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Ripple’s Bank Charter Faces 120-Day OCC Review, Potential November 2025 Approval to Integrate XRP Into U.S. Banking
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Ripple’s Bank Charter Faces 120-Day OCC Review, Potential November 2025 Approval to Integrate XRP Into U.S. Banking

Ripple’s application for a U.S. national bank charter, filed on July 2, 2025, is now under the OCC’s 120-day review, setting up a potential approval by early November 2025—a development that could integrate XRP directly into U.S. banking infrastructure via FedWire and FedACH. Meanwhile, Ripple’s stablecoin RLUSD has grown past $700 million in circulation, supported by reserves custodied at BNY Mellon with over $50 trillion in assets under custody, underscoring the scale of adoption at play. At the same time, BanxChange.com is powering institutional tokenization and decentralized media on the XRP Ledger through the deflationary BXE Token, which is set to launch on its first centralized exchange on November 14, 2025—placing Ripple’s regulatory breakthrough and BXE’s market debut on a collision course that could define the future of blockchain finance.

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