Ripple Bank License Sparks XRP Surge Speculation Ahead of Key Review

Ripple US Bank License Under Review: What It Means for XRP and the Crypto Market

Ripple Labs’ ongoing application for a U.S. national trust bank charter is once again capturing attention in the cryptocurrency space, driving renewed discussion among investors and analysts. Officially filed on July 2, 2025, the Ripple U.S. Bank License, also known as the National Trust Bank application, was publicly released in early August, generating initial buzz that continues to reverberate months later. While some social media channels present this as breaking news, the filing has been under regulatory review for several months, highlighting the careful scrutiny such applications undergo.

Understanding Ripple’s National Trust Bank Application

The Office of the Comptroller of the Currency (OCC) oversees federally chartered banks in the United States. Ripple’s application seeks approval to operate a national trust bank, a regulatory framework that would allow the company to manage digital assets and offer fiduciary services, including custody of its RLUSD stablecoin reserves. Approval of the license could provide Ripple with a significant competitive advantage, bridging traditional financial institutions and blockchain-based services.

Source: X

If successful, Ripple Labs would become a U.S.-chartered bank, creating an unprecedented regulatory foothold within the crypto sector. This could enhance XRP’s credibility among institutional investors, potentially increasing its adoption as a reserve asset for banks and corporate treasuries. Additionally, integrating XRP into a bank’s operational infrastructure could streamline cross-border transactions, positioning the token as a faster, more cost-effective alternative to traditional remittance and settlement networks.

Public Review and Regulatory Scrutiny

Following the release of the application, the OCC provided a 30-day public comment period, inviting feedback from industry stakeholders, community groups, and the general public. While the public commentary period has closed, the OCC’s review remains ongoing, and no final decision has been announced. This process has drawn attention from regulatory advocacy organizations, including the National Community Reinvestment Coalition (NCRC), which has historically expressed concerns about the oversight of digital asset institutions.

Source: Official X Account

The rigorous review process underscores the broader regulatory caution surrounding crypto-native banking solutions. A U.S.-chartered Ripple bank would mark a first in bridging digital asset services with federally regulated financial systems, raising important questions about risk management, reserve requirements, and compliance with existing financial laws.

Potential Market Implications for XRP

Approval of Ripple’s National Trust Bank license could have far-reaching implications for XRP and the broader cryptocurrency market:

1. Institutional Adoption: A U.S. banking license could encourage more banks and corporate treasuries to hold XRP as a reserve asset, bolstering institutional participation in the token.

2. Cross-Border Payments: By integrating XRP into conventional banking infrastructure, Ripple could accelerate remittance and settlement processes, creating new demand for the token.

3. Market Credibility: Regulatory approval may enhance XRP’s legitimacy, boosting investor confidence and attracting new capital into the market.

Despite these potential benefits, Ripple has not specified if XRP will be directly incorporated into the operations of a licensed bank. Consequently, short-term price movements could remain volatile, dependent on investor sentiment, market speculation, and external regulatory developments.

October 2025: A Pivotal Month for Ripple

Several upcoming events could determine XRP’s trajectory in the market over the next month:

• ETF Launches: Approval of cryptocurrency ETFs, including XRP-based products, could introduce significant institutional liquidity. Delays in ETF launches, however, may create short-term downward pressure.

• Bank License Decision: Based on the OCC’s typical 120-day review period, a decision regarding Ripple’s National Trust Bank license may be expected by late October 2025. Positive news could trigger bullish momentum, while delays could prompt cautious sentiment.

• Legislative Developments: Ongoing legislative initiatives, such as the Market Structure Bill, alongside developments within cross-border networks like SWIFT, could influence Ripple’s adoption potential and overall market positioning.

XRP Price Analysis and Market Scenarios

As of October 6, 2025, XRP traded at approximately $2.97, down 1.47% in the last 24 hours, hovering near the psychological $3 resistance level. With a market capitalization of $178 billion and a 24-hour trading volume of $5.53 billion, XRP remains a major player in the digital asset market.

Bullish Scenarios:

• Approval of XRP-spot ETFs.

• Granting of the National Trust Bank license.

• Adoption by blue-chip corporations for treasury or payment operations.

• Ripple gaining market share in cross-border settlements relative to traditional networks like SWIFT.

Bearish Scenarios:

• Delays or rejection of ETF approvals.

• Denial or postponement of Ripple’s bank license.

• Continued disruption due to a U.S. government shutdown.

• SWIFT or other legacy networks maintaining dominance in cross-border transactions.

Key technical levels to monitor include support at $2.80 and $2.50, and resistance zones at $3, $3.10, $3.30, and $3.66. Market participants should consider both fundamental regulatory news and technical trends when assessing potential XRP movements.

Why This Matters to Investors

Ripple’s National Trust Bank application represents more than just a single corporate milestone; it is indicative of the broader trend toward integrating digital assets into traditional financial systems. Approval could create a blueprint for other crypto-native firms seeking to operate within U.S. regulatory frameworks.

For investors, the combination of regulatory clarity and ETF products could transform XRP from a speculative asset into a more institutional-grade financial instrument. The developments in October 2025 are therefore closely watched by market participants, who anticipate significant price and adoption implications depending on the outcomes.

Conclusion

Ripple’s ongoing pursuit of a U.S. national trust bank charter highlights the intersection of innovation and regulation in the cryptocurrency market. With potential ETF launches and legislative developments coinciding, October 2025 could prove pivotal for XRP and the broader digital asset ecosystem. While uncertainties remain, the strategic implications of a licensed Ripple bank have already sparked optimism among investors, signaling a potential new chapter in the token’s evolution and adoption.

Writer @Ellena

Erlin is an experienced crypto writer who loves to explore the intersection of blockchain technology and financial markets. She regularly provides insights into the latest trends and innovations in the digital currency space.

 

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