{"id":11533,"date":"2025-07-03T14:20:43","date_gmt":"2025-07-03T13:20:43","guid":{"rendered":"https:\/\/investx.fr\/en\/?p=11533"},"modified":"2025-07-03T14:20:44","modified_gmt":"2025-07-03T13:20:44","slug":"ripple-seeking-banking-license-impact-on-xrp","status":"publish","type":"post","link":"https:\/\/investx.fr\/en\/crypto-news\/ripple-seeking-banking-license-impact-on-xrp\/","title":{"rendered":"Why is Ripple, the Crypto Giant, Seeking a Banking License ?"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" class=\"wp-block-heading\" id=\"ripple-aims-to-become-the-new-banking-system\">Ripple Aims to Become the New Banking System<\/h2>\n\n\n\n<p><strong><a href=\"https:\/\/investx.fr\/en\/learn\/crypto\/ripple\/\">Ripple<\/a><\/strong>, one of the major players in the crypto universe, has recently applied for a <strong>banking license in the United States.<\/strong> This bold decision aims to position Ripple as an essential bridge between traditional finance and blockchain technology.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"twitter-tweet\" data-width=\"500\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\">\ud83d\udea8 RIPPLE JUST WENT FULL BANKING MODE<br><br>Brad confirms it:<br>Ripple has applied for a National Bank Charter with the OCC.<br><br>This move positions Ripple to sit above crypto and within the heart of traditional finance. \ud83e\uddf5\ud83d\udc47 <a href=\"https:\/\/t.co\/I4TnKQRAfm\">pic.twitter.com\/I4TnKQRAfm<\/a><\/p>&mdash; Pumpius (@pumpius) <a href=\"https:\/\/twitter.com\/pumpius\/status\/1940469170304631140?ref_src=twsrc%5Etfw\">July 2, 2025<\/a><\/blockquote><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script>\n<\/div><\/figure>\n\n\n\n<p>Ripple&#8217;s main objective with this move is to solidify its position as a link between crypto and traditional financial services. Obtaining a national banking charter would place Ripple under <strong>federal regulatory supervision<\/strong>, a major advantage in the context of the ongoing lawsuit regarding its cryptocurrency <a href=\"https:\/\/investx.fr\/en\/crypto-investing\/buy\/ripple-xrp\">XRP<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" class=\"wp-block-heading\" id=\"direct-access-to-the-american-payment-system\">Direct Access to the American Payment System<\/h2>\n\n\n\n<p>But Ripple&#8217;s ambition doesn&#8217;t stop there. The firm is also seeking a master account with the Federal Reserve. This golden ticket would give Ripple <strong>direct access to the American payment system<\/strong>, a privilege typically reserved for top-tier financial institutions. This would allow the company to <strong>hold reserves in RLUSD,<\/strong> conduct transactions 24\/7, and eliminate risks associated with third-party counterparties.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"twitter-tweet\" data-width=\"500\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\">True to our long-standing compliance roots, <a href=\"https:\/\/twitter.com\/Ripple?ref_src=twsrc%5Etfw\">@Ripple<\/a> is applying for a national bank charter from the OCC. If approved, we would have both state (via NYDFS) and federal oversight, a new (and unique!) benchmark for trust in the stablecoin market.<br><br>Earlier in the week via\u2026 <a href=\"https:\/\/t.co\/IdiR7x3eWZ\">https:\/\/t.co\/IdiR7x3eWZ<\/a><\/p>&mdash; Brad Garlinghouse (@bgarlinghouse) <a href=\"https:\/\/twitter.com\/bgarlinghouse\/status\/1940454339207667941?ref_src=twsrc%5Etfw\">July 2, 2025<\/a><\/blockquote><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script>\n<\/div><\/figure>\n\n\n\n<p>This decision echoes recent initiatives by competitors like <strong>Circle<\/strong>, which have also applied for <strong>banking licenses<\/strong>. The blockchain company is thus working to strengthen its market position while accelerating the resolution of the XRP lawsuit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" class=\"wp-block-heading\" id=\"outlook-for-ripple-and-its-rlusd-stablecoin\">Outlook for Ripple and Its RLUSD Stablecoin<\/h2>\n\n\n\n<p>Currently, the RLUSD stablecoin is regulated by the State of New York. However, a national banking charter would place Ripple under <strong>federal OCC supervision<\/strong>, establishing a <strong>dual layer of regulation.<\/strong> This increased transparency should <strong>strengthen investor confidence<\/strong> and institutional demand for RLUSD.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"twitter-tweet\" data-width=\"500\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\">\ud83d\udea8 David Sacks just exposed the truth:<br><br>The GENIUS Act is a bank-built firewall to stop stablecoins. \ud83c\udfe6<br>But <a href=\"https:\/\/twitter.com\/search?q=%24RLUSD&amp;src=ctag&amp;ref_src=twsrc%5Etfw\">$RLUSD<\/a> and <a href=\"https:\/\/twitter.com\/search?q=%24XRP&amp;src=ctag&amp;ref_src=twsrc%5Etfw\">$XRP<\/a>? They&#39;re breaking through. \ud83d\udca5<br><br>Wake up\u2014or get left behind. <a href=\"https:\/\/t.co\/sIJOZIzWTq\">pic.twitter.com\/sIJOZIzWTq<\/a><\/p>&mdash; XRP Governor (@xrpgovernor) <a href=\"https:\/\/twitter.com\/xrpgovernor\/status\/1936399160380445092?ref_src=twsrc%5Etfw\">June 21, 2025<\/a><\/blockquote><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script>\n<\/div><\/figure>\n\n\n\n<p>As the <strong>GENIUS bill<\/strong>, aimed at regulating stablecoin issuance, progresses through Congress, Ripple is anticipating upcoming regulatory changes. Indeed, this legislation will only authorize the issuance of dollar-backed stablecoins by federally chartered banks. The company is thus positioning itself in preparation for this new legal framework.