A claim circulating on social media suggests that Ripple may officially become a fully licensed bank in the United States next year. This assertion, shared by user JackTheRippler (@RippleXrpie), has garnered significant attention from the XRP community.
RUMORS: @Ripple will officially become a fully licensed bank in the United States next year! #XRPpic.twitter.com/Y1nwTVXOmN
— JackTheRippler © (@RippleXrpie) November 25, 2025
JackTheRippler posits that Ripple will complete its journey toward obtaining a bank charter in 2026, building on several strategic moves the company has already made in this direction. These developments also prompt discussions about the potential implications for XRP as Ripple expands its financial services.
Ripple's Pursuit of a Bank Charter
Ripple has demonstrably advanced its objective of securing a national bank charter, seeking approval to operate a trust bank within the United States. This proposed entity, tentatively named Ripple National Trust Bank, is intended to facilitate custody services, manage payment flows, and hold reserves for RLUSD, Ripple's stablecoin offering.
The company has formally submitted its application to the Office of the Comptroller of the Currency. Furthermore, Ripple has taken steps to position Standard Custody and Trust Company to acquire a Federal Reserve master account. These actions indicate a deliberate strategy to gain greater operational control and establish a more integrated presence within the national financial system.
The trust bank model aligns strategically with Ripple's overarching objectives. It provides a well-defined structure for overseeing stablecoins and supporting settlement processes. Additionally, it establishes a regulated foundation for Ripple's expanding financial network, catering to institutional clients who prioritize clear regulatory frameworks.
Obtaining a bank charter would significantly aid Ripple in meeting these institutional requirements. It signifies Ripple's intent to operate within the established infrastructure utilized by major financial institutions.
Implications for XRP
Ripple's progress toward obtaining a banking license holds potential for generating tangible value for XRP. It offers a clear, regulated pathway for institutions to engage with Ripple's payment network. A licensed bank would be equipped to manage settlement, custody, and liquidity operations under stringent regulatory oversight.
This enhanced level of control is crucial for fostering trust among large-scale financial firms, thereby encouraging their adoption of XRP for high-volume transactions.
Many institutions are seeking rapid settlement solutions that can overcome the inefficiencies inherent in traditional financial systems. XRP provides both speed and transparency. A bank charter would further solidify this offering by granting Ripple direct access to the national financial system, potentially leading to increased efficiency and reduced costs for its partners.
As more enterprises leverage these services, the demand for XRP is likely to increase. This growth in utility could positively impact XRP's price trajectory, positioning it as a practical financial tool rather than solely a speculative asset, and supporting its long-term value appreciation.