Ripple National Trust Bank (RNTB)
institutionMoney & Finance
For the first time, a crypto company got a real US bank charter, one foot fully inside the federal system.
Who they are
Ripple National Trust Bank, a federally chartered trust bank approved by regulators.
What they do
The engine treats it as the first digital-asset firm to get inside the official US banking perimeter.
How it works
The OCC conditionally approved its limited-purpose national trust charter on December 12, 2025, authorizing digital-asset custody, collateral trustee services, and reserve management; an April 1, 2026 rule change enabled non-fiduciary custody, and Ripple then applied for a Federal Reserve master account for direct access to the Fed's Fedwire and FedNow payment rails.
Why it matters
It matters because it's the breakthrough moment when crypto stopped being outside the banking system and got a seat inside it.
The engine's record — word for word
OCC-conditionally-approved national-trust-bank charter (Dec 12 2025). Limited-purpose federally chartered trust authorized for digital asset custody, collateral trustee services, reserve management within US federal banking perimeter. First digital-asset firm inside the OCC perimeter. April 1 2026 OCC 12 CFR 5.20 amendment operationalizes non-fiduciary custody. Ripple subsequently applied for Federal Reserve master account → direct Fedwire/FedNow access.
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