A recent commentary by crypto analyst Pumpius centers on a development that places Ripple in a category distinct from most digital asset firms. Rather than focusing on litigation outcomes or regulatory disputes, the commentary emphasizes Ripple’s decision to enter the U.S. banking framework.
According to the assessment, Ripple Labs has filed an interagency application to establish Ripple National Trust Bank in the United States, a step that reflects long-term positioning rather than short-term regulatory defense.
The filing, submitted to the Office of the Comptroller of the Currency, seeks approval for a federally regulated national trust bank. This is not framed as an indirect arrangement or a compliance workaround.
Instead, it represents a direct request to operate within the same supervisory structure that governs traditional trust banks in the U.S. financial system. Pumpius stresses that the application has already passed initial procedural review, making it a matter of public record rather than speculation.
🚨 XRP just crossed a line no other crypto project has ever crossed
Ripple is no longer trying to survive regulation.
It stepped through it.
Quietly.
Deliberately.Ripple Labs has filed an interagency application to establish Ripple National Trust Bank in the United States.
A… pic.twitter.com/CZ5VFZVIIW— Pumpius (@pumpius) December 20, 2025
What a National Trust Bank Represents
The commentary places significant emphasis on what a national trust bank charter allows in practice. A U.S. national trust bank operates under federal oversight and is permitted to provide fiduciary and custodial services.
For Ripple, this would enable direct custody of digital assets at an institutional standard without reliance on third-party custodians. It also helps participation in the U.S. banking infrastructure under established regulatory expectations.
Pumpius highlights that this framework shifts compliance from a reactive obligation to an embedded operating principle. Rather than responding to regulatory pressure after the fact, Ripple would be functioning as a regulated entity by design. This distinction, according to the commentary, separates structural integration from surface-level compliance efforts commonly seen across the digital asset sector.
Implications for XRP and Institutional Access
Another central point in the commentary concerns how this development affects institutional interaction with XRP. Operating within a regulated banking perimeter changes the profile of capital that can legally engage with digital assets.
Pension funds, large asset managers, and other regulated institutions often face strict limitations when dealing with assets that exist outside recognized financial frameworks.
By aligning with a federally supervised trust bank model, Ripple positions itself to meet the compliance thresholds required by these institutions. Pumpius argues that this does not guarantee immediate capital inflows but alters the eligibility conditions under which such capital can participate. The focus is on access, structure, and permanence rather than market sentiment or short-term price action.
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Positioning Within the Financial System
The commentary concludes by describing Ripple’s approach as a deliberate contrast to the broader industry. While many firms have challenged regulators from the outside, Ripple is portrayed as choosing internal alignment with the system itself. This approach, according to Pumpius, reshapes how banks, institutions, and regulators assess Ripple’s role in digital finance.
The emphasis is not on predictions or promotional claims, but on institutional structure. The establishment of a national trust bank, if fully approved, would place Ripple among a limited group of digital asset companies operating as regulated financial entities in the United States.
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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