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 在美國加密貨幣監管領域扮演著核心角色。最近的一篇文章指出，《數字資產市場透明度法案》（Digital Asset Market CLARITY Act）的頒佈是一項重要舉措，可以加速……

<div><div><p>Ripple 在美國加密貨幣監管領域扮演著舉足輕重的角色。最近的一篇文章指出，《數字資產市場透明度法案》（Digital Asset Market CLARITY Act）的頒佈是一項重要舉措，有望加速 Ripple 進軍銀行業。尤其值得關注的是，Ripple 國民信託銀行（RNTB）的成立已成為焦點。這家擬建機構將以國民信託銀行的名義運營。這將對 Ripple 的地位產生重大影響。因此， <span>XRP</span>持有者們正密切關注著事態發展。</p><adv/><blockquote><p> 🚨 <span>$ XRP</span> ：CLARITY 法案簽署生效 = Ripple 全面批准 RNTB（銀行牌照）🏛 敬請關注… pic.twitter.com/AmvPWh49ki</p> — 🇬🇧 ChartNerd 📊 (@ChartNerdTA) 2026年2月12日</blockquote><adv/><h2>Ripple銀行在全球範圍內的特許經營權</h2><p>Ripple已提交申請，擬設立一家國家信託銀行。該軟件的目標服務是信託服務，而非傳統的零售銀行業務。但其影響遠不止於託管。有效的特許經營權可能使其與美聯儲的支付系統直接對接。如此一來，Ripple將最大限度地減少對中介機構的使用，並提升其在美國金融體系中的合規性。而<span>XRP</span>則有望在受監管的支付領域發揮更積極的作用。</p><h2> 《清晰法案》</h2><p> 《CLARITY法案》將明確美國證券交易委員會（SEC）和商品期貨交易委員會（CFTC）之間的管轄權，並規範數字資產的分類。一旦該法案簽署成為法律，監管方面的模糊性將迅速減少。這種透明度有望消除阻礙特許經營權審批流程的障礙。因此，Ripple的RNTB申請或許能夠順利獲得監管機構的批准。然而，截至2026年2月12日，該法案尚未簽署，生效時間仍存在不確定性。</p><h2>進入後美國證券交易委員會時代戰略</h2><p>這與Ripple的整體戰略相符，Ripple此前曾與美國證券交易委員會（SEC）長期抗爭。Ripple並沒有抵制監管，而是積極擁抱監管。該公司正大力融入美國金融體系。獲得銀行地位將使這一轉變正式化。與此同時， <span>XRP</span>更有可能獲得更有利的法律​​待遇，並提升其機構信譽。這種共識可能會改變銀行和商業領域對基於<span>XRP的</span>基礎設施概念的看法。</p><p>儘管市場情緒樂觀，但交易員們依然保持謹慎。他們深知投機與法律之間的區別。在《CLARITY法案》正式簽署之前，一切都無法保證。該法案仍需經過多項監管審批。即便如此，形勢已經明朗。政策勢頭正在增強。Ripple已做好準備。對於<span>$ XRP</span>，這並非炒作，而是監管領域發展的一個重大轉折點。</p></div></div>

《CLARITY法案》或將為Ripple解鎖銀行牌照。

原文作者：何浩，華爾街見聞
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