XRP News Today: Three Major Crypto Bills Could Reshape Ripple and XRP Future

Three major crypto bills in the United States are garnering attention for their potential to reshape the future of Ripple and XRP. While traders often focus on short-term price movements, these legislative proposals could lay the groundwork for Ripple’s long-term role in the global financial system.

Analyst RippleXity shared detailed updates on these bills, highlighting the GENIUS Act, the Clarity Act, and the Anti-CBDC Surveillance State Act. Each bill addresses a critical aspect of Ripple’s objectives, and together, they could provide the regulatory clarity needed for XRP to grow.

The GENIUS Act, short for Guiding Entrepreneurship through Nationwide Innovation in U.S. Stablecoins, aims to require stablecoins like USDC, USDT, and Ripple’s RLUSD to be backed 1:1 by real assets. It also mandates regular audits and proper licensing at either the state or federal level. If passed, this legislation would legitimize stablecoins, paving the way for Ripple’s RLUSD to gain traction. This could open doors for Ripple to expand into payroll, banking, and international remittances, providing the regulatory clarity Ripple has been seeking. The bill could also boost XRP by giving it a clearer role as a bridge between regulated digital assets across borders.

The Clarity Act is considered the most important piece of legislation for Ripple. It defines what makes a crypto asset a security and what makes it a commodity. This is crucial for Ripple, as the ongoing legal fight with the SEC has revolved around whether XRP is a security. If the Clarity Act becomes law, it could limit the SEC’s control and give more power to the CFTC and Treasury, which have a different view of crypto assets. This could protect XRP from future lawsuits in secondary markets and give Ripple the go-ahead to scale XRP adoption in the US. RippleXity describes it as the “regulatory green light” Ripple needs to move forward without fear of enforcement.

The Anti-CBDC Surveillance State Act aims to prevent the Federal Reserve from launching a direct retail CBDC in the US due to privacy and civil liberty concerns. This bill is significant for Ripple because a Fed-issued CBDC could have sidelined private solutions like XRP. With this bill in place, there’s more room for Ripple to offer payment infrastructure without competing directly with the government. Ripple has already worked with other countries to help build central bank digital currencies, and this bill protects Ripple’s ability to continue that work without interference from a US-based CBDC.

Individually, each bill supports a different part of Ripple’s strategy. However, when considered together, their impact becomes much larger. If all three bills pass, they could make XRP legally usable by US banks and fintechs, unlocking serious institutional demand. They would also allow Ripple’s XRP Ledger (XRPL) to tokenize real-world assets with legal backing, potentially turning Ripple into core financial infrastructure rather than a project stuck in legal limbo. This isn’t just about court wins or short-term XRP price movements. Ripple has stated its goal to be the backbone of a new financial system, and these bills could provide the legal foundation to achieve that.

RippleXity believes that these bills represent the long-term play that many investors are missing. While some chase quick gains, this kind of regulation might be what really drives sustainable growth for Ripple and the XRP price. There is no clear timeline on when these bills could pass, but RippleXity encourages the crypto community to stay informed, as understanding these laws is key to understanding Ripple’s future. If these bills become law, XRP might finally have the legal and institutional support to go mainstream.