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Ripple's National Trust Bank has received conditional approval from the Office of the Comptroller of the Currency (OCC) to officially operate as a federal regulator. This move aims to integrate the XRP ledger directly into the U.S. banking system ahead of the OCC's new digital asset rules expected in 2026. CEO Brad Garlinghouse compared this shift to a "ChatGPT moment" in the financial sector, giving Ripple a potential first-mover advantage in building stablecoin regulatory frameworks and promoting broader adoption of digital assets.