XRP News Today: Congress Bills Could Unlock 100% XRP Adoption in US

Three major crypto bills are currently moving through Congress, which could significantly alter the landscape for Ripple and its cryptocurrency, XRP, in the United States. These bills—the GENIUS Act, the Clarity Act, and the Anti-CBDC Surveillance State Act—address various aspects of the crypto ecosystem, including stablecoins, digital asset classification, and central bank digital currencies (CBDCs).

The GENIUS Act, or the Guiding Entrepreneurship through Nationwide Innovation in U.S. Stablecoins Act, establishes strict requirements for stablecoin issuers. Companies must maintain full 1:1 asset backing and undergo regular audits. Federal or state licensing becomes mandatory for all stablecoin operations. This legislation legitimizes stablecoins like RLUSD, USDC, and USDT, opening pathways for tokenized dollars to enter traditional banking systems. Payroll services and remittance companies could start using regulated stablecoins for daily operations. This framework directly benefits Ripple’s RLUSD stablecoin strategy, providing legal clarity for its tokenized dollar offering and creating new bridge opportunities for XRP in global payment systems.

The Clarity Act tackles the biggest question facing crypto investors today by clearly defining when digital assets qualify as securities versus commodities. It also establishes distinct roles for the SEC, CFTC, and the Treasury Department. XRP holders have waited years for this type of regulatory certainty. The bill protects digital assets in secondary markets from securities classification and limits SEC overreach by defining specific jurisdictional boundaries between regulatory agencies. Ripple’s legal team has fought for exactly this type of framework. Clear commodity classification could end years of regulatory uncertainty surrounding XRP, allowing banks and financial institutions to integrate XRP into their payment systems.

The Anti-CBDC Surveillance State Act prevents the Federal Reserve from issuing direct retail digital currency. Lawmakers cite privacy concerns and civil liberties issues as primary reasons for blocking federal CBDCs. This legislation preserves space for private blockchain protocols in payment infrastructure. A Federal Reserve retail CBDC could have eliminated demand for assets like XRP, as government-issued digital dollars would compete directly with private payment solutions. The bill ensures private protocols maintain their role in the future monetary system. Ripple benefits significantly from this CBDC restriction, allowing the company to continue building CBDC solutions with other countries without competing against U.S. government currency. XRP maintains its position as a bridge asset for global payments and settlements.

These three bills working together could unlock unprecedented opportunities for Ripple and XRP. U.S. banks and fintech companies would gain legal permission to use XRP for payments. The XRP Ledger could tokenize real-world assets with federal regulatory backing. Most importantly, Ripple transforms from a legal gray area into a compliant financial infrastructure. This shift opens doors for massive institutional adoption across traditional finance. While traders focus on short-term price movements, these bills represent the foundation for long-term crypto integration into mainstream finance.