Ripple has taken another massive step, as it has received approval to form Ripple National Trust Bank. The conditional approval from the Office of the Comptroller of the Currency (OCC) places Ripple in a new category within the U.S. financial system. The move raises expectations about what comes next for the company, its stablecoin framework, and XRP.
Excitement for Ripple’s Next Steps
Stern Drew (@SternDrewCrypto) highlighted this development, sharing a screenshot of the announcement by Ripple CEO Brad Garlinghouse. The early reaction from industry voices shows the significance of this shift.
Stern Drew noted that the OCC decision locks Ripple into federal and New York State oversight, which strengthens the company’s regulatory position. His post says that RLUSD, Ripple’s stablecoin, now holds a higher compliance standard. He also stated that the approval places XRP inside the core of the U.S. financial system.
🚨RIPPLE JUST BROKE THE SYSTEM
OCC grants conditional approval for Ripple National Trust Bank.
✅ Federal and NYDFS oversight locked in.
✅ RLUSD becomes the gold standard for compliant stablecoins.
✅ XRP steps straight into the heart of the U.S. financial system. pic.twitter.com/jDiTaiDUR6— Stern Drew (@SternDrewCrypto) December 12, 2025
Ripple CEO Calls Out Critics
In his post, Garlinghouse wrote that Ripple received conditional approval from the OCC and called it “a massive step forward.” He highlighted RLUSD’s high standard of compliance, adding to the stablecoin’s list of accomplishments, as it recently hit a $1 billion market cap. His focus on the regulatory strength behind RLUSD signals Ripple’s attempt to secure a stable position within the U.S. financial system.
The CEO then addressed critics who questioned the role of digital asset firms in regulated finance. He said their objections reveal fear of competition. He added that the crypto industry now operates under OCC supervision and meets the standards expected from regulated institutions.
His message presented Ripple as a company prepared to comply with established rules while expanding its product landscape. Garlinghouse’s comments also indicate that Ripple views national-level oversight as a foundation for long-term growth.
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Why This Matters for XRP’s Growth
The development strengthens the environment around XRP. A national trust bank puts Ripple in a direct relationship with U.S. regulators, creating clearer conditions for institutions that need exposure to its products. XRP benefits from this shift because it powers Ripple’s technology.
With RLUSD and the bank operating under the highest level of oversight, market participants will view the system as more secure. XRP’s adoption will grow as Ripple gains influence in the financial system.
This increased demand could positively impact its price, potentially pushing it to new heights as institutions flood the market. Ripple has achieved another notable feat to close out 2025. XRP could experience explosive growth as we enter the new year.
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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