Ripple is playing the center stage of regulation in crypto in the U.S. The recent post notes that the enactment of the Digital Asset Market CLARITY Act into law became an important move that can accel...

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<p>Ripple is playing the center stage of regulation in crypto in the U.S. The recent post notes that the enactment of the Digital Asset Market CLARITY Act into law became an important move that can accelerate the banking ambition of Ripple. In particular, the focus has changed to Ripple National Trust Bank (RNTB). This proposed organization would run on a national trust bank charter. That would be a significant change in the position of Ripple. Consequently, the holders of <span>$XRP</span> are keeping a close eye.</p>
<adv/><blockquote>
<p>🚨 <span>$XRP</span>: Signing the CLARITY Act into law = Ripple's Full Approval of the RNTB (Bank Charter) 🏛 Watch… pic.twitter.com/AmvPWh49ki</p>
— 🇬🇧 ChartNerd 📊 (@ChartNerdTA) February 12, 2026</blockquote>
<adv/><h2>Ripple Bank Charter in the World</h2>
<p>Ripple already submitted an application in the form of a national trust bank. The software is aimed at a trust service and not conventional retail banking. But the consequences are much further than custody. An effective charter might have a direct connection to Federal Reserve payment rails. Thus, Ripple would minimize the use of intermediaries. It would also enhance the compliance status within the U.S. financial systems. <span>$XRP</span>, in its turn, can become much more involved in regulated payments.</p>
<h2>CLARITY Act</h2>
<p>The CLARITY Act will establish a clear jurisdiction between SEC and CFTC. It would also standardize the classification of digital assets. Regulatory ambiguity would reduce rapidly in case it was signed into law. Such transparency may eliminate hurdles that delay the process of charter approvals. As a result, the RNTB application by Ripple might be taken through regulators with ease. Nevertheless, the legislation is not signed yet, as of February 12, 2026. Timing remains uncertain.</p>
<h2>Entering Post-SEC Strategy</h2>
<p>This is a step that is in line with the broad strategy of Ripple that had a long struggle with SEC. Instead of opposing regulation, Ripple is swimming into it. The company is aggressively establishing itself within the American financial structure. The change would be formalised by banking status. In the meantime, the <span>$XRP</span> would have a better chance of receiving more favorable legal treatment and have more institutional credibility. Such a consensus may alter the perceptions of the banking and business sectors towards the concept of <span>$XRP</span>-based infrastructure.</p>
<p>The markets are measured despite the optimistic atmosphere. Traders know the distinction between speculation and law. Nothing will be guaranteed until the CLARITY Act is signed. It is still subject to several regulatory gates. Even so, the setup is clear. Policy momentum is building. Ripple is prepared. For <span>$XRP</span>, this is not hype. It is a regulatory turn taking in developments.</p>

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CLARITY Act Could Unlock Ripple’s Bank Charter

Ripple 在美国加密货币监管领域扮演着核心角色。最近的一篇文章指出，《数字资产市场透明度法案》（Digital Asset Market CLARITY Act）的颁布是一项重要举措，可以加速……

<div><div><p>Ripple 在美国加密货币监管领域扮演着举足轻重的角色。最近的一篇文章指出，《数字资产市场透明度法案》（Digital Asset Market CLARITY Act）的颁布是一项重要举措，有望加速 Ripple 进军银行业。尤其值得关注的是，Ripple 国民信托银行（RNTB）的成立已成为焦点。这家拟建机构将以国民信托银行的名义运营。这将对 Ripple 的地位产生重大影响。因此， <span>XRP</span>持有者们正密切关注着事态发展。</p><adv/><blockquote><p> 🚨 <span>$ XRP</span> ：CLARITY 法案签署生效 = Ripple 全面批准 RNTB（银行牌照）🏛 敬请关注… pic.twitter.com/AmvPWh49ki</p> — 🇬🇧 ChartNerd 📊 (@ChartNerdTA) 2026年2月12日</blockquote><adv/><h2>Ripple银行在全球范围内的特许经营权</h2><p>Ripple已提交申请，拟设立一家国家信托银行。该软件的目标服务是信托服务，而非传统的零售银行业务。但其影响远不止于托管。有效的特许经营权可能使其与美联储的支付系统直接对接。如此一来，Ripple将最大限度地减少对中介机构的使用，并提升其在美国金融体系中的合规性。而<span>XRP</span>则有望在受监管的支付领域发挥更积极的作用。</p><h2> 《清晰法案》</h2><p> 《CLARITY法案》将明确美国证券交易委员会（SEC）和商品期货交易委员会（CFTC）之间的管辖权，并规范数字资产的分类。一旦该法案签署成为法律，监管方面的模糊性将迅速减少。这种透明度有望消除阻碍特许经营权审批流程的障碍。因此，Ripple的RNTB申请或许能够顺利获得监管机构的批准。然而，截至2026年2月12日，该法案尚未签署，生效时间仍存在不确定性。</p><h2>进入后美国证券交易委员会时代战略</h2><p>这与Ripple的整体战略相符，Ripple此前曾与美国证券交易委员会（SEC）长期抗争。Ripple并没有抵制监管，而是积极拥抱监管。该公司正大力融入美国金融体系。获得银行地位将使这一转变正式化。与此同时， <span>XRP</span>更有可能获得更有利的法律​​待遇，并提升其机构信誉。这种共识可能会改变银行和商业领域对基于<span>XRP的</span>基础设施概念的看法。</p><p>尽管市场情绪乐观，但交易员们依然保持谨慎。他们深知投机与法律之间的区别。在《CLARITY法案》正式签署之前，一切都无法保证。该法案仍需经过多项监管审批。即便如此，形势已经明朗。政策势头正在增强。Ripple已做好准备。对于<span>$ XRP</span>，这并非炒作，而是监管领域发展的一个重大转折点。</p></div></div>

《CLARITY法案》或将为Ripple解锁银行牌照。

原文作者：何浩，华尔街见闻
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