Thread by @XRP_investing

🚨⚠️ RIPPLE JUST APPLIED FOR A US BANK CHARTER.

This isn't just big—it could rewrite XRP's destiny.

What it actually means for XRP and RLUSD might shock you.

Let me break it down in simple terms.🧵👇🏻

1️⃣ A National Bank Status.

Ripple’s charter would put it under federal regulation—on par with JPMorgan.

This legitimizes RLUSD overnight and puts XRP under a halo of credibility.

Imagine XRP moving with the trust of traditional finance.

2️⃣ Direct Access to the Fed.

Ripple’s subsidiary is also seeking a Federal Reserve master account.

Translation?

They could hold RLUSD reserves directly with the Fed.

Zero counterparty risk. Total transparency. Bulletproof backing.

3️⃣ RLUSD becomes a killer stablecoin.

With OCC + NYDFS oversight, RLUSD becomes the stablecoin built for institutions.

Backed 1:1 with U.S. Treasuries. Possibly FDIC-insured.

Compared to USDT or USDC?

RLUSD wins on regulation, security, and trust.

4️⃣ This sets XRP up for explosive institutional adoption.

Ripple’s On-Demand Liquidity (ODL) already uses XRP.

Now add banking legitimacy + Fed connectivity = XRP looks safe to banks.

And banks are desperate for efficient cross-border payments.

5️⃣ XRP’s Utility = XRP’s Price.

More utility means more volume. More volume = more demand.

After the announcement, XRP popped 3-5%.

This is just the beginning if Ripple gets approved.

6️⃣ A threat to legacy systems.

With Ripple becoming a bank, it won’t need correspondent banks.

That’s a threat to the old guard—and a huge opportunity for XRP to replace old rails.

Cheaper. Faster. Compliant.

7️⃣ Ripple could become the first blockchain-native bank.

They’d offer custody, stablecoin issuance, real-time settlement—all on XRP Ledger.

It’s the blueprint for crypto-finance convergence.

And Ripple’s leading it.

8️⃣ Market Cap Comparison:

🔹 RLUSD: $470M
🔹 USDC: $62B
🔹 USDT: $158B

The gap is massive.

But regulation and Fed access could fuel RLUSD’s breakout—and XRP rides that wave.

9️⃣ The Big Picture.

If Ripple becomes a bank, they redefine what a "crypto company" can be.

This isn't hype—it's regulatory chess.

And XRP? It’s the piece that wins the game.

🔟 Thanks for reading!

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