Ripple Receives Conditional OCC Approval
Ripple has received conditional approval from the U.S. Office of the Comptroller of the Currency (OCC) to establish the Ripple National Trust Bank (RNTB), a federally supervised trust bank. This follows the GENIUS Act passed in July 2025, which clarified regulatory guidance for U.S. stablecoins. The new trust bank will manage Ripple’s stablecoin RLUSD under dual state and federal oversight, strengthening Ripple’s compliance and transparency credentials. With this move, Ripple joins firms like Circle, BitGo, Paxos, and Fidelity Digital Assets, all of which have secured similar regulatory approvals.
Strategic Partnership with Switzerland’s AMINA Bank
Concurrently, Ripple has formed a strategic alliance with AMINA Bank, a FINMA-regulated crypto bank in Switzerland. AMINA Bank is now the first European bank to implement Ripple Payments, aiming to provide near real-time cross-border payments for its clients. This integration enables AMINA to handle both fiat and stablecoin transactions seamlessly, offering greater efficiency and reduced costs for crypto-native businesses seeking access to traditional banking infrastructure.
XRP Market Performance
Despite these achievements, Ripple’s native cryptocurrency XRP has experienced a downturn in market value. On December 13, 2025, XRP traded at $2.03, a slight decrease from the previous close. The price fluctuated between an intraday high of $2.05 and a low of $1.98. This suggests that while Ripple’s regulatory and strategic progress is significant, it has not immediately reversed the cautious sentiment in the XRP market.
Bottom Line
Ripple’s recent milestones—OCC conditional approval and the AMINA Bank partnership—highlight its proactive stance in regulatory compliance and innovation. These steps are crucial for bridging digital assets and traditional banking. However, the market remains tentative, with XRP’s price not reflecting the broader potential of these moves just yet.
