XRP Institutional Adoption Accelerates as Crypto Platforms Pursue Banking Charters
In a landmark development for cryptocurrency institutionalization, Crypto.com has formally applied for a U.S. National Trust Bank charter with the Office of the Comptroller of the Currency. This strategic move positions the exchange to expand its regulated custody and staking services specifically tailored for institutional clients, placing it alongside established players like Coinbase and Circle in seeking federal oversight. The proposed charter would empower Crypto.com to offer comprehensive multi-chain custody solutions, significantly enhancing the infrastructure supporting major digital assets including XRP. This regulatory advancement represents a crucial step toward mainstream financial integration for cryptocurrencies, potentially creating new institutional-grade pathways for XRP custody, trading, and staking services. As more platforms pursue banking charters, the ecosystem for institutional XRP services continues to mature, potentially driving increased adoption and liquidity. The timing of this development coincides with growing institutional interest in digital assets, suggesting that 2025 could mark a turning point for regulated cryptocurrency services in traditional finance. This regulatory progress not only validates the cryptocurrency industry's maturation but also establishes stronger foundations for XRP's integration into conventional financial systems, potentially influencing its long-term valuation trajectory and market positioning.
Crypto.com Seeks U.S. Bank Charter to Expand Institutional Crypto Services
Crypto.com has filed an application with the U.S. Office of the Comptroller of the Currency to become a National Trust Bank, marking a strategic push into regulated custody and staking services for institutional clients. The MOVE positions the exchange alongside industry heavyweights like Coinbase and Circle in pursuing federal oversight.
The proposed charter would enable Crypto.com to offer multi-chain custody solutions, including support for its native Cronos network. "Building through regulated offerings has been our focus since day one," said CEO Kris Marszalek, signaling the company's ambition to capture market share in digital asset treasuries and crypto ETFs.
Existing operations under New Hampshire's regulatory framework will continue unaffected during the review process. The application reflects the industry's accelerating march toward compliance as institutional adoption grows.
XRP (XRP) Faces Potential Downturn as Death Cross Pattern Re-emerges
XRP, the cryptocurrency developed by Ripple, is teetering on the edge of a 'death cross' pattern—a technical indicator that historically foreshadows significant price declines. The last occurrence in 2021 preceded a 65% crash. Currently trading at $2.4137, XRP has shed 34% from its yearly peak, mirroring broader altcoin market volatility.
Analysts highlight additional risks beyond chart patterns, including dwindling burn rates and insider selling activity. Despite these headwinds, XRP's foundational strength as a cross-border payment asset anchors its long-term viability. Market participants now watch for whether history will repeat—or if institutional adoption will defy technical warnings.
XRP Price Prediction: Bullish Pattern Emerges Amid Favorable Macro Conditions
XRP gained 3.3% in 24 hours as cooler-than-expected US inflation data bolstered crypto markets. September's 3.0% CPI reading - 10 basis points below forecasts - cemented expectations for imminent Fed rate cuts, creating tailwinds for risk assets.
The REX-Osprey XRP ETF (XRPR) has surpassed $100M AUM, signaling growing institutional interest. Technical analysts highlight a developing inverse head-and-shoulders pattern, with trader AltcoinGordon projecting a $5 target. "$XRP is going to send & NOTHING will stop it," the analyst tweeted, sharing a chart of the breakout formation.
XRP Emerges as Key Player in Crypto-Fiat Settlement Amid Regulatory Clarity
After years of operating in the shadows of Bitcoin and Ethereum, XRP is carving out a niche as a critical infrastructure layer for real-world payments and tokenized assets. The XRP Ledger (XRPL) has quietly evolved, now processing a growing volume of transactions tied to treasury and payment activities.
Ripple's legal victory in August 2025 marked a turning point. A US court ruling confirmed XRP's retail sales as non-securities, while a $125 million settlement resolved institutional violations. This regulatory clarity enabled Ripple to secure money-transmitter licenses across key states including New York, Texas, and California.
The network effect is becoming visible. XRP's unique position as a US-compliant settlement rail has attracted fintech partners previously hesitant to engage with crypto-native solutions. While other chains compete for speculative trading volume, XRPL is finding its stride in powering institutional payment flows.
XRP Holds Key Support as Traders Anticipate Breakout
XRP demonstrates resilience above the $2.38 support level, with bulls defending the zone amid building buying pressure. A breakout toward $2.65 appears plausible if momentum sustains.
The token rebounded from the 50-day SMA but faced resistance NEAR $2.52, revealing lingering market weakness. Analysts highlight the RSI trendline as critical for determining short-term direction—a breakdown could invalidate the bullish thesis.
Ripple Completes $1.25B Hidden Road Acquisition to Bolster RLUSD Stablecoin Trust
Ripple has finalized its $1.25 billion acquisition of prime broker Hidden Road, rebranding the unit as Ripple Prime. The deal positions Ripple as the first crypto firm operating a global, multi-asset prime brokerage—clearing over $3 trillion annually for 300+ institutional clients.
The move directly supports Ripple's compliance-first strategy for its dollar-backed RLUSD stablecoin. Segregated reserves, BNY Mellon custody, and an 'A' rating aim to meet institutional demands for audited stability. "This brings the same level of trust as traditional finance," said CEO Marc Asch.
Analysts view the infrastructure play as critical for adoption. Ripple Prime now offers cross-asset clearing and risk management, emphasizing conflict-free governance amid tightening regulatory scrutiny.
