币界网报道：Ripple is reportedly considering applying for a federal banking charter in the U.S., a move that could serve as a regulatory catalyst for broader institutional crypto adoption. The fintech firm, known for its XRP-based cross-border payments solutions, has been engaging with regulators to explore compliance pathways. Obtaining a charter would allow Ripple to operate as a licensed bank, potentially easing regulatory uncertainties for institutional clients. The development comes amid increasing institutional interest in crypto, with Ripple positioning itself as a bridge between traditional finance and blockchain. Industry analysts suggest this could accelerate mainstream financial players' entry into digital assets if successful.