Ripple’s Federal Banking Charter Sets Up a 2027 Test

Ripple secures final OCC approval for its national trust bank. The bank will manage RLUSD reserves and provide institutional custody. The charter excludes conventional deposit-taking and lending. New stablecoin regulations take effect in January 2027. Ripple has received final approval from the Office of the Comptroller of the Currency (OCC) to establish Ripple National Trust Bank, expanding the company’s federally supervised infrastructure for stablecoin reserves and institutional digital-asset custody. The decision, announced on October 26 , follows the OCC’s conditional authorization in December 2025.