Ripple Gets Its Federal Bank Charter: What Happens to RLUSD Next

TLDR The OCC gave final approval to Ripple National Trust Bank on Monday, after conditional approval in December 2025. The bank will manage reserves backing the RLUSD stablecoin and offer digital asset custody. RLUSD has a market value of about $2.5 billion and is still issued by Standard Custody & Trust Company. Ripple follows Circle, which got final OCC approval in July. Coinbase, Crypto.com and Bridge remain at the conditional approval stage. Ripple has received final approval from the Office of the Comptroller of the Currency (OCC) to run a national trust bank. CEO Brad Garlinghouse announced the news on X late Monday. Big news heading into @RippleSwell : the @USOCC has granted final approval for Ripple National Trust Bank.

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