Introduction
Ripple has secured a major European banking partnership and conditional U.S. regulatory approval to launch a national trust bank—both within 24 hours. Despite these significant institutional wins, the price of XRP continues to struggle, failing to hold above $2.00. The disconnect between corporate progress and token performance highlights ongoing market challenges.
Key Points
- Ripple received conditional OCC approval to operate a national trust bank, joining firms like Circle, Paxos, and Fidelity in holding such a license.
- The partnership with AMINA Bank will leverage Ripple's stablecoin to enable faster cross-border payments for the bank's clients.
- Despite spot XRP ETFs attracting close to $1 billion in inflows since launch, XRP's price has fallen from over $2.50 to around $2.04, down ~20% in a month.
A Landmark 24 Hours for Ripple
In a span of less than 24 hours, Ripple announced two major developments that underscore its aggressive institutional expansion in 2025. First, the company partnered with Swiss-based AMINA Bank. This collaboration will see AMINA Bank utilize Ripple’s stablecoin to facilitate near-real-time cross-border payments for its clients through the Ripple Payments network. This marks a significant European banking partnership for the firm.
Just hours later, Ripple CEO Brad Garlinghouse outlined what he termed ‘huge news’: the company received conditional approval from the U.S. Office of the Comptroller of the Currency (OCC) to charter a national trust bank. This regulatory milestone places Ripple alongside other established digital asset firms like Circle, BitGo, Paxos, and Fidelity, which hold similar licenses. This approval is a critical step for Ripple’s operations within the U.S. regulatory framework.
Building on a Record Year
These announcements build upon what has been described as Ripple’s best year on record. The company’s 2025 performance has been marked by strategic victories, including the conclusion of its long-running lawsuit with the U.S. Securities and Exchange Commission (SEC), the launch of multiple spot XRP exchange-traded funds (ETFs) in the United States, and major acquisitions such as Hidden Road.
Despite this corporate momentum, the performance of its associated digital asset, XRP, tells a different story. Since reaching an all-time high of $3.65 in July, the token’s value has slumped by more than 40%. Furthermore, XRP remains underwater year-to-date, a stark contrast to the company’s string of operational successes.
The Persistent XRP Price Disconnect
Major corporate news typically catalyzes positive movement in an underlying asset’s price. For XRP, this relationship has broken down. Even the launch of spot XRP ETFs, which have seen impressive inflows of nearly $1 billion, failed to sustain a price rally. In the first month following the ETF launches, XRP’s price tumbled from above $2.50 to just over $2.00.
The dual announcements on Friday concerning the AMINA Bank partnership and OCC approval also failed to stage a recovery. During a broader market correction that afternoon, XRP slipped below the $2.00 threshold for the second time in 36 hours. Although it has since reclaimed that level to trade around $2.04, the token is still down nearly 20% over the past month.
This divergence creates a complex narrative for investors. On one front, Ripple is notching significant victories in banking integration and regulatory compliance. On the other, the XRP token continues to fight for survival at the $2.00 level, losing over 40% of its value since its peak while the company behind it expands its institutional footprint. This highlights the ongoing challenges in translating corporate fundamentals into positive cryptocurrency market sentiment.
📎 Related coverage from: cryptopotato.com