<\/p>\n\n\n\n<p>Ultimately, Ripple&#8217;s decision to apply for a banking license represents a <strong>major strategic step<\/strong> in its ambition to establish itself as the default banking system of the digital world. As traditional finance and crypto continue to converge, Ripple seems determined to play a central role in this revolution.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/investx.fr\/go-bybit\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Bybit is back : Get $5 free exclusively through our link !<\/a><\/div>\n<\/div>\n\n\n\n<p><strong>More on this topic :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/investx.fr\/en\/crypto-news\/key-price-levels-to-watch-for-bitcoin-in-the-coming-days\/\">Key levels to watch on Bitcoin&#8217;s price in the coming days<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/investx.fr\/en\/crypto-news\/cryptocurrency-market-surge-top-3-reasons\/\">Understanding the Surge in the Cryptocurrency Market Today : Key Factors Revealed !<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/investx.fr\/en\/crypto-news\/is-a-10000-price-target-achievable-for-ethereum-eth-in-the-future\/\">Can Ethereum (ETH) reach $10,000 someday ?<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Ripple aims to revolutionize the banking system. As a key player in the crypto world, Ripple has recently applied for a banking license in the US, showcasing its ambition to redefine traditional banking.<\/p>\n","protected":false},"author":32,"featured_media":11532,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","faq_titre":"","questions_frequentes":"","custom_permalink":""},"categories":[13,10],"tags":[],"class_list":["post-11533","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blockchain-news","category-crypto-news"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Why Ripple Wants a Banking License \u2014 What It Means for XRP<\/title>\n<meta name=\"description\" content=\"Ripple is pursuing a banking license \u2014 discover the strategy behind it, the role of RLUSD, and what it could mean for XRP 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Ledoux","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/47d3a48e5bca34238d22886640ecc684e7dd54ad63c435f7005f6b5a1e0ddf8c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/47d3a48e5bca34238d22886640ecc684e7dd54ad63c435f7005f6b5a1e0ddf8c?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/47d3a48e5bca34238d22886640ecc684e7dd54ad63c435f7005f6b5a1e0ddf8c?s=96&d=mm&r=g","caption":"Charles Ledoux"},"description":"Je suis un analyste sp\u00e9cialis\u00e9 dans les blockchains L1 et leurs fondamentaux comme Bitcoin, Kaspa, Monero, Chainlink ou encore Solana. Je suis \u00e9galement form\u00e9 au trading et \u00e0 l\u2019analyse technique depuis plus d\u2019un an sur le march\u00e9 des cryptomonnaies, mais \u00e9galement sur le forex et les m\u00e9taux pr\u00e9cieux comme l\u2019or ou le silver. J\u2019ai obtenu un dipl\u00f4me de la Crypto Academy sur les fondamentaux techniques du Bitcoin et poss\u00e8de une exp\u00e9rience de plus de 5 ans dans le journalisme et l\u2019\u00e9criture d\u2019articles p\u00e9dagogiques. J\u2019ai notamment \u00e9crit de nombreuses masterclass pour \u00e9duquer les nouveaux venus dans l'industrie et plus de 10 000 articles et news.J\u2019ai \u00e9galement pu interviewer de nombreux fondateurs et cr\u00e9ateurs de projets dans la crypto comme Marc Lebreton (chef marketing de la blockchain SUI), EJ Ayala (Coinbase US et Draftkings), et d\u2019autres projets comme Polyhedra (Eric Vreeland), Usual (Adli Takkal Bataille), ou encore Humanity Protocol (Jade Gu). J\u2019ai plong\u00e9 dans la cryptomonnaie il y a plus de 3 ans et continue de mettre tout en \u0153uvre pour fournir du contenu de qualit\u00e9, avec de l\u2019expertise et la neutralit\u00e9 attendue d\u2019un journaliste. Retrouvez moi aussi sur X pour des analyses et sur Linkedin pour me contacter.","sameAs":["https:\/\/www.linkedin.com\/in\/charles-ledoux-508392239\/","https:\/\/x.com\/charl3li"],"url":"https:\/\/investx.fr\/en\/author\/charles-ledoux\/"}]}},"_links":{"self":[{"href":"https:\/\/investx.fr\/en\/wp-json\/wp\/v2\/posts\/11533","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/investx.fr\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/investx.fr\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/investx.fr\/en\/wp-json\/wp\/v2\/users\/32"}],"replies":[{"embeddable":true,"href":"https:\/\/investx.fr\/en\/wp-json\/wp\/v2\/comments?post=11533"}],"version-history":[{"count":2,"href":"https:\/\/investx.fr\/en\/wp-json\/wp\/v2\/posts\/11533\/revisions"}],"predecessor-version":[{"id":11535,"href":"https:\/\/investx.fr\/en\/wp-json\/wp\/v2\/posts\/11533\/revisions\/11535"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/investx.fr\/en\/wp-json\/wp\/v2\/media\/11532"}],"wp:attachment":[{"href":"https:\/\/investx.fr\/en\/wp-json\/wp\/v2\/media?parent=11533"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/investx.fr\/en\/wp-json\/wp\/v2\/categories?post=11533"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/investx.fr\/en\/wp-json\/wp\/v2\/tags?post=11533"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}