XRP’s Bold Leap: Ripple Pursues U.S. Banking Charter to Bridge Crypto and Traditional Finance

In a groundbreaking move that could redefine the financial landscape, Ripple is actively seeking a U.S. banking charter and a Federal Reserve master account—a historic first for any crypto-native company. As of July 2025, this ambitious initiative aims to position XRP at the forefront of the convergence between decentralized finance and regulated banking. Approval would grant Ripple direct access to Federal Reserve reserves, FDIC insurance for deposits, and the authority to offer crypto-collateralized loans. This strategic play not only enhances XRP's utility but also signals a significant step toward mainstream adoption of digital assets. The move underscores Ripple's commitment to disrupting traditional finance while operating within regulatory frameworks, potentially setting a precedent for other crypto enterprises. If successful, this could catalyze a new era of institutional crypto integration, with XRP serving as a bridge asset between two previously siloed financial systems.

Ripple Seeks U.S. Banking Charter in Historic Move to Disrupt Traditional Finance

Ripple is poised to rewrite financial history by pursuing a U.S. banking charter and Federal Reserve master account—a first for any crypto-native company. Approval WOULD grant direct Fed reserve access, FDIC insurance for deposits, and authority to offer crypto-collateralized loans. The move strategically positions XRP at the intersection of decentralized finance and regulated banking.

The charter would unlock integrated cross-border payment infrastructure with on-chain settlement capabilities. Market observers note this could erode traditional banks' dominance in correspondent banking and remittances. Regulatory approval may establish 2025-2026 as inflection years when legacy financial infrastructure began yielding to blockchain-based alternatives.

Reddit Users Debate Holding XRP on Robinhood Amid Security Concerns

Investors are questioning the wisdom of holding XRP on Robinhood after a Reddit user raised concerns about platform restrictions during volatile market conditions. The discussion highlighted Robinhood's controversial history, including account lockouts and trading halts during the 2021 GameStop saga.

Multiple users reported losing access to assets during critical moments, with one stating it took years to regain control. The lack of full wallet functionality and Robinhood's custodial model emerged as key pain points, particularly for those anticipating another XRP rally.

Alternative platforms like Uphold and Kraken gained endorsement for offering direct wallet access and more transparent operations. Kraken's security features and Uphold's XRP integration were specifically praised, contrasting sharply with Robinhood's track record of intervention during market movements.

BitMEX First to Support RLUSD as Margin for Crypto Derivatives

BitMEX has become the first cryptocurrency exchange to list Ripple USD (RLUSD) as a margin currency for derivatives trading. The Seychelles-based platform announced the integration on May 20, with trading going live on May 22 as part of its Multi-Asset Margining system.

The stablecoin, pegged 1:1 to the U.S. dollar, can now be used as collateral for crypto contracts. BitMEX also enabled spot trading for RLUSD, supporting deposits via both ERC-20 and XRPL networks. A promotional campaign offering 15,000 RLUSD in rewards accompanied the launch.

This move marks a significant expansion of stablecoin utility in derivatives markets. RLUSD joins a growing list of digital assets bridging traditional finance with crypto trading mechanisms.

XRP Advocates Predict Major Wealth Shift as Ripple Expands Blockchain Solutions

XRP proponents are doubling down on their conviction that the digital asset will play a pivotal role in reshaping global finance. Ripple's continued expansion of blockchain-based payment solutions using XRP for faster, cheaper transactions is gaining institutional attention.

Market analysts observe a growing narrative that XRP isn't merely competing with legacy financial systems but actively displacing them. The asset remains significantly below its all-time high despite demonstrating strong technological fundamentals and real-world utility in cross-border settlements.

Community leaders warn that dismissing XRP's potential now could mean missing what they describe as a generational wealth transfer opportunity. Financial institutions are reportedly exploring XRP for treasury operations as the network's efficiency advantages become increasingly apparent.