Brad Garlinghouse, XRP CEO, just announced that Ripple has received conditional approval from the U.S. Office of the Comptroller of the Currency (OCC) to establish a national trust bank called “Ripple National Trust Bank.”
Yes, you heard it right: XRP is opening its own bank. They have come a long way.
This is a major milestone: Ripple is now establishing a federally regulated U.S. bank, with a focus on stablecoins and digital assets. Their stablecoin, RLUSD (Ripple USD), will be backed and supervised by both federal regulators (OCC) and the New York Department of Financial Services (NYDFS) — two of the strictest financial regulators in the U.S.
HUGE news! @Ripple just received conditional approval from the @USOCC to charter Ripple National Trust Bank. This is a massive step forward – first for $RLUSD, setting the highest standard for stablecoin compliance with both federal (OCC) & state (NYDFS) oversight.
To the…
— Brad Garlinghouse (@bgarlinghouse) December 12, 2025
DISCOVER: Top Solana Meme Coins to Buy in 2025
Brad Garlinghouse Fires Back At The Traditional Banking
Brad credits recent pro-crypto legislation (the “GENIUS Act” passed in July 2025) for making this kind of regulatory clarity possible.
He takes a jab at traditional banking lobbyists: he says the crypto industry is now following the same strict rules that banks do, so if banks are still complaining or resisting, it’s not about safety or compliance anymore, it’s just fear of competition.
Garlinghouse is essentially saying: “We’ve done everything the old banks do, and more. The future is here, and the incumbents don’t like it.”
XRP Price Prediction: Will This News Send XRP Past $3
Upon this massive news, XRP price now has one job, which is to hold above $2.00.
This XRPUSDT 15-minute chart is showing a clean bullish pennant forming after a strong bounce off the $1.98 area, labeled as a strong low. Price pushed higher impulsively, then started compressing between higher lows and lower highs, which is classic continuation behavior.
XRP is holding above the short-term moving averages, with the EMA cluster starting to curl upward and price staying supported around $2.03 to $2.04, which keeps the structure constructive.
As long as this lower trendline holds, the bias favors an upside break, with the measured move pointing toward the $2.10 to $2.12 zone. A clean breakout with volume would confirm continuation, while a loss of the pennant support would invalidate the setup and bring a retest of the $2.00 area back into focus.
Well, What About Long Term?
(Source: Jaydee on X)
This XRP chart explains the long-term price action view better.
is basically showing the same structural behavior repeating across cycles. On the monthly timeframe, XRP has respected a rising white trendline for over a decade, with price repeatedly pulling back into that support before major upside expansions.
The yellow line is the 21-month EMA, and the key detail here is that in late 2017, XRP tagged the 21M EMA, held the rising trendline, and then went on a parabolic move into all-time highs. Fast forward to December 2025, and you are seeing a very similar setup.
XRP has once again pulled back into the 21M EMA, stayed above the long-term rising trendline, and is now consolidating right below a major horizontal resistance zone around $2.10 to $2.20. The fact that price is holding above both dynamic supports suggests this is consolidation, not distribution.
If history rhymes, sustained acceptance above this range opens the door for a long-term breakout phase, while losing the white trendline would be the first real warning that the cycle structure is breaking. As it stands, this is a high timeframe bullish structure that is still intact, with momentum favoring continuation as long as XRP stays above the 21M EMA and the rising base.
DISCOVER: Top Solana Meme Coins to Buy in 2025
Maxi Doge: The High-Beta Meme Play Traders Are Rotating Into Early
While XRP grabs headlines with bank licenses and regulatory milestones, speculative capital is already hunting for the next high-beta opportunity. That is where Maxi Doge is starting to stand out.
Maxi Doge is a Dogecoin-inspired meme project built for pure momentum traders. No forced utility story, no fake narratives. It leans fully into meme culture with its jacked “gym bro” Doge mascot and a community-driven, risk-on mindset that thrives during rotation phases.
Despite launching during a choppy market, Maxi Doge has already raised over $4.29M, showing strong early demand even while broader memecoin sentiment remains muted. One of the biggest draws is the token distribution. Around 40% of the total supply was allocated directly to the public presale, with no VC or private rounds, which helps limit insider sell pressure once it lists.
Staking is another key angle. Maxi Doge is offering up to 72% APY for early holders, allowing presale buyers to earn yield while waiting for the next wave of meme speculation to return.
Interested buyers can join the Maxi Doge presale using ETH, USDT, BNB, or a credit card directly through the official website.
Visit MAXI Doge HereDISCOVER: Best Meme Coin ICOs to Invest in 2025
Join The 99Bitcoins News Discord Here For The Latest Market Updates
Key Takeaways
- Ripple securing conditional OCC approval to launch a national trust bank is a major regulatory milestone that strengthens XRP’s long term fundamentals
- XRP’s chart structure remains bullish as long as price holds above $2.00, with both short term and long term setups pointing toward potential continuation.
Why you can trust 99Bitcoins
Established in 2013, 99Bitcoin’s team members have been crypto experts since Bitcoin’s Early days.
Weekly Research
100k+Monthly readers
Expert contributors
2000+Crypto Projects Reviewed
