Experts say that the XRP surged by 1.7% on the 2nd of July following Ripple’s application for a banking licence with the Office of the Comptroller of the Currency. This could mark the beginning of a new era. Ripple’s filing for a banking license has generated a strong market response, as the XRP rate jumped significantly from $2.237 ($2.274) to $2.274 ($2.274).
Ripple is making this move to establish itself as a financial institution that’s regulated, something many investors had been looking forward to. XRP, at the moment of this writing, is currently trading at $2.26. The momentum appears to be growing.
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XRP Price Reaction & Ripple Banking License Impact
XRP’s recent price movements have accelerated the growing confidence of investors across a variety of important regulatory frameworks. And it is about time. Ripple’s application for national banking chart has placed the company in federal oversight. This could revolutionize institution adoption of Ripple’s XRP tech.
The following are some of the most effective ways to increase your ROI: Brad Garlinghouse X confirmed news of the X.
“True to our long-standing compliance roots, Ripple is applying for a national bank charter from the OCC.”
The XRP OCC application also encompasses multiple strategic regulatory pathways and includes a Federal Reserve master account request through Standard Custody & Trust Company. The dual regulatory approach used by the XRP OCC has radically changed how financial institutions perceive XRP and their adoption strategies.
Crypto expert AltcoinBale This is what I said:
“When Ripple is granted a banking licence, the price of XRP will never be the same again.”
The price of Ripple XRP won’t be the same after Ripple receives a bank licence.
— BALE (@AltcoinBale) July 2, 2025
Bank Licenses and XRP Market Price
Ripple’s approval of a banking license would lead to major transformations in Ripple’s operations and enable Ripple custody their own reserves, while regulating the RLUSD stablecoin via multiple OCC frameworks. RLUSD currently has a market capitalization of $469 million, which is significantly less than USDT’s market capitalization of $157.8 Billion across multiple significant market measures.
Garlinghouse stressed the importance of strategic significance:
“In a $250B+ market, RLUSD stands out for putting regulation first, setting the standard that institutions expect.”
XRP’s stability in price following the announcement has fueled sustained investor interest through major institutional channels. Ripple XRP, at the time this article was written, is currently trading for $2.26. It has also maintained most of the gains it made from its initial XRP surge over several important trading sessions.
Pricing and regulatory positioning of XRP
Circle, who also submitted similar documents on June 30, has been positioned alongside Ripple in multiple regulatory paths. Anchorage Digital, the sole crypto firm to have an OCC charter that was created in 2021 with various major compliance efforts, remains unmatched.
These regulatory solutions have optimized the long-standing issues of XRP’s price volatility as well as institutional hesitation in a wide range of important market factors. By establishing a compliance framework for Ripple XRP, the banking license could help major financial organizations adopt Ripple XRP.
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Market reaction indicates that investors see the Ripple bank license as a catalyser for future XRP appreciation. This application is a shift in strategy towards regulatory compliance, which could lead to significant institutional investments for XRP.
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Source: watcher.guru
