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Sandra White

Ripple’s OCC Conditional Bank Charter and the Debate Over XRP Reaching $25

In December 2025, Ripple received conditional approval from the OCC for a national bank charter tied to plans for Ripple National Trust Bank and RLUSD reserve custody. Some XRP community commentators argue this step, plus Ripple's reported holdings and XRPL infrastructure efforts, could support a $25 XRP scenario, though the implied valuation figures are far larger than prior estimates cited.
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