XRP news today: Ripple got final OCC approval for Ripple National Trust Bank, and the XRP price rose a “similar” 3%, right in step with Bitcoin. So why didn’t XRP’s biggest win ever move the price?
This video is sponsored by FortisX. Learn more: https://fortisx.fi/x/danalovephd
Dana Love, PhD breaks down why. The Ripple Bank charter was conditionally approved on December 12, 2025, so the market had 10 months to price it, and the OCC letter shows the bank was built to custody RLUSD reserves, not to take deposits or make loans. Dr. Love shows the one real ripple xrp win of Swell week, BNY custodying XRP by name, then follows the money: flat XRP ETF flows, 6 billion XRP sent to exchanges, falling leverage, and a whale headline that counts two Ripple escrow wallets. He covers what Scott Bessent said on Ripple’s stage, what he didn’t say about XRP, and why agency action after the failed CLARITY Act matters for the XRP price. Then his take: odds that Ripple National Trust Bank ever holds RLUSD, or XRP, for an outside institution, ahead of his Friday xrp price prediction update.
Subscribe for more crypto policy, news deep dives, blockchain project reviews, and random comments from an economist and crypto native.
BUY DANA’S BOOK (THE TOKEN TRAP) ON AMAZON https://www.amazon.com/dp/B0GRN1XPFT
DANA HAS A CHANNEL ABOUT AI https://youtube.com/@ClosedSourceAI
LEARN MORE https://www.thetokentrap.com https://www.danalove.com https://www.x.com/DanaFLove https://www.linkedin.com/in/danalove
SPONSOR This video is sponsored by FortisX. Learn more: https://fortisx.fi/x/danalovephd
CHAPTERS
00:00 XRP News Today: Ripple Got a Bank. XRP Got 3%.
04:31 Ripple Bank Charter: The News Was 10 Months Old
07:28 Ripple XRP: What the Bank Actually Does for XRP
10:21 XRP Price: Follow the Money, Not the Headlines
13:37 Scott Bessent: Treasury’s Plan B After the CLARITY Act
16:21 My Take: Who Puts XRP in the Vault
SOURCES
Ripple, final OCC approval for Ripple National Trust Bank, Oct 26, 2026: https://ripple.com/ripple-press/ripple-receives-final-occ-approval-to-establish-national-trust-bank/
OCC News Release 2025-125, five conditional trust bank approvals, Dec 12, 2025: https://www.occ.gov/news-issuances/news-releases/2025/nr-occ-2025-125.html
OCC conditional approval letter, Ripple National Trust Bank: https://www.occ.gov/news-issuances/news-releases/2025/nr-occ-2025-125b.pdf
The Block, Ripple final OCC approval and trust charter limits, Oct 26, 2026: https://www.theblock.co/news/regulation/2026-10-26-ripple-gains-final-occ-approval-rlusd-431810
CoinDesk live updates, XRP “a similar 3%,” Oct 28, 2026: https://www.coindesk.com/business/2026/10/28/live-updates-bitcoin-climbs-above-usd81-000-as-majors-rally-ahead-of-fed-decision
The Crypto Basic, XRP price Oct 26, 2026: https://thecryptobasic.com/2026/10/26/xrp-could-slide-22-if-large-investors-keep-selling/
crypto.news, XRP 30-day decline: https://crypto.news/xrp-price-prediction-whale-accumulation-130-support/
PANews, XRP ETF flows Oct 26 (SoSoValue): https://panews.io/articles/01a17b11-ed02-70a9-927c-5de3e1df6f04
TokenPost, XRP ETF flows Oct 27 (SoSoValue): https://www.tokenpost.com/news/investing/42309
Ripple and BNY, XRP and RLUSD custody: https://ripple.com/ripple-press/ripple-expands-collaboration-with-bny-across-custody-and-tokenized-trade-finance/
Ripple and Robinhood: https://ripple.com/ripple-press/ripple-and-robinhood-partner-to-power-the-next-generation-of-finance/
Ripple and Coinbase, RLUSD: https://ripple.com/ripple-press/ripple-and-coinbase-partner-to-expand-access-to-rlusd/
Ripple and C2FO: https://ripple.com/ripple-press/c2fo-and-ripple-partner-to-modernize-trade-finance-using-the-xrp-ledger/
Ripple, $900M product revenue run rate: https://ripple.com/ripple-press/ripple-reports-banner-year-approaching-900m-product-revenue-run-rate-signs-multi-solution-partnerships/
U.Today, Garlinghouse at Swell: https://u.today/we-will-never-give-up-on-xrp-ripple-ceo-ends-speculations
Cointelegraph, XRP exchange inflows (CryptoQuant): https://cointelegraph.com/markets/xrp-30-day-exchange-inflows-pass-6b-tokens-as-whales-move-to-the-sidelines
Bitcoin.com News, whales to Binance (CryptoQuant): https://news.bitcoin.com/xrp-whales-move-1-67-billion-tokens-to-binance-as-price-slips/
Coinpedia, Binance XRP open interest (CryptoQuant): https://coinpedia.org/news/xrp-open-interest-drops-28-on-binance-cryptoquant-hints-at-recovery/
Bloomingbit, Santiment whale share Oct 26, 2026: https://en.bloomingbit.io/feed/news/122998
Santiment, whale share May 2026: https://app.santiment.net/insights/read/xrp-ledger-sees-its-elite-whales-accumulating-to-an-8-year-high-10847
XRPSCAN, Ripple (10): https://xrpscan.com/account/r9UUEXn3cx2seufBkDa8F86usfjWM6HiYp
XRPSCAN, Ripple (11): https://xrpscan.com/account/rB3WNZc45gxzW31zxfXdkx8HusAhoqscPn
Dana Love, PhD, XRP escrow video, Oct 13, 2026: https://www.youtube.com/watch?v=ijgqkddNKfQ
