Crypto analyst and commentator Versan Aljarrah, known as Black Swan Capitalist, has drawn attention across the XRP (XRP-USD) community after declaring that “Ripple is the trust. #XRP is the bank.” In a post shared with his 87,000 followers on X, Aljarrah explained, “One builds the rails, the other holds the value. One establishes confidence, the other enables settlement, and solves the problem of value.”
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He added that most people still misunderstand Ripple’s mission, writing, “Most still think this is about payments. It’s about rebuilding the entire financial system.”
His comments came alongside an image of the Ripple National Trust Bank Interagency Charter Application, a document suggesting Ripple’s intention to deepen its role in regulated finance. The filing, which surfaced this week, quickly fueled speculation that Ripple could be positioning itself as both a financial infrastructure provider and a trust entity in the United States.
Ripple’s National Trust Application Fuels Speculation
The Ripple National Trust Bank application, first spotted by members of the XRP community, has sparked intense discussion about the company’s next steps after securing legal clarity in 2025. Industry watchers believe that this move may pave the way for Ripple to integrate digital asset custody, payments, and institutional lending under a federally chartered framework.
While Ripple has not yet issued an official statement on the application, the filing lists Ripple’s Senior Director of Regulatory Compliance, Brian Spahn, as a contact. This detail has further legitimized the document in the eyes of market observers.
Analysts suggest that this development could bridge the gap between traditional banking infrastructure and blockchain-based settlement systems. It also aligns closely with Aljarrah’s framing of Ripple and XRP as two parts of a unified value network.
XRP’s Broader Vision Is Evident
The post quickly spread through crypto circles, especially among XRP supporters who have long said Ripple’s technology goes far beyond payments. For them, XRP isn’t just a tool for fast transactions but a foundation for how value could move across different financial systems.
Supporters argue that Ripple’s tech already connects banks, payment providers, and institutions in real-time. The idea of a trust bank only strengthens this vision, showing how XRP could help link traditional finance with the blockchain economy in practical, regulated ways.
At the time of writing, XRP is sitting at $2.9791.
