XRP Set to Soar on Ripple Bank Charter Decision in 2 Days

Ripple bank charter approval is expected within 48 hours as the Office of the Comptroller of the Currency concludes its 120-day review of Ripple National Trust Bank. The October 30, 2025 deadline marks a critical moment for XRP price prediction, and the OCC charter update could potentially trigger significant market movements while also positioning XRP as a direct SWIFT competitor.

Ripple National Trust Bank## Ripple Bank Charter & ETF Decision May Trigger XRP Price Rally

Source: Watcher.GuruSource: Watcher.Guru### Ripple Bank Charter Approval Timeline and Leadership

The Ripple National Trust Bank application was actually filed on June 30, 2025, along with documents that were signed by Chief Legal Officer Stuart Alderoty and also Institutional Strategy head Timothy Keaney. Right now, the leadership structure includes John McDonald as President, and John Zavaglia will serve as Chief Operating & Trust Officer at the proposed bank location in New York.

Ripple’s 120-day review for its National Bank license ends in 2 days

The full leadership lineup for (RNTB):

John (Jack) McDonald – President
John Zavaglia – Chief Operating & Trust Officer
️ Stuart Alderoty – Chief Legal Officer
Timothy Francis Keaney –… pic.twitter.com/CFLClcKRSa

— Xaif Crypto| (@Xaif_Crypto) October 28, 2025

Ripple’s 120-day review for its National Bank license ends in 2 days

The full leadership lineup for (RNTB):

John (Jack) McDonald – President
John Zavaglia – Chief Operating & Trust Officer
️ Stuart Alderoty – Chief Legal Officer
Timothy Francis Keaney –… pic.twitter.com/CFLClcKRSa

Crypto analyst Xaif stated:

“Ripple’s 120-day review for its National Bank license ends in 2 days.”

“Ripple’s 120-day review for its National Bank license ends in 2 days.”

The OCC charter update has been monitored closely by XRP holders, as the Ripple bank charter approval could validate the company’s regulatory approach.

BOOOOOOOOOOOOOOOOOOM!!!@Ripple’s OCC banking license application is now available for public review! #XRP

RIPPLE NATIONAL TRUST BANK pic.twitter.com/0H3YIEzZA6

— JackTheRippler ️ (@RippleXrpie) October 5, 2025

BOOOOOOOOOOOOOOOOOOM!!!@Ripple’s OCC banking license application is now available for public review! #XRP

RIPPLE NATIONAL TRUST BANK pic.twitter.com/0H3YIEzZA6

XRP Price Prediction Following Charter Decision

The XRP ETF decision, which is being considered alongside Ripple bank charter approval, actually presents dual catalysts for potential price movement. Some analysts believe the Ripple National Trust structure would provide regulated pathways for institutions to custody digital assets and even process cross-border settlements more efficiently.

XRP price chart displaying current trading price of $2.97 with market cap of $178.28B – Source: CoinMarketCapXRP price chart displaying current trading price of $2.97 with market cap of $178.28B – Source: CoinMarketCapAt the time of writing, market participants are weighing different scenarios around the OCC charter update. The XRP price prediction models factor in potential approval, which could accelerate institutional partnerships with major banks looking for compliance-assured blockchain solutions.

Also Read: Ripple (XRP) Could Skyrocket This November, Here’s the Target Analysts See

**Also Read:**Ripple (XRP) Could Skyrocket This November, Here’s the Target Analysts See### Ripple National Trust as SWIFT Alternative

Ripple bank charter approval would enable the company to compete directly with SWIFT’s payment infrastructure. We’ve all been waiting for this! The approval could position Ripple National Trust as an alternative combining regulatory compliance along with blockchain efficiency.

Xaif had this to say:

“Banks don’t need SWIFT anymore the future is Ripple + XRP. With ISO 20022 integration, XRP can settle massive transactions instantly.”

“Banks don’t need SWIFT anymore the future is Ripple + XRP. With ISO 20022 integration, XRP can settle massive transactions instantly.”

Some industry Analysis shows substantial cost advantages. A $1 million transaction through traditional banking channels costs around $1,000 in fees. The same transaction processed via Ripple’s network actually costs less than $10. Even with Ripple’s margins, total costs stay around $200.

Analysis

BREAKING: Documents signed by Stuart Alderoty and Timothy Keaney on June 30, 2025.

Deadline: 120 days after signature. October 2025!

RIPPLE NATIONAL TRUST BANK #XRP pic.twitter.com/WjaQ6oYfn2

— JackTheRippler ️ (@RippleXrpie) October 6, 2025

BREAKING: Documents signed by Stuart Alderoty and Timothy Keaney on June 30, 2025.

Deadline: 120 days after signature. October 2025!

RIPPLE NATIONAL TRUST BANK #XRP pic.twitter.com/WjaQ6oYfn2

The XRP ETF decision timeline also aligns with this critical period, which could amplify the overall impact on market positioning.

Also Read: Multi-Millionaire Tells XRP Investors: I Told You So, Price Rising

Also Read: Multi-Millionaire Tells XRP Investors: I Told You So, Price RisingThe 48-hour window creates urgency right now. The intersection of Ripple bank charter approval and the XRP ETF decision could redefine how institutions access XRP.