Another significant development has occurred in the crypto world: Ripple has received conditional approval from the US Office of the Comptroller of the Currency (OCC) to establish a national trust bank under the name Ripple National Trust Bank. This approval, announced on December 12, 2025, places Ripple, along with Circle, among the next generation of federal trust banks. What does this mean?

Ripple's stablecoin, RLUSD, will now be subject to oversight at both the state (NYDFS) and federal (OCC) levels. This introduces a dual-layer regulatory standard that no other stablecoin on the market possesses.
RLUSD reserves will be managed by a federal trust bank – representing a gold standard in terms of transparency, security, and compliance.
The trust bank status authorizes Ripple to offer crypto asset custody (custody), fast payment settlement, and fiduciary services to institutions. However, it does not have the authority to accept deposits or grant loans like traditional banks. As Ripple CEO Brad Garlinghouse said:
"Crypto is no longer fighting the system – it is becoming the system itself."
This development comes especially after the GENIUS Act (a law establishing clear rules for stablecoins) was signed in July 2025. RLUSD surpassed a market capitalization of $1 billion shortly after its launch and began to be used in real-world payments. Now, with federal approval, the doors to Wall Street are opening even further.
Why is this important?
Institutional adoption will accelerate: Banks and financial giants will approach regulated crypto infrastructure with more confidence.
The XRP and RLUSD ecosystem will strengthen: Ripple Payments will gain a larger share in global payments.
The crypto sector is maturing: Despite lobbying criticisms of "light regulation," Ripple is adopting the highest standards by directly entering OCC oversight.
Wall Street adoption is truly loading... 🚀
This development is a turning point in the integration of cryptocurrencies with traditional finance.
$XRP ‌