XRP WEEKLY
Ripple Approved for U.S. Trust Bank Charter and XRP launches on Solana
The Consensus
🌉 Wrapped XRP is Live on Solana: Ripple launched wXRP on Solana with $100M TVL to enable high-speed DeFi access.
🚦 SEC Approves DTCC Tokenization Pilot: The SEC authorized a pilot program for tokenizing real-world assets on the blockchain.
🏛️ Ripple Gets Federal Bank Charter: Ripple received conditional approval to operate a national trust bank under federal supervision.
The Chart Watch
$XRP is currently contesting a critical support zone at $2.00. This level has historically been a high-volume trading area extending up toward $2.30. The immediate focus is on whether price can maintain footing at this $2.00 floor while attempting to breach the overhead downward-sloping resistance line.
Successfully holding $2.00 and breaking that trendline structure could present an opportunity for upside. In this scenario, the initial target sits around $2.21 to $2.22, coinciding with a key moving average. However, failure to hold support carries risk. A confirmed breakdown below $2.00 and the $1.95 level suggests a deeper correction could follow, potentially dragging price down to $1.83.
Poll
Leave your price prediction for next Sunday at 12pm GMT in the comments section below, closest price gets a shoutout next week.
The Ripple Effect
🌉 XRP Breaks Containment: $100M Launch on Solana
Ripple just executed a massive strategic pivot. In a coordinated move with Hex Trust and LayerZero, they launched wXRP (Wrapped XRP) on Solana. This setup relies on “institutional-grade” infrastructure where Hex Trust holds native XRP in regulated custody while LayerZero handles the cross-chain messaging. They didn’t start small, either; the team seeded the launch with $100 million in Total Value Locked (TVL) to ensure immediate market depth. Practically, this means you can now utilize XRP within Solana’s high-speed DeFi ecosystem for lending or trading without actually selling your core XRP position (Yahoo Finance).
The real story here is the admission that the future is multichain. RippleX executive J. Ayo Akinyele noted that the industry has evolved beyond single-chain maxis, signaling that Ripple now wants XRP to be a liquidity rail everywhere, not just on the XRP Ledger. By integrating with Solana, XRP gains direct access to 20 million Phantom wallet users and financial tools like prediction markets and perpetual futures. Unlike risky generic bridges, this pairs wXRP with Ripple’s regulated stablecoin (RLUSD), creating a compliant path for institutions to deploy capital across chains.
Sensei’s Insight: This effectively kills the “XRP vs. Solana” tribalism. It’s a smart play to export XRP’s liquidity rather than keeping it siloed. Watch that $100M TVL figure. If it stagnates, it’s marketing. If it grows, institutions are actually using the pipes.
🚦 SEC Clears DTCC to Tokenize $3.7Q Securities Market
The U.S. financial system just received a historic blockchain upgrade. On December 11, the SEC issued a “No-Action Letter” to the Depository Trust & Clearing Corporation (DTCC), the behemoth that settles roughly $3.7 quadrillion in transactions annually. This regulatory safe harbor authorizes the DTCC to launch a pilot program tokenizing real-world assets, including Russell 1000 stocks and U.S. Treasuries. Instead of the slow (Trade Date)+2 (working days) settlement cycle we are used to, this initiative aims to use blockchain to enable near-instant settlement and 24/7 market access. It is no longer a question of if Wall Street will adopt this technology, but when (Reuters).
This development signals a massive shift in regulatory posture, moving from enforcement to collaboration under the new SEC leadership. The pilot will operate through the DTCC’s ComposerX platform and is scheduled to roll out in the second half of 2026. For the Ripple ecosystem, the specific angle to watch is the settlement layer. While the approval documents do not explicitly name XRP or RLUSD, Ripple subsidiary Hidden Road is a DTCC member. As the market moves toward T+0 settlement, the demand for instant liquidity and institutional-grade stablecoins will rise. If the DTCC integrates stablecoins to settle these tokenized trades, it opens a direct door for assets like RLUSD to facilitate institutional volume.
