The Discovery and Its Significance
Crypto influencer JackTheRippler recently brought renewed attention to this development by sharing images of official OCC certification pages signed by Stuart Alderoty and Timothy Keaney on June 30, 2025. The documents align with public OCC filings related to Ripple’s application to establish a national trust bank.
This proposed entity — Ripple National Trust Bank, N.A. — represents a crucial component of Ripple’s strategy to integrate its digital asset operations, including XRP and its stablecoin RLUSD, within a fully regulated banking framework.
The authenticity of these documents corresponds with information available in the OCC’s records, confirming that Ripple formally filed for a national trust charter earlier this year. The signatures mark the point at which the OCC’s review clock begins ticking.
BREAKING: Documents signed by Stuart Alderoty and Timothy Keaney on June 30, 2025.
Deadline: 120 days after signature. October 2025!
RIPPLE NATIONAL TRUST BANK
— JackTheRippler © (@RippleXrpie) October 6, 2025
The 120-Day Review Window
Under OCC procedures, national trust bank applications typically undergo a 120-day review period once a complete filing is submitted. Given the June 30 signature date, this window extends through late October 2025, aligning perfectly with community expectations of an imminent decision.
While many XRP supporters have interpreted this as a fixed approval deadline, regulatory experts caution that the OCC retains discretion to extend its review or request further documentation. Nonetheless, the 120-day framework provides a practical benchmark and has intensified market anticipation around Ripple’s next major regulatory chapter.
What the Bank Could Mean for Ripple and XRP
If approved, Ripple National Trust Bank would operate under direct federal supervision, allowing Ripple to offer custody, fiduciary, and settlement services within the traditional banking system. By integrating with U.S. banking infrastructure, Ripple could simplify its management of stablecoin reserves, digital asset custody, and institutional settlements.
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For XRP, the implications are substantial. A federally chartered trust bank could enhance market confidence in Ripple’s ecosystem, expand institutional adoption, and provide a compliant pathway for large‑scale asset tokenization and cross‑border liquidity management. The charter could also serve as a foundational framework for RLUSD’s integration into the global payments system, anchoring Ripple’s long‑term regulatory and financial ambitions.
The Pushback and Regulatory Landscape
Despite the excitement, Ripple’s application has not gone unchallenged. The ICBA and NCRC have raised objections, expressing concerns over consumer protection, potential market dominance, and inadequate oversight.
Such resistance underscores the broader tension between traditional financial institutions and fintech innovators entering the banking domain.
What Comes Next
As the countdown approaches its October endpoint, all eyes remain on the OCC’s next move. Any formal notice, supplemental request, or update from Ripple’s leadership could determine whether this historic approval becomes reality. For now, JackTheRippler’s post has brought clarity to a process that had largely remained under the radar, galvanizing the XRP Army around a single, time‑bound milestone.
Whether the OCC grants the charter by the end of October or extends its review, Ripple’s pursuit of a federally regulated trust bank marks one of the most consequential developments in its history — and one that could redefine the intersection between blockchain and traditional finance.
Disclaimer
This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in‑depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.