3 XRP Facts of the Day: Ripple Approaches National Banks, Price of IDR22,270 Weakens?

Jakarta, Pintu News – The crypto market is again enlivened by big news from Ripple, which is said to be getting closer to becoming a national bank in the United States. Amidst this development, the price of XRP has come under pressure and dropped more than 2% in the last 24 hours to around US$1.31 or Rp22,270. For those of you who follow cryptocurrencies, this shows that positive fundamental news doesn’t always have an immediate impact on price increases in the short term.

1. Ripple is getting closer to becoming the US National Bank

Ripple is reportedly getting closer to becoming a national trust bank after getting conditional approval from the US banking regulator, the Office of the Comptroller of the Currency (OCC). The OCC’s final rule that came into effect on April 1 allows institutions like Ripple to carry out digital asset custodial activities legally within the banking system. This is an important step in the integration of crypto into the traditional financial system (TradFi).

With this status, Ripple could potentially manage client assets under federal supervision, increasing institutional confidence in cryptocurrencies. In addition, this move also opens up opportunities for stablecoins like RLUSD to operate within a clearer regulatory framework. However, it should be noted that Ripple is still awaiting full approval to officially become a national bank.

Also Read: 3 Facts on SIREN Crypto Outlook in April 2026!

2. New Regulations Open Crypto Access to Banking System

The OCC’s new rules allow national trust banks to conduct non-fiduciary activities such as custody and storage of digital assets. This regulation expands the definition of bank operations, from previously limited to fiduciary activities to be more flexible. This is considered a signal that the US government is starting to give more space to the cryptocurrency industry.

However, this policy has also drawn criticism from traditional financial institutions such as JPMorgan and Goldman Sachs. They believe that the regulation could create inequality between conventional banks and crypto companies. This debate shows that the adoption of cryptocurrencies in the global financial system still faces complex regulatory challenges.

3. XRP price drops despite positive sentiment

Despite strong fundamental news, the price of XRP has fallen more than 2.5% in the last 24 hours. Currently, XRP is hovering around US$1.31 (IDR22,270), with trading volume increasing by around 18%. This increase in volume indicates market interest, but is also accompanied by significant selling pressure.

In addition, XRP futures open interest data also decreased by around 4.39%, signaling reduced open positions in the derivatives market. This usually reflects investors’ cautious attitude towards short-term movements. In the crypto world, the “buy the rumor, sell the news” phenomenon often occurs, where prices actually drop when big news is released.

4. What Does It Mean for Crypto Investors?

These developments provide important lessons for you as a cryptocurrency investor, whether you’re new or experienced. Big news like regulation or institutional adoption is important, but it doesn’t always have an instant impact on prices. Technical factors, market sentiment, and global conditions still play a big role in determining the price direction of crypto assets.

In the long-term context, Ripple’s move towards a national bank could strengthen the legitimacy of the crypto industry as a whole. In the short term, however, volatility remains high and requires a disciplined strategy. Therefore, it is important to remain neutral, manage your risk, and not rely on a single news sentiment to make investment decisions.

Also Read: These 3 Facts Could Trigger a New Bull Run in April 2026!

Follow us on Google News to stay up to date with the latest in crypto and blockchain technology. Check Bitcoin price, usdt to idr and tokenized nvidia stock price through Pintu Market.

As a safe crypto app, Pintu provides a crypto trading experience to access crypto gold investment easily and conveniently. You can also see today ‘ s gold jewelry price and today ‘ s gold bullion price to support your investment activities and portfolio diversification as well as learn crypto through Pintu Academy.

*Disclaimer

This content aims to enrich readers’ information. Pintu collects this information from various relevant sources and is not influenced by outside parties. Note that an asset’s past performance does not determine its projected future performance. Crypto trading activities are subject to high risk and volatility, always do your own research and use cold hard cash before investing. All activities of buying and selling Bitcoin and other crypto asset investments are the responsibility of the reader.

Reference

• CoinGape. XRP News: Ripple Nears Becoming National Bank as OCC Final Rule Goes Live April 1. Accessed April 1, 2026