Sensei’s Insight: Don’t buy the hype that this triggers an immediate overnight rally. This is a three-year institutional pilot, not a retail crypto launch. However, it permanently validates the thesis that all global value is moving on-chain. Watch closely for which specific blockchains the DTCC white-lists for this program in 2026.
🏛️ Ripple Approved for U.S. Trust Bank Charter
On December 12, 2025, the Office of the Comptroller of the Currency (OCC) announced conditional approval for Ripple to establish a national trust bank charter. This is a massive structural shift. Alongside Circle and Fidelity, Ripple can now operate nationwide under a single federal framework rather than a patchwork of state licenses. While the charter prohibits lending or accepting standard retail deposits, it explicitly authorizes custody services and stablecoin issuance. Most critically, this paves the way for direct access to Federal Reserve payment rails like FedNow, potentially removing the need for intermediary correspondent banks in cross-border settlements (Reuters).
This dual-layer oversight is the real story here. Ripple’s stablecoin, RLUSD, will now function under both NYDFS state regulation and federal OCC supervision, a standard CEO Brad Garlinghouse claims “no other issuers today can claim.” Practically, this creates a significant competitive moat against unregulated competitors. While traditional banking lobbies like the Bank Policy Institute argue this introduces systemic risk, the move signals the U.S. government is shifting from exclusion to managed integration. Watch the 18-month conditional window; Ripple must satisfy strict pre-opening requirements before operations, and direct Fed settlement, officially commence.
Sensei’s Insight: This validates Ripple’s long-game strategy of compliance over evasion. While the charter is “conditional,” the door to the Federal Reserve is finally unlocked. Regulation is no longer a headwind; it is becoming infrastructure.
Seen on X
Sensei’s Insight: This validates Ripple’s long-game strategy of compliance over evasion. While the charter is “conditional,” the door to the Federal Reserve is finally unlocked. Regulation is no longer a headwind; it is becoming infrastructure.
Sensei’s Insight: Armstrong (CEO of Coinbase) is effectively calling the global banking system “legacy code.” The bet is that superior software eventually wins. Watch for traditional fintech giants adopting stablecoins for backend settlement, hat is the moment this “upgrade” goes from theoretical to operational.
Debunked
Suggesting XRP will hit $1,000 is economically illiterate, as it demands a mathematically impossible $50 trillion market cap that is roughly half the entire global economy. Relying on edited Simpsons memes and expired predictions from 2022 is financial fan-fiction, not serious analysis.
The Horizon
Monday, December 15
SEC Crypto Privacy Roundtable (1:00 PM - 5:00 PM ET): The SEC’s Crypto Task Force hosts a public roundtable on financial surveillance and privacy-enhancing technologies. Discussion centers on whether zero-knowledge proofs and privacy protocols can coexist with anti-money laundering compliance—signaling a potential regulatory shift toward rule-based frameworks rather than enforcement-heavy approaches. This event sets tone for 2026 crypto oversight.
Wednesday, December 17
UK CPI & Retail Sales: November inflation and sales data offer a final perspective on economic health ahead of the BoE announcement.
Base Official Announcement: Coinbase’s Base (The Ethereum Layer-2 platform) is scheduled to make a disclosure that could drive specific crypto market movements.
Thursday, December 18
US CPI Release (8:30 AM ET): This rescheduled primary inflation gauge will significantly influence Federal Reserve policy expectations for 2026.
Dec 18 – Bank of England Interest Rate Decision (2:00 PM GMT): Economists anticipate a 25 basis point cut to 3.75%, following recent shifts in global monetary policy.
Dec 18/19 (11:00 PM ET) – Bank of Japan Interest Rate Decision: Markets expect a significant policy shift with a forecasted rate hike interest rates. Markets are watching fpr a carry trade unwind.
Friday, December 19
US PCE Price Index (8:30 AM ET): The Federal Reserve’s preferred inflation measure serves as a critical determinant for the central bank’s 2026 policy path.
US PMI (Preliminary): Flash December manufacturing and services data provide updated signals on US economic momentum heading into year-end.
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$1.90