Ripple Unfazed by CLARITY Act Uncertainty, Eyes OCC Charter

Ripple's XRP is facing uncertainty surrounding the CLARITY Act, but top researcher SMOKE argues that this does not have to slow down its institutional ambitions.

The act, which aims to establish a broader regulatory framework for digital assets, has been delayed in the U.S. Senate and may face further challenges.

SMOKE believes that Ripple has another path forward: its national trust bank charter from the Office of the Comptroller of the Currency (OCC), conditionally approved in December 2025.

This charter could provide a federally supervised banking structure, strengthening Ripple's position with financial institutions and regulated businesses.