By Isaac • October 27, 2026 11:09 pm •
Ripple has crossed a line that few crypto companies have reached: its proposed national trust bank has moved from conditional approval to final approval from the Office of the Comptroller of the Currency.
The development gives Ripple a federally supervised institution built around the parts of digital finance that large companies care about most—reserve management, custody and collateral. It does not turn Ripple into a conventional retail bank or automatically create new demand for XRP.
It does move a meaningful piece of Ripple’s infrastructure deeper inside the regulated U.S. financial system.
In its announcement of the OCC’s final approval, Ripple said Ripple National Trust Bank will manage the segregated reserves supporting Ripple USD, act as collateral
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