Morgan Stanley has taken a major step toward expanding its crypto services by applying for a National Trust Bank Charter. This charter would allow the bank to custody Bitcoin and other digital assets under federal oversight.
The move positions Morgan Stanley to integrate digital assets more directly into its banking operations, signaling growing institutional acceptance of cryptocurrencies like XRP.
Morgan Stanley’s XRP Research
Crypto researcher SMQKE (@SMQKEDQG) highlighted the significance of this development, pointing to Morgan Stanley’s existing research on Ripple and XRP. In his post on X, SMQKE emphasized two key points from Morgan Stanley’s analysis.
First, the bank recognizes XRP as “a leading international payment alternative to SWIFT.” Second, Morgan Stanley documents note that XRP’s system is “more efficient than Bitcoin and is closer to what traditional banks do today.” These statements show a deep institutional understanding of XRP’s operational design and potential role in banking infrastructure.
“Morgan Stanley considers Ripple to be a leading international payment alternative to SWIFT.”✅
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Morgan Stanley Document: “XRP’s system is MORE EFFICIENT THAN BITCOIN and is CLOSER TO WHAT TRADITIONAL BANKS DO TODAY.”✅
Morgan Stanley is aware of the bigger picture.🎯
👇 https://t.co/DK6asnwXLE pic.twitter.com/2zHbQEclnT
— SMQKE (@SMQKEDQG) February 28, 2026
XRP’s Efficiency Compared to Other Cryptocurrencies
Morgan Stanley’s research has long detailed XRP’s efficiency compared to traditional cryptocurrencies. While energy intensity data is limited, the bank observed that XRP’s consensus protocol is much faster than Bitcoin’s proof-of-work system, taking 3-5 seconds per transaction compared to 10 minutes for Bitcoin.
The analysis also notes that Ripple’s system is a centralized intermediary to check transactions, making it closer to traditional banking processes. This structure allows for rapid settlements while maintaining security, a combination that traditional institutions find appealing.
Ripple’s Impact on Payment Processing
The bank also emphasized Ripple’s broader impact on payment processing. According to prior research, adopting a Ripple-like payment system could “shorten settlement periods, speed up transactions and reduce the risk of fraud.”
Morgan Stanley considers Ripple to be a strong alternative to SWIFT, capable of streamlining international transfers and reducing operational inefficiencies. The findings indicate that Ripple’s ledger technology can enhance both speed and reliability in cross-border payments.
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Custody Potential and Institutional Integration
The potential for Morgan Stanley to custody XRP and other digital assets is significant. It suggests that the bank could integrate XRP more directly into its internal operations, offering clients faster and more efficient transaction options.
The charter would allow Morgan Stanley to leverage its institutional trust while providing secure access to crypto liquidity. This step mirrors Ripple’s approach with its own banking charter, creating parallel paths for regulated adoption of digital assets within established financial frameworks.
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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