Key Insights:
- Ripple may need to lower its XRP holdings to comply with upcoming regulatory requirements.
- Handing XRP to the United States government remains one option discussed by analysts.
- A national bank charter could remove the need for Ripple to cut its XRP reserves.
- A banking license may boost market confidence and shape long term XRP price stability.
Ripple faces renewed attention as policymakers weigh fresh rules that target major crypto issuers. The company holds more than thirty percent of all XRP in circulation. Moreover, over thirty four billion tokens remain locked in escrow. This position has drawn continued interest from market observers who expect Ripple to make significant decisions once the bill progresses.
Brad Kimes from Digital Perspectives added weight to this debate after he shared new concerns. He argued that Ripple must reduce its holdings to meet the proposed threshold. His view suggests that Ripple would need to lower its share below twenty percent. He also noted that this challenge could create major adjustments inside the company. Additionally, Kimes outlined a rare scenario that sparked more community debate. He mentioned that Ripple could hand a portion of its XRP to the United States government. He said that this action could occur without any direct compensation. His comments aimed to show that Ripple might explore options outside normal selling channels. This proposal drew attention because it would help Ripple meet the limit without affecting the wider market.
Ripple Banking Path Could Alter XRP Market
You know the passage of The Clarity Act would require Ripple to reduce its holdings below the 20% threshold stated in the Bill.
Could Ripple become a "Gratis Vendor" to the Whitehouse and gift the amount necessary to achieve compliance? https://t.co/VX9JGYMint
— Digital Perspectives (@DigPerspectives) December 10, 2025
Ripple’s potential move toward a national bank charter could ease pressure on its XRP holdings and reshape market expectations, offering a new angle for traders watching regulatory changes.
The possibility of a banking license has attracted wider interest among analysts. They believe the step could strengthen market confidence in XRP. Additionally, some traders expect the development to influence price stability. This expectation follows growing attention around Ripple’s future position in the United States financial system. The debate continues as investors monitor signals from Washington and from Ripple’s leadership.
Conclusion
Market participants continue to watch Ripple’s next steps as policy talks progress. The prospect of a banking license has introduced a new angle that could ease supply pressure on XRP. Investors remain alert as they track how these developments might shape the market outlook.
