SAN FRANCISCO – In a landmark conclusion to 2025, XRP has solidified its position as a cornerstone of the digital asset market, successfully maintaining a $2.00 price floor following a series of transformative regulatory victories. The stability comes on the heels of the U.S. Office of the Comptroller of the Currency (OCC) granting conditional approval for Ripple to establish the Ripple National Trust Bank, a move that effectively integrates the blockchain pioneer into the federal banking system. This regulatory “nod” has served as a massive catalyst for institutional adoption, providing the legal certainty long demanded by Wall Street’s largest players.
The primary driver behind XRP’s recent resilience was the December 12, 2025, announcement by the OCC granting Ripple a de novo national trust bank charter. Under the name Ripple National Trust Bank (RNTB), the company is now authorized to act as a fiduciary and manage reserves for its USD-backed stablecoin, RLUSD, under direct federal supervision. This milestone was made possible by the “Generating Enhanced National Infrastructure for Unprecedented Stablecoins” (GENIUS) Act, which was signed into law in July 2025. The act provided the necessary legal bridge for crypto-native firms to transition into federally regulated financial institutions, placing Ripple in the same regulatory tier as traditional giants.
The timeline leading to this moment was marked by a rapid-fire series of ETF launches throughout November. The Bitwise XRP ETF, notably trading under the single-letter ticker “XRP” on the New York Stock Exchange, became a focal point for liquidity. By mid-December, these products had collectively absorbed over 1 billion XRP tokens into cold storage, significantly tightening the available supply on exchanges. This structural demand has created a “supply shock” that analysts believe is responsible for XRP holding the $2.00 level even as broader markets experienced year-end volatility.
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