Ripple is the latest crypto firm seeking to make headway into traditional finance (TradFi). The crypto firm has reportedly applied for a banking license, which will change the dynamics of its operatio...

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                            <p>Ripple is the latest crypto firm seeking to make headway into traditional finance (TradFi). The crypto firm has reportedly applied for a banking license, which will change the dynamics of its operations in terms of regulation.</p><div/>
<h2>Ripple Applies For A National Banking License</h2>
<p>According to <a href="https://www.wsj.com/finance/regulation/ripple-seeks-a-u-s-banking-license-adding-to-list-of-crypto-companies-e007afa4">a WSJ report</a>, the crypto firm has applied for a national banking license, joining the likes of USDC issuer Circle, which is also looking to break into mainstream finance. Ripple filed its application today with the US Office of the Comptroller of the Currency (OCC).</p><div/>
<p>This comes just two days after <a href="https://coingape.com/just-in-circle-moves-to-secure-us-trust-bank-license/">Circle filed for a national trust bank license</a>. The report noted that Ripple, which issues the RLUSD stablecoin, is currently subject to the New York Department of Financial Services.</p>
<p>However, just Circle, that would also change for the crypto firm as a national banking license would put the RLUSD stablecoin under the OCC’s regulatory purview. Commenting on this potential change, Jack McDonald, senior vice president of stablecoins at the firm, said,</p>
<blockquote><p>The dual nature of that regulation would basically have set a new bar for transparency and compliance in the stablecoin market</p></blockquote>
<p>Meanwhile, Ripple CEO Brad Garlinghouse has also confirmed that the company has filed for a banking license. In an <a href="https://x.com/bgarlinghouse/status/1940454339207667941">X post</a>, he stated that true to their long-standing compliance roots, they have applied for a national bank charter from the OCC.</p><div/><div/>
<p>He further noted that if approved, they would have both state, via the NYDFS, and federal oversight, which is a “new and unique” benchmark for trust in the stablecoin market.</p>
<p>The Ripple CEO also revealed that they have applied for a Fed Master account through their subsidiary, Standard Custody &amp; Trust Company. He remarked that this would enable them to hold RLUSD reserves directly with the Federal Reserve, providing an additional layer of security to future-proof trust in RLUSD.</p>
<p>Lastly, he declared that his firm has always had and will continue to build a “trusted, battle-tested and secure infrastructure.” According to Garlinghouse, RLUSD stands out in the $250 billion stablecoin market for putting regulation first and setting the standard that institutions expect.</p>
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Breaking: Ripple Applies For US Banking License And Fed Master Account

Ripple是最新一家尋求進軍傳統金融（TradFi）的加密貨幣公司。據報道，這家加密貨幣公司已申請銀行牌照，這將改變其運營模式……

<div><div></div><p>Ripple是最新一家尋求進軍傳統金融（TradFi）的加密貨幣公司。據報道，這家加密貨幣公司已申請銀行牌照，這將改變其在監管方面的運營模式。</p><div/><h2> Ripple 申請國家銀行牌照</h2><p>據<a href="https://www.wsj.com/finance/regulation/ripple-seeks-a-u-s-banking-license-adding-to-list-of-crypto-companies-e007afa4">《華爾街日報》報道</a>，這家加密貨幣公司已申請國家銀行牌照，加入USDC發行商Circle等尋求進軍主流金融領域的行列。Ripple今日向美國貨幣監理署（OCC）提交了申請。</p><div/><p>就在兩天前， <a href="https://coingape.com/just-in-circle-moves-to-secure-us-trust-bank-license/">Circle 申請了國家信託銀行牌照</a>。報道指出，發行 RLUSD 穩定幣的 Ripple 目前受紐約金融服務部監管。</p><p>然而，對於加密貨幣公司Circle來說，情況也會發生變化，因為獲得國家銀行牌照將使RLUSD穩定幣受到OCC的監管。Circle穩定幣高級副總裁Jack McDonald在評論這一潛在變化時表示：</p><blockquote><p>該法規的雙重性質基本上為穩定幣市場的透明度和合規性設定了新的標準</p></blockquote><p>與此同時，Ripple 首席執行官布拉德·加林豪斯 (Brad Garlinghouse) 也確認公司已申請銀行牌照。他在一篇<a href="https://x.com/bgarlinghouse/status/1940454339207667941">X 帖子</a>中表示，秉承其長期以來的合規理念，Ripple 已向美國貨幣監理署 (OCC) 申請國家銀行牌照。</p><div/><div/><p>他進一步指出，如果獲得批准，他們將通過紐約州金融服務部 (NYDFS) 接受州和聯邦政府的監督，這是穩定幣市場信任的“全新且獨特”的基準。</p><p> Ripple 首席執行官還透露，他們已通過其子公司 Standard Custody &amp; Trust Company 申請了美聯儲主賬戶。他表示，這將使他們能夠直接在美聯儲持有 RLUSD 儲備，從而為 RLUSD 的未來信託提供額外的安全保障。</p><p>最後，他宣佈，他的公司一直以來都致力於構建“值得信賴、久經考驗且安全的基礎設施”，並將繼續如此。Garlinghouse 表示，RLUSD 在規模 2500 億美元的穩定幣市場中脫穎而出，因為它將監管放在首位，並制定了機構期望的標準。</p><p/><p/><p/><p/></div> 
                    

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