XRP Gains Momentum as US Crypto Bills Favor Ripple

XRP stands to gain significant traction as three major crypto-related bills make their way through the U.S. House of Representatives, potentially reshaping Ripple’s standing within the financial system.

Crypto analyst and XRP community voice, RippleXity, recently took to X to break down how the proposed GENIUS Act, CLARITY Act, and Anti-CBDC Surveillance State bill could transform Ripple’s role in global finance and enhance XRP adoption. His analysis came just ahead of pivotal votes expected to take place on all three proposed legislations.

GENIUS Act Could Spark Stablecoin Innovation with Ripple at the Helm

The first bill, the GENIUS Act (Guiding and Establishing National Innovation for US Stablecoins), aims to establish comprehensive regulations for stablecoin issuance in the United States. This legislative effort—recently backed in a narrow vote—is seen as a major signal for broader stablecoin adoption. It includes key mandates like 1:1 fiat reserves, mandatory audits, and dual oversight at the state and federal level.

RippleXity emphasized that Ripple could thrive under this clarity, particularly via the potential growth of RLUSD, Ripple’s own stablecoin. With a clearly defined regulatory pathway, Ripple would be well-positioned to integrate regulated stablecoins for global liquidity flows. This regulatory certainty paves the way for implementing tokenized real-world assets (RWAs), which could drive institutional usage of the XRP Ledger, making XRP a top contender for digital asset infrastructure moving forward.

“This bill doesn’t just protect Ripple, it legitimizes its entire strategy,” RippleXity concluded.

CLARITY Act May Reshape XRP’s Regulatory Classification

The CLARITY Act emerges as arguably the most impactful of the three for Ripple’s future. It seeks to bring structure to U.S. crypto policy by defining asset classification and clarifying jurisdiction between the Securities and Exchange Commission (SEC) and the Commodity Futures Trading Commission (CFTC).

RippleXity asserts that this piece of legislation could significantly alter Ripple’s legal posture. In 2023, Judge Analisa Torres ruled that Ripple’s XRP sales to institutional buyers constituted unregistered securities offerings. The CLARITY Act could reverse this view by offering new definitions that separate tokens from the manner of their sale. More importantly, it would protect secondary XRP transactions from future SEC overreach, giving investors and market participants peace of mind.

Such reform would help Ripple scale its use of XRP without lingering regulatory threats, encouraging broader integration into American financial institutions.

Anti-CBDC Bill Strengthens XRP’s Global Use Case

The third proposed legislation, the Anti-CBDC Surveillance State Act, was recently included in the U.S. defense funding bill. This measure seeks to permanently restrict the Federal Reserve from issuing any central bank digital currency (CBDC), thereby preserving the role of private blockchain firms like Ripple in offering settlement systems.

This development is seen as highly favorable for Ripple, preventing future competition between a Fed-issued token and XRP in payment and settlement use cases. Essentially, it keeps the door open for Ripple to partner with international governments on their CBDC initiatives, ensuring XRP retains relevancy in cross-border financial ecosystems.

These protections align well with Ripple’s broader mission of becoming the foundational infrastructure for global digital finance. By barring a U.S. CBDC, the private sector, including Ripple, retains the competitive advantage in payments implementation both domestically and abroad.

Ripple’s Long-Term Strategy Gets a Boost

Summing up his analysis, RippleXity suggested that these three bills offer the legal clarity and institutional backing Ripple has long sought. From legitimizing stablecoins to redefining securities law and curbing federal competition, the proposed legislation tangibly enhances XRP’s utility and Ripple’s business model.

The legislation also directly supports Ripple’s efforts in institutional RWA tokenization and building a future-ready financial rail. Taken together, these bills could be the green light Ripple needs to move from courtroom battles to dominating the infrastructure of next-generation finance.

Related: XRP Price: $12M Max Pain for Bears

“Ripple’s end goal isn’t just to beat the SEC,” RippleXity said. “It’s to become the backbone of a new-era financial system—and these bills allow that future to materialize.”