Ripple Labs, the company that issues the XRP cryptocurrency, is at a critical point in its history as it waits to see if it will become part of the U.S. banking system.
On June 30, 2025, the company requested the Office of the Comptroller of the Currency (OCC) to establish Ripple National Trust Bank.
If given the green light, it will operate as a national trust bank regulated at the federal level, CriptoNoticias reported. this is very groundbreaking Both for businesses and the digital asset ecosystem.
Sal Gilbertie, CEO of Teucrium Trading, has no hesitation in saying of Ripple Labs: If the price of XRP triples, the company could become a leading bank.
“Once Ripple receives its banking license, it will stop selling XRP to end the oversupply and capitalize the bank.
To put that in perspective, JPMorgan, the largest company in the United States, has a market capitalization of more than $819 billion.
According to Sal Gilberti’s predictions, if XRP triples in price and Ripple stops selling coins to capitalize the bank, the company could approach that level. Become a significant competitor within the traditional financial system.
“Once they get their banking license, they will have incredibly deep capital. Why would they want to sell XRP? They will hold on to it even if the value goes up,” he added.
“Ripple is a machine”
In that sense, Mr. Gilberti emphasized that the company, led by Brad Garlinghouse, relies on XRP ledger technology and a reliable regulatory framework to build a strong and well-capitalized financial institution.
Additionally, he highlighted the work done by the Ripple team, describing it as a “machine”. “I just think Ripple is at the center of the universe,” he said.
His argument is based on the fact that the XRP Ledger works with both the digital asset ecosystem and the traditional financial system. This positions Ripple as an important player in the medium to long term. We have the ability to influence the evolution of financial services.
As an example, Gilberti cited RippleNet, a payments network that connects banks and financial institutions and allows money to be sent around the world quickly, cheaply and securely, without necessarily requiring the use of XRP.
“Most companies are using RippleNet in a more traditional way so that information flows more accurately. I think the CLARITY Act will accelerate use cases for XRP. People will no longer be afraid to hold XRP and other tokens on their balance sheets,” he added.
As reported by CriptoNoticias, The CLARITY Act seeks to define what an asset is. Goods (product) and its contents Securities (Securities). It also proposes establishing an oversight role between the Securities and Exchange Commission (SEC) and the Commodity Futures Trading Commission (CFTC).
In this way, regulatory duplication that created uncertainty is eliminated. Note that although the project has been approved by the House of Representatives, it still needs a vote in the Senate to become law.
Apart from Gilberti’s optimism, what is concrete is that Ripple’s evolution depends on both banking license approval and regulatory clarity regarding digital assets, and these factors will define its future role in the financial system.
(Tag translation) Altcoin
