Ripple &#273;&atilde; nh&#7853;n &#273;&#432;&#7907;c s&#7921; ch&#7845;p thu&#7853;n c&oacute; &#273;i&#7873;u ki&#7879;n cho gi&#7845;y ph&eacute;p ng&acirc;n h&agrave;ng li&ecirc;n bang, &#273;i&#7873;u n&agrave;y c&oacute; th&#7875; cho ph&eacute;p c&ocirc;ng ty ho&#7841;t &#273;&#7897;ng d&#432;&#7899;i c&aacute;c quy &#273;&#7883;nh ng&acirc;n h&agrave;ng t&#7841;i M&#7929;. N&#7871;u &#273;&#432;&#7907;c c&#7845;p ph&eacute;p ch&iacute;nh th&#7913;c, Ripple s&#7869; c&oacute; th&#7875; v&#7853;n h&agrave;nh nh&#432; m&#7897;t t&#7893; ch&#7913;c t&agrave;i ch&iacute;nh ch&#7883;u s&#7921; qu&#7843;n l&yacute; tr&#7921;c ti&#7871;p c&#7911;a lu&#7853;t ng&acirc;n h&agrave;ng li&ecirc;n bang M&#7929;.
&#272;&#7897;ng th&aacute;i n&agrave;y gi&uacute;p Ripple c&#7911;ng c&#7889; v&#7883; tr&iacute; trong l&#297;nh v&#7921;c thanh to&aacute;n xuy&ecirc;n bi&ecirc;n gi&#7899;i v&agrave; h&#7841; t&#7847;ng thanh to&aacute;n t&agrave;i s&#7843;n s&#7889; t&#7841;i nh&#7919;ng th&#7883; tr&#432;&#7901;ng t&agrave;i ch&iacute;nh &#273;&#432;&#7907;c qu&#7843;n l&yacute; ch&#7863;t ch&#7869;. Tuy nhi&ecirc;n, s&#7921; ki&#7879;n n&agrave;y c&oacute; th&#7875; s&#7869; kh&ocirc;ng g&acirc;y t&aacute;c &#273;&#7897;ng ngay l&#7853;p t&#7913;c ho&#7863;c &#273;&aacute;ng k&#7875; &#273;&#7871;n gi&aacute; c&#7911;a XRP tr&ecirc;n th&#7883; tr&#432;&#7901;ng.
<h2 class="bic-gutenberg-heading wp-heading wp-block-heading" id="h-occ-opens-federal-charter-path">OCC m&#7903; &#273;&#432;&#7901;ng cho gi&#7845;y ph&eacute;p li&ecirc;n bang</h2>

V&#259;n ph&ograve;ng Ki&#7875;m so&aacute;t Ti&#7873;n t&#7879; (OCC) &#273;&atilde; m&#7903; ra c&#417; h&#7897;i cho Ripple th&agrave;nh l&#7853;p Ripple National Trust Bank.
&#272;&#7875; &#273;&#432;&#7907;c ph&ecirc; duy&#7879;t ho&agrave;n to&agrave;n, Ripple v&#7851;n c&#7847;n &#273;&aacute;p &#7913;ng c&aacute;c y&ecirc;u c&#7847;u c&#7909; th&#7875; v&#7873; quy &#273;&#7883;nh v&agrave; v&#7853;n h&agrave;nh c&#7911;a OCC tr&#432;&#7899;c khi gi&#7845;y ph&eacute;p &#273;&#432;&#7907;c c&#7845;p ch&iacute;nh th&#7913;c.
N&#7871;u &#273;&#432;&#7907;c duy&#7879;t, Ripple c&#361;ng s&#7869; kh&ocirc;ng ho&#7841;t &#273;&#7897;ng gi&#7889;ng nh&#432; c&aacute;c ng&acirc;n h&agrave;ng truy&#7873;n th&#7889;ng nh&#432; Bank of America hay JPMorgan Chase. C&aacute;c ng&acirc;n h&agrave;ng t&iacute;n th&aacute;c theo lu&#7853;t kh&ocirc;ng &#273;&#432;&#7907;c ph&eacute;p nh&#7853;n g&#7917;i ti&#7873;n t&#7915; c&ocirc;ng ch&uacute;ng ho&#7863;c cung c&#7845;p c&aacute;c s&#7843;n ph&#7849;m vay truy&#7873;n th&#7889;ng, v&iacute; d&#7909; nh&#432; vay ti&ecirc;u d&ugrave;ng.
Thay v&agrave;o &#273;&oacute;, Ripple National Trust Bank s&#7869; ch&#7911; y&#7871;u t&#7853;p trung v&agrave;o d&#7883;ch v&#7909; l&#432;u k&yacute;, thanh to&aacute;n v&agrave; qu&#7843;n l&yacute; t&agrave;i s&#7843;n s&#7889;.
M&#7863;c d&ugrave; c&ograve;n m&#7897;t s&#7889; h&#7841;n ch&#7871;, vi&#7879;c nh&#7853;n &#273;&#432;&#7907;c ph&ecirc; duy&#7879;t &#273;&aacute;nh d&#7845;u b&#432;&#7899;c ti&#7871;n quan tr&#7885;ng v&#7873; m&#7863;t ph&aacute;p l&yacute; trong chi&#7871;n l&#432;&#7907;c ho&#7841;t &#273;&#7897;ng l&acirc;u d&agrave;i c&#7911;a c&ocirc;ng ty. Kh&aacute;c v&#7899;i c&aacute;c gi&#7845;y ph&eacute;p chuy&#7875;n ti&#7873;n c&#7845;p ti&#7875;u bang v&#7889;n ch&#7881; cho ph&eacute;p ho&#7841;t &#273;&#7897;ng &#7903; m&#7897;t s&#7889; khu v&#7921;c &#273;&#7883;a l&yacute; gi&#7899;i h&#7841;n, gi&#7845;y ph&eacute;p li&ecirc;n bang gi&uacute;p Ripple c&oacute; th&#7875; m&#7903; r&#7897;ng ho&#7841;t &#273;&#7897;ng tr&ecirc;n ph&#7841;m vi to&agrave;n n&#432;&#7899;c M&#7929;.
Ph&ecirc; duy&#7879;t n&agrave;y c&oacute; th&#7875; t&aacute;c &#273;&#7897;ng &#273;&#7871;n t&acirc;m l&yacute; th&#7883; tr&#432;&#7901;ng chung, nh&#432;ng ch&#7911; y&#7871;u nh&#7857;m h&#7895; tr&#7907; ph&aacute;t tri&#7875;n h&#7841; t&#7847;ng v&agrave; m&#7903; r&#7897;ng s&#7921; tham gia c&#7911;a c&aacute;c t&#7893; ch&#7913;c l&#7899;n v&agrave;o l&#297;nh v&#7921;c n&agrave;y.
CEO Brad Garlinghouse c&#361;ng &#273;&atilde; l&ecirc;n ti&#7871;ng v&#7873; quy&#7871;t &#273;&#7883;nh n&agrave;y, &#273;&#7891;ng th&#7901;i nh&#7855;c l&#7841;i nh&#7919;ng ch&#7881; tr&iacute;ch l&acirc;u nay t&#7915; c&aacute;c nh&oacute;m v&#7853;n &#273;&#7897;ng ng&agrave;nh ng&acirc;n h&agrave;ng &#273;&#7889;i v&#7899;i nh&#7919;ng c&ocirc;ng ty ti&#7873;n m&atilde; h&oacute;a.

Ripple trở thành ngân hàng là tốt hay xấu cho XRP?