not directly change XRP’s classification, it could increase institutional interest and adoption.
The Deadline and Looming Uncertainty
According to blockchain researcher Arthur, who highlighted the situation on X, today marks the official deadline for the OCC’s decision. However, uncertainty surrounds the outcome. A government shutdown could delay or complicate the agency’s final approval process.
Even routine administrative functions, such as regulatory reviews, often slow down during shutdown periods.
This means Ripple might not receive an immediate response. The OCC could approve, deny, or extend the review window if additional information is required.
We are on X, follow us to connect with us :- @TimesTabloid1
— TimesTabloid (@TimesTabloid1) June 15, 2025
Market Implications for XRP Holders
A successful approval would likely reinforce market confidence in Ripple’s long-term vision. Investors could interpret it as validation of Ripple’s compliance framework and regulatory strength. Exchanges and institutional partners might also view XRP as a more secure and credible asset.
On the other hand, a delayed or denied application could temporarily impact XRP’s market sentiment. Traders and analysts are closely monitoring official communications from both Ripple and the OCC for the next development.
Political and Institutional Context
The timing of this decision coincides with a politically sensitive period in Washington. The government shutdown has slowed administrative operations across several agencies. Although the OCC can continue limited functions, full-scale approvals during a shutdown are rare. This adds another layer of uncertainty to Ripple’s case.
What Comes Next
Observers expect the OCC to release a public notice if a decision is made. Ripple executives may also issue statements confirming the outcome. Market participants are watching Ripple’s regulatory filings, OCC updates, and potential new partnerships for signs of approval.
Whether history is made today depends on one regulator’s decision. For Ripple, the outcome could cement its place in U.S. banking or extend its long regulatory journey. Either way, today’s deadline represents one of the most pivotal moments in the company’s history.
Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.
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