Based on reliable and special information up to today, December 13, 2025, I present to you this brief financial report on $XRP , which focuses on what directly matters to your investment portfolio. Many of you may be aware of this, but there are those who are unaware of these details:
1. Exclusive news: the conditional approval for the "Ripple National Bank"
The most important current news is that the Office of the Comptroller of the Currency (OCC) approved yesterday, Friday, the granting of Ripple a "conditional approval" to establish the "Ripple National Bank."
* What is the importance of this news? This step places Ripple in the same category as national banks like Circle, transforming it from just a cryptocurrency company to a federally licensed financial institution.
* Legal context: This approval comes in accordance with the "Genius Act" that was issued last July to regulate stablecoins, providing a strong legal basis for Ripple's operations.
2. Institutional money flows
* Exchange-Traded Funds (ETFs): The latest data shows that XRP trading funds are nearing attracting financial flows worth one billion dollars.
* New player: 21Shares has launched a new fund with the symbol $TOXR, increasing institutional buying volume in the market.
* Leaders: The "Canary Capital" fund leads the scene with the largest share of assets, followed by the "Grayscale" fund.
3. Current XRP price analysis
Despite this strong news, the price of XRP remains stable at the level of $2.00 - $2.01.
* Why hasn’t the price increased? The market is currently suffering from "crypto fatigue." Institutional investors are slowly buying through index funds, while individual investors are waiting for a significant surge before entering.
* Current status: The price is facing strong resistance at $2.20. Breaching this level is a prerequisite for the price to break free from its current range.
4. Update on the SEC lawsuit
As a reminder, the major lawsuits file was closed last August after a fine of $125 million was paid. Any current rumors about "new lawsuits" are just baseless noise, as the legal status of XRP has been settled as a "commodity" when sold to individuals.
And finally:
The most important news today is Ripple's transformation into a federal banking entity. The market has not fully absorbed this news yet, as liquidity is currently flowing towards new index funds.
Advice:
Monitor the trading volume on my funds $TOXR and Canary. If you notice an increase in trading volumes, it means that large investors (whales) on Wall Street have started buying, and the price is likely to follow later.
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