BREAKING: Ripple’s application for a U.S. banking license from the OCC is now open for public review.
Let that sink in…
RIPPLE IS BECOMING A BANK.The same company the SEC fought for years is now positioning itself as the bank of banks built not on legacy rails, but… pic.twitter.com/WPfON3YBsh
— Pumpius (October 5, 2025)
Ripple’s Strategic Move Toward Mainstream Banking
Ripple’s latest application demonstrates its broader ambition to integrate blockchain technology within the traditional banking framework. The potential charter would enable the company to offer regulated trust and custody services while enhancing its role in cross-border payments and digital asset management.
Moreover, this milestone reflects Ripple’s efforts to strengthen its compliance posture following years of regulatory challenges. By pursuing a federal charter, the company signals a commitment to align with established financial oversight, ensuring that its operations meet institutional standards.
Additionally, this step could position Ripple as a bridge between blockchain innovation and conventional finance. Its XRP Ledger technology, which facilitates real-time settlements, could now operate under the credibility and stability of a federally chartered bank.
A Turning Point for Ripple and the Industry
After enduring prolonged scrutiny from the U.S. Securities and Exchange Commission, Ripple’s pivot toward a regulated model demonstrates its readiness to operate within the core financial system.
Hence, the public release of the charter application not only highlights Ripple’s persistence but also reflects a maturing phase for blockchain-driven companies seeking legitimacy in traditional markets.
As regulators review the proposal, the outcome could set a precedent for how digital asset firms transition into fully licensed financial institutions in the United States.