XRP Grabs Fresh Means to Win

Key Points

1. Basel III, set for full implementation by 2025, requires banks to hold capital equal to 100% of the value of crypto assets like XRP, increasing pressure on banks.

2. Ripple's XRP provides instant settlement as a bridge asset, eliminating the need for pre-funded nostro accounts and reducing capital costs for banks.

3. Ripple applied for a national trust bank charter with the OCC in July 2025, aiming to offer custody for digital assets, stablecoin issuance, and potential access to Federal Reserve settlement systems.

4. A 2017 BIS report hinted at the potential for XRP to improve capital efficiency in banking, a theory now being realized as banks face stricter regulations.

5. XRP's utility as a settlement asset could become indispensable for banks as capital regulations tighten, especially with regulatory clarity and federal backing.