{"id":15982,"date":"2025-07-07T22:47:13","date_gmt":"2025-07-07T15:47:13","guid":{"rendered":"https:\/\/www.nanovest.io/blog\/?p=15982"},"modified":"2025-07-07T22:47:13","modified_gmt":"2025-07-07T15:47:13","slug":"ripple-siap-jadi-bank-langkah-strategis-menuju-regulasi-federal","status":"publish","type":"post","link":"https:\/\/www.nanovest.io/blog\/berita\/ripple-siap-jadi-bank-langkah-strategis-menuju-regulasi-federal-15982\/","title":{"rendered":"Ripple Siap Jadi Bank? Langkah Strategis Menuju Regulasi Federal"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_86 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Daftar Isi <\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.nanovest.io/blog\/berita\/ripple-siap-jadi-bank-langkah-strategis-menuju-regulasi-federal-15982\/#Ripple_Gores_Sejarah_Ajukan_Lisensi_Bank_Nasional_AS_Siap_Tantang_Circle\" >Ripple Gores Sejarah: Ajukan Lisensi Bank Nasional AS, Siap Tantang Circle<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.nanovest.io/blog\/berita\/ripple-siap-jadi-bank-langkah-strategis-menuju-regulasi-federal-15982\/#Masuk_Jalur_Regulasi_Dari_Status_Outlaw_ke_Entitas_Resmi\" >Masuk Jalur Regulasi: Dari Status Outlaw ke Entitas Resmi<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.nanovest.io/blog\/berita\/ripple-siap-jadi-bank-langkah-strategis-menuju-regulasi-federal-15982\/#Respons_Pasar_XRP_Melejit_Optimisme_Meninggi\" >Respons Pasar: XRP Melejit, Optimisme Meninggi<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.nanovest.io/blog\/berita\/ripple-siap-jadi-bank-langkah-strategis-menuju-regulasi-federal-15982\/#Antara_Strategi_Jangka_Pendek_dan_Jangka_Menengah\" >Antara Strategi Jangka Pendek dan Jangka Menengah<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.nanovest.io/blog\/berita\/ripple-siap-jadi-bank-langkah-strategis-menuju-regulasi-federal-15982\/#Gambar_Besar_Perlombaan_Stablecoin_Masuk_Dunia_Bank_Siapa_Pemimpin\" >Gambar Besar: Perlombaan Stablecoin Masuk Dunia Bank Siapa Pemimpin?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.nanovest.io/blog\/berita\/ripple-siap-jadi-bank-langkah-strategis-menuju-regulasi-federal-15982\/#Tantangan_Peluang_Dynamics_di_Tahun_Mendatang\" >Tantangan &amp; Peluang: Dynamics di Tahun Mendatang<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Ripple_Gores_Sejarah_Ajukan_Lisensi_Bank_Nasional_AS_Siap_Tantang_Circle\"><\/span><b>Ripple Gores Sejarah: Ajukan Lisensi Bank Nasional AS, Siap Tantang Circle<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Ripple Labs bergerak cepat memasuki babak baru legitimasi di era stablecoin. Pada Rabu (2 Juli 2025), CEO Brad Garlinghouse memastikan melalui tautan X bahwa perusahaan telah mengajukan permohonan national bank charter kepada U.S.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Office of the Comptroller of the Currency (OCC) . Langkah ini menyusul gerak serupa yang dilakukan Circle Internet Group dua hari sebelumnya.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Jika disetujui, Ripple akan menjadi salah satu dari sedikit perusahaan kripto yang berada langsung di bawah pengawasan federal dan negara bagian melengkapi lisensi yang sudah dimiliki stablecoin <\/span><i><span style=\"font-weight: 400;\">Ripple USD (RLUSD)<\/span><\/i><span style=\"font-weight: 400;\"> dari New York Department of Financial Services.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Sebelumnya, hanya Anchorage Digital yang sudah memiliki charter serupa sejak 2021.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Masuk_Jalur_Regulasi_Dari_Status_Outlaw_ke_Entitas_Resmi\"><\/span><b>Masuk Jalur Regulasi: Dari Status Outlaw ke Entitas Resmi<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Pengajuan ini bukan sekadar formalitas. Ripple juga mengincar akses ke Federal Reserve Master Account melalui anak perusahaan yang diakuisisi pada Februari 2024, yaitu Standard Custody &amp; Trust Company.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Master account memberi kesempatan bagi Ripple menyimpan cadangan $\u202fRLUSD langsung di bank sentral AS. Garlinghouse menyebut akses ini akan \u201cfuture\u2011proof trust in RLUSD\u201d melalui lapisan keamanan tambahan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Langkah regulasi ini juga terjadi di tengah proses pengesahan GENIUS Act, undang\u2011undang stabilcoin yang mewajibkan cadangan berbasis aset berlikuiditas tinggi dan transparansi reguler.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Setelah disetujui oleh Senat, DPR Amerika Serikat siap mengesahkannya mulai musim panas ini.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Respons_Pasar_XRP_Melejit_Optimisme_Meninggi\"><\/span><b>Respons Pasar: XRP Melejit, Optimisme Meninggi<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Pengumuman ini menggerakkan harga XRP naik sekitar 3,2\u202f% dalam 24 jam terakhir, mencapai level tertinggi $2,27 sebelum terkoreksi sedikit. Pada saat informasi dijadikan publik, XRP sempat diperdagangkan sekitar $2,24\u2013$2,25.