JackTheRippler (@RippleXrpie) has shared a claim that Ripple will become a fully licensed bank in the United States next year.
The post quickly caught the attention of the XRP army. Ripple has made several moves toward a bank charter, and JackTheRippler believes the company will complete that journey in 2026.
These moves also raise questions about what a formal banking role could mean for XRP as the company builds new financial tools.
🚨RUMORS: @Ripple will officially become a fully licensed bank in the United States next year! #XRP pic.twitter.com/Y1nwTVXOmN
— JackTheRippler ©️ (@RippleXrpie) November 25, 2025
Ripple’s Push Toward a Bank Charter
Ripple has taken clear steps toward a national bank charter. The company wants approval to run a trust bank in the United States. The Ripple National Trust Bank would support custody services, payment flows, and reserves for RLUSD, the company’s stablecoin.
Ripple has already submitted its application to the Office of the Comptroller of the Currency. The company also moved to position Standard Custody and Trust Company for a Federal Reserve master account. These actions show a direct plan. Ripple wants more control over its operations and a place in the national financial system.
The trust bank model fits Ripple’s goals. It gives the company a clean structure for stablecoin oversight and settlement support. It also creates a regulated base for its financial network. Ripple wants to serve institutions that need clear rules.
A bank charter would help the company meet those requirements. It also shows that Ripple plans to operate inside the same system that powers major financial firms.
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Why This Matters for XRP
Ripple’s progress toward a bank license can create real value for XRP. It gives institutions a clear and regulated way to use Ripple’s payment network. A licensed bank can handle settlement, custody, and liquidity with strict oversight.
This level of control helps large firms trust the system. That trust makes it easier for them to use XRP in high-volume transactions.
Many institutions need fast settlement that removes the friction in traditional systems. XRP offers speed with transparency. A bank charter strengthens this setup by giving Ripple direct access to the national financial system. That access can raise efficiency and reduce costs for partners.
As more firms rely on these services, demand for XRP can rise. This growth in utility can support price gains. This would also make XRP a practical tool rather than a speculative asset, and aid its long-term price growth.
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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