Regulatory and Structural Analysis of Ripple and XRP: Implications of a Potential Banking License
The discussion about the classification of XRP requires regulatory analysis, focused on the proposal of the Clarity Act in the USA. This law may stipulate that, for an asset to be classified as a commodity, no associated entity can hold more than 20% of its total supply.
The Distribution Challenge
Currently, Ripple Labs Inc. controls more than 30% of the XRP supply, representing a direct obstacle to obtaining commodity status under this rule. To resolve this, Ripple would have to reduce its holdings or seek an alternative regulatory framework.
The Banking License Strategy
Analysts' thesis is that Ripple may seek a national bank charter. A banking license would place the company under a different regulatory regime, potentially under the OCC, which would nullify the 20% limit on the distribution of XRP.
Strategic Moves by Ripple:
Ripple has already shown institutional ambition by:
Requesting the creation of a Trust Bank.
Seeking a Master Account at the Federal Reserve (Fed).
Aiming for direct access to the Fedwire and FedNow systems.
Preparing the infrastructure for the issuance of RLUSD.
These actions signal an institutional-level positioning and integration with traditional financial infrastructure.
Potential Impact on Price
Analytical models predict that the successful acquisition of a banking charter and access to the Fed would represent a historically significant institutional validation event for XRP. Regulatory clarity and subsequent institutional adoption would remove long-standing uncertainties, being considered significant catalysts for the asset's value.
Conclusion: The strategy of focusing on regulatory structure and the banking license is seen as the most critical factor that will define the future of XRP in the market, surpassing short-term trading noise.
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