Who Gains From Ripple’s New Bank Charter? XRP Holders May Be Last in Line

Ripple won final approval from the Office of the Comptroller of the Currency (OCC) to open a national trust bank. The bank charter covers reserves behind its $2.5 billion Ripple USD (RLUSD) stablecoin but assigns XRP no role. XRP holders sit furthest from the charter’s direct benefits. The token trades at $1.31 on BeInCrypto Markets, up 1.11% in 24 hours. That still leaves it about 64% below its $3.65 peak from July 2025. Ripple’s Bank Charter Puts RLUSD Holders First in Line Ripple National Trust Bank (RNTB) first won conditional approval last December. Monday’s final sign-off, confirmed in a company release, lets the bank begin operating under OCC supervision. Journalist Eleanor Terrett noted on X that Ripple now joins Circle, BitGo, and Fidelity Digital Assets.

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