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Analis memperkirakan, jika momentum ini berlanjut dan kabar pengesahan lisensi datang, XRP bisa menguji target $2,65 bahkan lebih tinggi. Namun analis juga menyatakan ada sisi risiko, terutama jika peraturan Basel III menyulitkan Ripple karena kepemilikan besar atas XRP aset yang diperlakukan sebagai intangible, harus disertai cadangan modal nyata jika dijadikan modal bank .<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Antara_Strategi_Jangka_Pendek_dan_Jangka_Menengah\"><\/span><b>Antara Strategi Jangka Pendek dan Jangka Menengah<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Ripple tampaknya menjalankan strategi dua lapis<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Menggunakan akun Fed melalui Standard Custody sebagai pendekatan awal (~Tier 2 scrutiny) dan mengincar charter OCC jangka menengah yang akan memberi legitimasi penuh sebagai lembaga bank nasional.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">GENIUS Act mewajibkan pengaturan federal hanya untuk stabilcoin &gt;$10\u202fmiliar, tetapi Ripple tampaknya ingin berada di posisi regulasi meski volumenya saat ini jauh lebih kecil (~$440\u2013470 juta atau $250 juta, tergantung sumber).<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Gambar_Besar_Perlombaan_Stablecoin_Masuk_Dunia_Bank_Siapa_Pemimpin\"><\/span><b>Gambar Besar: Perlombaan Stablecoin Masuk Dunia Bank Siapa Pemimpin?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Circle, penerbit USDC ($61+ miliar) telah lebih dulu mengajukan charter untuk mendirikan First National Digital Currency Bank, N.A., setelah IPO yang memvaluasi perusahaannya dekat $18 miliar.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Jika disetujui, Circle bisa menawarkan layanan kustodi aset tokenized ke institusi, meskipun tak menyediakan deposito atau pinjaman tradisional. Fidelity Digital Assets juga dilaporkan mengincar charter OCC sebagai bagian dari dorongan masuknya trad-fi ke dunia kripto.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Sementara itu, Anchorage Digital masih satu-satunya perusahaan kripto yang telah mendapatkan lisensi federal penuh sejak 2021, meski sempat mendapat teguran regulator terkait anti-money laundering compliance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ripple dan Circle tampaknya ingin memimpin era baru: stablecoin yang tunduk pada supervisor keuangan resmi, bukan perusahaan yang dilegalkan kemudian.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Tantangan_Peluang_Dynamics_di_Tahun_Mendatang\"><\/span><b>Tantangan &amp; Peluang: Dynamics di Tahun Mendatang<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><b>Tantangan Utama<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Kompleksitas regulasi dan biaya kepatuhan tinggi seperti yang dialami Anchorage. Risiko hukum yang masih membayangi Ripple, seperti litigasi dengan SEC.Standar modal Basel III yang bisa menyulitkan perusahaan yang memiliki aset kripto besar sebagai modal operasional.<\/span><\/p>\n<p><b>Peluang Berkembang<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Jika charter dan master account disetujui, RLUSD bisa menjadi contoh stablecoin yang paling kredibel di pasar. Ripple bisa memperluas layanan custody dan settlement kepada institusi, meningkatkan kepercayaan investor. XRP, sebagai token native, bisa menikmati peningkatan permintaan institusional terutama jika masuk ETF atau dana terstruktur lainnya.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dengan mengajukan national bank charter dan akun Master Fed, Ripple mencetak langkah besar dalam mempertemukan dunia kripto dan bank tradisional. Bila sukses, ini bukan hanya lembar baru bagi RLUSD tapi juga potensi game\u2011changer untuk legitimasi XRP.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Di bawah naungan GENIUS Act dan tuntutan pasar utama, Ripple tengah membentuk fondasi untuk memasuki domain trad\u2011fi secara permanen.<\/span><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ripple Labs mengincar lisensi bank dan akses sistem Federal Reserve demi memperkuat kepercayaan pada RLUSD. Apakah ini awal dari era stablecoin yang diregulasi penuh? Baca selengkapnya di sini.<\/p>\n","protected":false},"author":1,"featured_media":15983,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[80],"tags":[74],"class_list":["post-15982","post","type-post","status-publish","format-standard","has-post-thumbnail","category-berita","tag-berita"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.0.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"Ripple Labs mengincar lisensi bank dan akses sistem Federal Reserve demi memperkuat kepercayaan pada RLUSD. Apakah ini awal dari era stablecoin yang diregulasi penuh? 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