Ripple receives OCC approval to establish a national trust bank, RLUSD ushers in a dual regulatory framework

2025-12-12 18:00:13

[Crypto World] Recently, the Office of the Comptroller of the Currency (OCC) in the United States granted conditional approval to Ripple, allowing it to establish a national trust bank. This is no small matter — it marks a significant regulatory milestone for the entire industry.

Interestingly, Ripple CEO Brad Garlinghouse openly pointed out that traditional banks have been trying every means to delay the integration of cryptocurrencies into the regulated financial system. Obtaining this banking charter is equivalent to Ripple receiving an official “ticket” to enter the U.S. banking industry.

More importantly, this means Ripple’s stablecoin RLUSD will be subject to dual regulation by the OCC and the New York State Department of Financial Services (NYDFS). This clear regulatory framework will, in fact, accelerate the promotion and adoption of stablecoins in the market.

This time, OCC approved not only Ripple but a total of five digital asset trust banks. From this development, it appears that the federal government is actively promoting the integration of blockchain infrastructure with the national banking system. This shift in attitude indicates that regulators have recognized the inevitable role of digital assets and blockchain technology within the financial ecosystem, rather than continuing to oppose or avoid them. For the entire Web3 ecosystem, this is a substantive step toward compliance and institutionalization.

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gaslight_gasfeez

· 2025-12-15 17:00

Wow, traditional banks are really being dominated by Ripple. The dual regulatory framework move is brilliant.

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GasFeeCryer

· 2025-12-13 18:39

Haha, traditional banks are getting nervous now. Ripple has really entered the scene.

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SoliditySlayer

· 2025-12-12 18:30

What the heck, Ripple really got it? Traditional banks are panicking now, haha

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BlockchainBouncer

· 2025-12-12 18:24

Whoa, is Ripple really about to become an official military? The old folks at traditional banks are probably losing sleep over this haha --- Dual regulatory framework? Now stablecoins finally have a clear stance, it’s about time --- Got the entry ticket in hand, now it’s up to what tricks we can play, whether XRP will rise or not is another story --- Brad really dares to say that, the folks at traditional banks are indeed dragging their feet, we can all see through it --- RLUSD has pretty good luck this time, OCC and NYDFS are watching together, at least more reliable --- But approval conditions still depend on how it’s executed later, don’t let it turn into just talk on paper again --- This matter has a significant demonstration effect on the entire industry, other stablecoins should be nervous --- Ripple obtained national trust bank qualification, truly a different level of wealth --- Wait, who else did the OCC approve? The article isn’t finished yet, feeling a bit itchy --- Clarification of the regulatory framework is actually good news for us retail investors, risks can be reduced

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MrDecoder

· 2025-12-12 18:23

Wow, Ripple finally broke the ice? Those traditional bank folks must be freaking out haha

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DuskSurfer

· 2025-12-12 18:18

Alright, finally someone dares to face the tricks of traditional banks directly. Brad's words this time are truly heartfelt and reasonable. Can XRP turn the tide with this opportunity? With the banking license in hand, it feels like the real breakthrough. The wall of traditional finance has finally cracked, and the projects behind it need to work harder. The dual regulatory framework for RLUSD has been clarified, and it seems the stablecoin track is about to change. Ripple's move is decent, but will it once again become a "traitor" in the eyes of Satoshi Nakamoto? Haha. Wait, does this approval of conditions mean there are other restrictions? Can someone interpret this? Damn, is the traditional banking industry about to be shaken up? Is this really a more friendly regulation, or is it a regulatory trap? The dual regulation sounds strict, but at least it's not a ban. That’s progress.

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GasOptimizer

· 2025-12-12 18:01

Under the dual regulatory framework, the fee model of RLUSD needs to be recalculated, and the arbitrage opportunities will be significantly reduced.

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