Ripple National Trust Bank: What It Means for XRP Holders

Ripple’s move into the U.S. federal banking system has raised an important question for XRP holders: what does the approval of Ripple National Trust Bank actually mean for XRP? Crypto enthusiast Tulips shared a video on X from BULLRUNNERS that examines the distinction between Ripple, the company, and XRP, while tracing the regulatory developments that brought the company from its 2020 SEC lawsuit to federal bank approval in 2026. The video revisits Brad Garlinghouse’s comments from December 22, 2020, when he explained that XRP was separate from Ripple and described it as a currency trading in the marketplace.