Ripple’s Trust Bank Strategy Plus $200M Rail Buy Could Transform XRP into Settlement Backbone ⋆ ZyCrypto
The post Ripple’s Trust Bank Strategy Plus $200M Rail Buy Could Transform XRP into Settlement Backbone ⋆ ZyCrypto appeared on BitcoinEthereumNews.com.
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  Ripple has applied for a national trust bank charter and taken other concrete steps to plug traditional banking into tokenized payments. Those moves aim to provide custody, stablecoin issuance, and settlement rails under a regulated charter. Ripple’s filings, banking-industry responses, and a recent acquisition together create a measurable shift in strategy — one that affects the practical role XRP could play in institutional settlement. Ripple submitted an application for a national trust bank charter in July 2025 for a proposed Ripple National Trust Bank, according to multiple reports summarizing filings and public materials. The bank would be a limited-purpose trust bank focused on custody, tokenization, and stablecoin services rather than deposit-taking. On Thursday, 7 August 2025, Ripple announced a $200 million deal to buy Rail, a stablecoin payments platform, which the company said would strengthen its institutional stablecoin and payments stack. Reuters reported the deal and the price. Advertisement
  That reception is not universal. The Independent Community Bankers of America (ICBA) formally opposed Ripple’s application in a letter in August 2025, arguing consumer-protection and prudential concerns to the OCC. The ICBA filing is public. Other community and civil society groups have also lodged comments opposing national trust charters for crypto firms. Those objections form part of the regulatory submission record. A national trust bank charter would allow Ripple to offer fiduciary custody and to operate tokenized asset and stablecoin services under federal supervision. Custody plus native stablecoin issuance would enable Ripple to combine on-chain liquidity (including XRP) with off-chain settlement rails. That architecture can lower counterparty steps in cross-border flows. The practical effect depends on liquidity, counterparty acceptance, and regulatory permissions. Rail’s acquisition for $200m gives Ripple an off-the-shelf stablecoin engineering and payments stack. Reuters noted the purchase on 7 Aug 2025 and framed…
Filed under: News - @ August 14, 2025 11:25 pm