Ripple macht den nächsten Schritt: US-Banklizenzantrag könnte Krypto-Landschaft revolutionieren

Ripple geht in die Offensive – der Krypto-Riese hat offiziell eine US-Banklizenz beantragt. Ein strategischer Schachzug, der die Grenzen zwischen traditionellem Finanzsystem und Blockchain weiter verwischt.

Warum jetzt? Die SEC-Klage liegt hinter ihnen, der XRP-Preis zeigt Bullensignale – perfekter Zeitpunkt, um die Bankenbranche aufzumischen. Wer braucht schon SWIFT, wenn man Blockchain hat?

Banken zittern bereits: Ripples Technologie könnte teure Legacy-Systeme obsolet machen. Aber hey – wer nicht mit der Zeit geht, geht mit der Zeit. Besonders im trägen US-Finanzsektor.

Das Finanzamt wird sich freuen: Endlich eine Bank, die Überweisungsgebühren in Sekundenschnelle statt in Tagen abkassiert – nur diesmal dezentral und mit Krypto-Flair.

Ripple seeks further proof of RLUSD reliability

The co-founder and CEO of Ripple, Brad Garlinghouse, reiterated the backing of RLUSD as one of the main motivators to seek a bank license. Ripple seeks a national bank charter from the OCC, meaning compliance with both state and federal oversight. 

Garlinghouse recalled Ripple also sought out a Fed Master Account, meaning RLUSD reserves could also be stored directly with the Fed. 

True to our long-standing compliance roots, @Ripple is applying for a national bank charter from the OCC. If approved, we would have both state (via NYDFS) and federal oversight, a new (and unique!) benchmark for trust in the stablecoin market.

Earlier in the week via… https://t.co/IdiR7x3eWZ

— Brad Garlinghouse (@bgarlinghouse) July 2, 2025

Ripple has always kept close to banking institutions, granting its XRPL technology as an alternative to SWIFT payments. XRP was also viewed as a ‘bankers’ coin’ in the past, as Ripple aimed to augment banking, instead of disrupting it entirely. 

Ripple has been categorized as a digital ‘neobank’ despite its lack of an official license. Based on its current services, which include remittances, lending, asset storage, payments, and other features, Ripple has been deemed the equivalent of a banking company. Ripple also partners with other payment providers like OpenPayd to move fiat and expand the reach of RLUSD. 

Ripple’s XRP rallies on news of banking application

XRP immediately reacted to the news of the banking license application, rising from its sideways movement. XRP expanded from recent lows around $2.17 up to $2.26 before taking a step back. 

XRP open interest also rose to $1.8B, from levels of around $1.68B. The asset still sees 75% long positions, though the recent rally mostly liquidated short positions on Binance. The asset still awaits a breakout to a much higher range.

The Ripple community was overall enthusiastic about the banking license, showing the mainstream acceptance of the platform. The role of XRP remains limited, as Ripple can handle payments even without the asset, but trading remains highly liquid and the token has shown the ability to outperform based on general market hype.

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