Ripple Wins Final US Banking Approval, But XRP Price Fails to Rally

Ripple has secured final approval from US regulators to establish its national trust bank, marking a significant milestone in the company’s push to expand its institutional financial services. However, the regulatory breakthrough has yet to translate into a major rally for XRP, highlighting the gap between Ripple’s corporate progress and the token’s market performance. The Office of the Comptroller of the Currency (OCC) granted final approval for Ripple National Trust Bank on October 26, 2026. The decision strengthens Ripple’s position within the regulated financial system, particularly as the company expands its stablecoin and digital asset custody operations.